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 essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
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.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Nebraska
Non-owner car insurance costs $16 a month or $186 per year in Nebraska for coverage limits of 25/50/25.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Nebraska
Auto-Owners offers the cheapest non-owner car insurance rates in Nebraska at an average cost of $5 per month, based on CarInsurance.com’s analysis. Other than Auto-Owners, Geico and State Farm also have cheap 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.
Below is a table showing the cheapest companies for non-owner car insurance in Nebraska.
| 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, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers 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 is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Nebraska generally pay higher insurance premiums, including non-owner car insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| 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 Nebraska driver aged 40 living in ZIP code 68714 pays $153 annually or $13 monthly for non-owner car insurance, while a 40-year-old in ZIP code 68778 with a clean driving record pays $153 per year or $13 per month.
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.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy 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.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
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.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
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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