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Non-owner auto insurance in Nebraska costs $186 per year, which is $139 less than the rest of the country on average, according to a rate analysis by Insure.com.

In Nebraska, non-owner policies are available from companies such as Auto-Owners, Geico and State Farm.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Nebraska.

Key Takeaways

  • The average non-owner car insurance cost in Nebraska is $16 per month for a 40-year-old male with a good driving record.
  • Car insurance rates vary by age. For instance, a 16-year-old male in Nebraska pays an average of $609 for non-owner car insurance, whereas a 25-year-old male pays $213 a year for the same coverage.
  • Auto-Owners offers most affordable rates for non-owner car insurance in Nebraska at $63.

How much does non-owner auto insurance cost in Nebraska?

Non-owner insurance is usually less expensive than full coverage auto insurance-insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,895 annually for a 100/300/100 full coverage insurance policy-$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. Full coverage car insurance is $1,902 in Nebraska.

Alternatively, non-owner car insurance is $325 a year on average in the United States and $186 in Nebraska.

But actual rates are based on your age and driving history and also where in state you live.

Which insurer offers the cheapest non-owner insurance rates in Nebraska?

In Nebraska, Auto-Owners’s non-owner insurance policy is the cheapest at $63 a year.

At $329 a year, Nationwide charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Nebraska

CompanyAverage annual premium
Auto-Owners$63
Geico$83
State Farm$170
Iowa Farm Bureau$175
Progressive$228
Shelter Insurance$320
Nationwide$329
USAA$124

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Nebraska by age?

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Nebraska, a 45-year-old will pay an average of $183 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $609.

Average non-owner car insurance rates in Nebraska by age

AgeRates for male driversRates for female drivers
16$644$574
17$555$498
18$487$438
19$392$350
20$350$325
21$270$249
22$255$241
23$242$230
24$233$222
25$212$214
30$197$203
35$189$194
40$184$189
45$181$186
50$175$178
55$172$173
60$173$174
65$177$177
70$190$188
75$204$197

Which Nebraska cities have the cheapest non-owner auto insurance?

Rates differ from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

The tables below display the cities in Nebraska that have the least and most expensive non-owner auto insurance rates.

The 20 Nebraska cities with the lowest non-owner auto insurance rates

CityNon-owner car insurance rates
Bassett$153
Springview$153
Taylor$154
Burwell$154
Parks$154
Callaway$155
Sargent$155
Thedford$155
Broken Bow$155
Imperial$155
Merna$155
Enders$155
Ord$155
Ainsworth$156
Arnold$157
Bartlett$157
Benkelman$157
Westerville$157
Ericson$157
Long Pine$157

The 20 Nebraska cities with the highest non-owner car insurance rates

CityNon-owner car insurance rates
Omaha$283
Millard$262
Bellevue$259
St Columbans$258
Offutt AFB$258
McArdle$254
Papillion$252
Chicago$251
La Vista$251
Boys Town$250
Platte Valley$246
Bennington$246
Melia-Forest City$245
Waterloo$245
Springfield$240
Lincoln$237
South Sioux City$232
Union$229
Waverly$220
Plattsmouth$216

How much is non-owner car insurance in Nebraska’s 10 biggest cities?

The most populous cities in Nebraska have varying non-owner insurance rates. The cost of non-owner insurance in Omaha is the most expensive at $283; Kearney has the cheapest rates of the largest cities in the state at $178.

Non-owner auto rates in Nebraska’s 10 largest cities

10 largest citiesNon-owner car insurance rates
Omaha$283
Bellevue$259
Papillion$252
Lincoln$237
Fremont$208
Grand Island$190
Columbus$188
Hastings$184
Norfolk$179
Kearney$178

How non-owner insurance rates in Nebraska compare to rates in other states

Non-owner auto insurance rates also differ from state to state. Nebraska’s average non-owner insurance rate is $186 a year, lower than the $325 national average.

Non-owner car insurance rates in the 10 most populous states

StateAverage annual premium
California$299
Florida$545
Georgia$312
Illinois$279
Michigan$513
New York$421
North Carolina$470
Ohio$214
Pennsylvania$263
Texas$447
National Average$325

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner auto insurance in Nebraska

Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

  1. Contact an auto insurance agent about the coverage
  2. Supply your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Here are a few car insurance companies with their contact numbers to call for a non-owner insurance quote.

  • State Farm: 800-782-8332
  • Geico: 800-207-7847
  • Progressive: 888-671-4405
  • Allstate: 800-726-6033
  • USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

expert

What our expert says

Q: Does a non-owner policy cover damage to your car?

expert-image
Golnoush GoharzadPersonal injury attorney, California.
These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Frequently asked questions

Who needs non-owner car insurance in Nebraska?

Non-owner car insurance is ideal for individuals who frequently rent cars or borrow others’ vehicles but do not own a car themselves. It’s also necessary for those who need to maintain continuous insurance coverage to avoid lapses.

Is non-owner car insurance available to everyone?

Non-owner car insurance is generally available if you do not own a vehicle, do not have regular access to a vehicle, and have a valid driver’s license. It is not available if you can be covered as a driver under another household member’s policy.

Can I get non-owner car insurance if I live with someone who owns a car?

If you live with someone who owns a car, you are generally expected to be listed on their car insurance policy. However, if you are not listed, non-owner car insurance could provide you with liability coverage when driving other vehicles.

What is the difference between non-owner and standard car insurance?

Non-owner car insurance only covers liability for bodily injury and property damage inflicted on others, not damages to the vehicle you are driving or injuries to yourself, which are typically covered under standard auto insurance policies.

How much is car insurance in other states

Alabama$380/Year
Alaska$260/Year
Arizona$396/Year
Arkansas$266/Year
California$299/Year
Colorado$282/Year
Connecticut$395/Year
Delaware$344/Year
Florida$545/Year
Georgia$312/Year
Hawaii$395/Year
Idaho$187/Year
Illinois$279/Year
Indiana$259/Year
Iowa$153/Year
Kansas$274/Year
Kentucky$375/Year
Louisiana$330/Year
Maine$238/Year
Maryland$438/Year
Massachusetts$445/Year
Michigan$513/Year
Minnesota$302/Year
Mississippi$321/Year
Missouri$358/Year
Montana$299/Year
Nevada$346/Year
New Hampshire$318/Year
New Jersey$459/Year
New Mexico$293/Year
New York$421/Year
North Dakota$209/Year
Ohio$214/Year
Oklahoma$242/Year
Oregon$441/Year
Pennsylvania$263/Year
Rhode Island$518/Year
South Dakota$170/Year
Tennessee$363/Year
Texas$447/Year
Utah$444/Year
Vermont$296/Year
Virginia$290/Year
Washington$349/Year
West Virginia$367/Year
Wisconsin$230/Year
Wyoming$215/Year
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Leslie Kasperowicz
Managing Editor

 
  

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.

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