Temporary Car Insurance in Nebraska: The Cheapest Options and What You Need to Know
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If you own a car, you might be able to create temporary auto insurance by buying a policy and canceling it within six months. You could get a full refund for the unused term if you cancel your policy early. Three-month car insurance coverage in Nebraska costs an average of $231.
Rental vehicle insurance is the best option for travelers visiting Nebraska or drivers who do not own a car but need to drive.
MoneyGeek examined several additional scenarios that can require temporary vehicle insurance, such as getting your license reinstated with non-owner insurance or working for a ridesharing company.
Can You Get Temporary Car Insurance in Nebraska
In Nebraska and other states, temporary auto insurance can mean different things. Car owners have the option of purchasing a full coverage insurance policy and canceling it early, while those without a vehicle could buy non-owner auto insurance or rental car insurance.
There isn’t one sole way to obtain temporary vehicle insurance in Nebraska, so MoneyGeek examined all the options available to get a short-term car insurance policy.
- Need a full car insurance policy temporarily? Buy and cancel
- Want to add or remove a driver? Alter your policy
- Renting a car? Buy from the rental company or use your own policy
- Don’t own a car? Look into non-owner Insurance
- Working for a rideshare company? Buy rideshare insurance
Buying a Six-Month Nebraska Insurance Policy and Canceling It Early
Most car insurance companies in Nebraska and other states will not provide coverage for less than six months. In Nebraska, a six-month auto insurance policy costs $462 on average. However, you might be able to obtain coverage for a shorter period of time if you cancel your policy early. Most insurance providers will refund your premiums for the unused coverage months.
A driver in Nebraska might pay around $231 for 90 days of insurance. This is half the price of a six-month policy.
MoneyGeek advises against having lapses in your auto insurance if you use this strategy because this will result in additional costs later on.
Cheap Temporary Car Insurance in Nebraska
MoneyGeek calculated the cost of auto insurance for a six-month policy, three-month policy and one-month policy from Nebraska car insurance providers.
On average, the cheapest auto insurance companies in Nebraska on average for a 90-day coverage are:
- GEICO: $175 per 90 days
- Farmers Mutual of Nebraska: $189 per 90 days
MoneyGeek’s calculations exclude cancellation fees. Most auto insurance providers do not charge cancellation fees and typically give refunds for the unused coverage months.
Annual Cost of Car Insurance in Nebraska by Policy Length
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- CompanyOne MonthThree MonthSix Month
- $56$168$336
- $58$175$350
- Farmers Mutual of Nebraska$63$189$378
- $64$193$387
- Allied$68$203$406
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Altering Nebraska Car Insurance Temporarily Depending on Your Needs
If you already have a Nebraska car insurance policy and wish to temporarily add or remove coverage, your best option might be to alter your current auto insurance policy. The most common questions drivers have about short-term auto insurance involve if a family’s teen goes to college, if a vehicle needs to be stored or if someone is borrowing their car.
When You Should Alter Your Policy Temporarily
If they attend school elsewhere in Nebraska, you can either temporarily remove your child from your policy or request a discount from your provider.
If you plan to store your car, you can save money by canceling everything except your comprehensive insurance. Military personnel can also take advantage of USAA's car storage discounts.
If you allow someone else to drive your car, you should only add them to your insurance policy if they use your car regularly.
Cheap Temporary Car Insurance for Students in Nebraska
If your child lives with you in Nebraska, you will have to add them to your insurance policy. This can be expensive. MoneyGeek found that the average annual cost of adding an 18-year-old to a policy in Nebraska is $2,120 per year.
You can save money on your premiums by removing a young student from your policy temporarily if they live more than 100 miles away, taking advantage of distant student discounts or keeping them on your insurance plan.
MoneyGeek found that adding a student to an auto insurance policy in Nebraska for the two months of summer costs only $353 on average, which is less than the approximately $2,120 annual cost.
GEICO offers the biggest savings in Nebraska for temporarily removing your young student from your car insurance policy at an average of $2,176 a year.
