Non-owner car insurance in Nebraska: Which company has the cheapest rates?

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Non-owner car insurance in Nebraska costs $241 per year, which is $139 lower than the national average, according to Insure.com’s 2023 rate analysis.

Many companies offer non-owner policies in Nebraska, such as USAA, Progressive 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.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Nebraska.

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

Non-owner insurance is usually less expensive than typical auto insurance—insurers consider non-owner policyholders as less risky because they have minimal access to a vehicle.

In the United States, it costs an average of $1,682 a year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. This applies to drivers with a clean driving record plus a good credit score. In Nebraska, it’s $1,976.

On the other hand, non-owner auto insurance is $241 in Nebraska and $380 on average in the U.S. by comparison.

There are different variables to consider when comparing rates, such as which insurer you buy from, your age and driving history and also where in Nebraska you live.

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

With an average annual cost of $57, Auto-Owners’ non-owner insurance policy is the most affordable in Nebraska. 

Meanwhile, Farmers Insurance charges the highest rate for non-owner insurance in the state of $498 in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Nebraska’s most affordable non-owner insurance policies below.

Cheapest non-owner insurance rates in Nebraska

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 plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk by insurance companies and are more likely to cause an accident. Therefore, older and more experienced drivers usually have less expensive rates. On average, non-owner insurance costs $1,312 a year for a 16-year-old and $241 for a 45-year-old in Nebraska.

Average non-owner car insurance rates in Nebraska by age and gender

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

From ZIP code to ZIP code, rates can be very different. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism within the area.

Below are charts displaying 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 car insurance rates

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

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

The biggest cities in Nebraska sometimes have significantly different non-owner insurance rates. The non-owner insurance cost in Omaha is the highest at $268, but Kearney has the cheapest prices among the state’s largest cities at $177.

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

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

From state to state, the rates for non-owner car insurance can also vary. Nebraska’s average non-owner insurance rate is $241; lower than the $380 national average. At $170 per year, South Dakota is the least expensive, followed by Idaho’s average of $190 per year. Iowa is the third least expensive state with an average rate of $193 annually.

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

How to get non-owner auto insurance in Nebraska

To get a non-owner policy, you need your driver’s license number and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car 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.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Here are some insurance companies with phone 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.