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

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Non-owner auto insurance in Nebraska costs $187 per year, which is $166 lower than the U.S. average, according to an Insure.com 2023 rate analysis.

In Nebraska, non-owner policies are available from companies such as USAA, Progressive and State Farm.

“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.

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

Insurers consider non-owner policyholders as less of a risk due to their limited access to a car, and therefore, it’s usually cheaper to buy a non-owner insurance policy than full coverage auto insurance.

On average in the United States, it costs a driver with a clean driving record and good credit score $1,682 per year 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. In Nebraska, full coverage car insurance costs $1,976.

Alternatively, non-owner car insurance costs $353 a year on average in the U.S. and $187 in Nebraska.

But various factors affect individual rates, such as where in Nebraska you live, your age and driving history and other factors.

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

In Nebraska, Auto-Owners’ non-owner insurance policy is the cheapest at $57 a year.

At $498 a year, Farmers charges the highest rate for non-owner insurance in the state.

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

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?

Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to be in an accident. Their rates are generally lower than those of younger drivers. On average, Nebraska non-owner insurance costs $189 a year for a 45-year-old, while it’s $930 for a 16-year-old driver.

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

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

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

Rates differ from ZIP code to ZIP code. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.

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 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 most populous cities in Nebraska have varying non-owner insurance rates. The cost of non-owner insurance in Omaha is the most expensive at $268; Columbus has the cheapest rates of the state’s most populous cities at $152.

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

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Nebraska is $187 a year, which is lower than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year.

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

How to get non-owner car insurance in Nebraska

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

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

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Here are some 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.

Explore other insurance options in Nebraska

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Leslie Kasperowicz

Managing Editor

 

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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.