Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Nebraska driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $16 a month in Nebraska for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $186 per year—lower than liability-only coverage of $373 for Nebraska drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Nebraska at an average cost of $5 per month.
Do I need non-owner car insurance in Nebraska?
Non-owner car insurance in Nebraska is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Nebraska
Nebraska drivers can expect to pay an average of $16 per month or $186 annually for non-owner car insurance with a coverage limit of 25/50/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Nebraska
According to CarInsurance.com’s analysis, Auto-Owners offers the lowest non-owner car insurance rates in Nebraska, with an average cost of $5 per month. Geico and State Farm also provide affordable non-owner insurance premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
See the cheapest companies for non-owner car insurance in Nebraska in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $63 | $5 |
| Geico | $83 | $7 |
| State Farm | $170 | $14 |
| Iowa Farm Bureau | $175 | $15 |
| Progressive | $228 | $19 |
| Shelter Insurance | $320 | $27 |
| Nationwide | $329 | $27 |
| USAA* | $124 | $10 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Nebraska, by age and gender
Non-owner car insurance costs in Nebraska can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $644 a month, while adding a 16-year-old female might increase your monthly cost by $574 .
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Nebraska.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $519 | $465 |
| Young Adults (20-24) | $270 | $253 |
| Adults (25-60) | $185 | $189 |
| Seniors (65-75) | $190 | $187 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Nebraska cities
Non-owner auto insurance cost in Kearney is $15 a month or $178 a year, whereas drivers in Norfolk pay $15 a month for the same coverage.
Car insurance premiums in Nebraska vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
The cost of living also determines the premiums. In areas with higher costs of living in Nebraska, you can expect to pay more for non-owner insurance.
See the table below for the cost of non-owner car insurance in your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Kearney | $178 | $15 |
| Norfolk | $179 | $15 |
| Hastings | $184 | $15 |
| Columbus | $188 | $16 |
| Grand Island | $190 | $16 |
| Fremont | $208 | $17 |
| Lincoln | $237 | $20 |
| Papillion | $252 | $21 |
| Bellevue | $259 | $22 |
| Omaha | $283 | $24 |
Affordable non-owner insurance in Nebraska, by ZIP code
A 40-year-old Nebraska driver living in ZIP 68714 pays $153 a year or $13 per month for non-owner car insurance, whereas insurance rates in the ZIP code 68778 is $153 a year or $13 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Nebraska?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Nebraska
Non-owner car insurance is a good option in Nebraska to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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