Annual Cost of Adding an 18-Year-Old to Car Insurance in Nebraska
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- CompanyAdding 18-year-old for two out of 12 monthsAdding an 18-year-old for the full yearDifference
- $1,942$324-$1,619
- $2,007$334-$1,672
- $2,030$338-$1,692
- Allied$2,166$361-$1,805
- $2,611$435-$2,176
You will not qualify for a distant student discount if your child attends a school that is less than 100 miles away from where you live. If you want to save money, you will have to shop around to get the best deals. MoneyGeek compared the cheapest insurance companies for teens in Nebraska to help you save.
What to Do About Car Insurance if You’re Storing Your Car in Nebraska
If you are temporarily storing your vehicle in Nebraska and want to save money, you can switch to comprehensive-only auto insurance coverage or request a car storage discount.
When storing your car, switching to comprehensive-only coverage removes your liability coverage and saves you money. On average, comprehensive and collision insurance with a $1,000 deductible costs an average of $324 per year in Nebraska compared to an average of $733 per year for a policy with liability insurance.
If you’re a military member on active duty, USAA is a good option. It provides a discount for vehicle storage and has one of the cheapest rates in the state before the discount at an average of $672 per year.
What to Do If You Let Someone Else Drive Your Car
If you let someone else in your household drive your car on a regular basis, they must be covered under the same auto insurance policy as you. If you let someone from outside your household drive your car, they will be protected by your policy automatically without you having to adjust it.
Buying Rental Car Insurance in Nebraska
If you’re renting a car in Nebraska, you can get insurance from the rental company. Almost all rental companies offer basic liability insurance and the option to add collision damage waivers and supplementary liability and personal accident insurance. The cost of rental car insurance in Nebraska ranges from $47 to $57 a day on average, but you can mix and match your coverages to save money.
Finding Cheap Rental Car Insurance in Nebraska
MoneyGeek collected rental vehicle insurance data in Nebraska from Omaha. On average, the cost of rental car insurance ranges from $47 to $57 per day depending on your insurance provider. On average, Enterprise charges $47 per day, Avis charges $57 per day and Hertz charges $48 per day
If you already have auto insurance, you may already be covered by your own liability, collision and medical payments coverages. Additionally, many credit card companies also provide collision damage waiver coverage for rental cars. If you have these coverages, you can save money.
Cost per Day of Rental Car Insurance in Nebraska
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- Rental CompanyTotal Insurance CostSupplemental Liability CostCollision Damage Waiver CostPersonal Accident Insurance Cost
- Enterprise$47$13$28$6
- Avis$57$16$31$10
- Hertz$48$13$29$6
Buying Non-Owner Car Insurance in Nebraska
Drivers who do not own a car can purchase non-owner auto insurance if they need proof of insurance coverage when filing an SR-22 to reinstate their license. Non-owner car insurance in Nebraska can cost you an average of $328 each year.
If you don't own a car and need to file an SR-22 to get your license reinstated, non-owner insurance is the cheapest option.
How to Get Temporary Rideshare Car Insurance for Rideshare in Nebraska
Rideshare drivers in Nebraska are covered by rideshare insurance when they accept a fare or drive passengers. However, there is a temporary coverage gap if the driver has not yet accepted a fare. Rideshare insurance can help in this situation. However, this type of policy is not available in all states.
MoneyGeek compared rideshare coverages offered by different insurance companies to help you determine the best rideshare insurance in Nebraska for you.
Frequently Asked Questions About Temporary Car Insurance in Nebraska
Temporary auto insurance in Nebraska can be an excellent choice for a variety of reasons. These frequently asked questions can help you learn more about temporary car insurance in Nebraska.
You can create temporary auto insurance in Nebraska, but it is important to keep in mind most insurers will not provide coverage for less than six months.
Yes. If you cancel your vehicle insurance within six months, you can typically get a refund for the unused coverage months. However, there could be cancellation charges.
Methodology
In Nebraska, car insurance and non-owner car insurance quotes were obtained in partnership with Quadrant Information Services. The policies discussed were for a 40-year-old male driver with a clean driving record and full coverage, as described on our methodology page. The student's cost represents the average cost of adding an 18-year-old driver to an insurance policy.
The costs of one-month and three-month policies were calculated by MoneyGeek on a prorated basis and based on the assumption that the insurance company would issue a complete refund. Additionally, MoneyGeek used the online tools of Avis, Enterprise and Hertz to obtain Nebraska rental car insurance rates.
About Mark Fitzpatrick
