Cheapest and Best Non-Owner Car Insurance in Nebraska (2024)

Non-owner car insurance offers auto liability coverage to individuals who do not own a vehicle but require protection while driving on the highways. This type of insurance is well-suited for those who frequently borrow cars or need to maintain continuous auto insurance. Additionally, it can benefit drivers with violations such as DUIs, as it may help them reinstate their licenses after a suspension or revocation.

Auto-Owners provides the most affordable non-owner car insurance in Nebraska. It also stands as the cheapest option for individuals looking for non-owner car insurance following a violation. The insurer is also ranked as the state's best provider, providing a unique combination of affordability and exceptional service.

Auto-Owners offers the cheapest non-owner car insurance in Nebraska at the following rates:

• Drivers with clean records: Auto-Owners: ($15 per month)
• Drivers with violations: Auto-Owners: ($16 per month)

Non-owner car insurance premiums tend to increase for individuals with driving offenses on their records. In Nebraska, Auto-Owners, the most affordable provider of non-owner insurance, charges drivers with violations only $1 more than those with clean driving histories.

These providers offer the most affordable non-owner auto insurance for Nebraskans with clean driving records:

• Auto-Owners: $15 per month
• GEICO: $20 per month

USAA is another budget-friendly option for non-owner auto insurance in Nebraska, with an average monthly premium of $19. However, USAA's policies are exclusively available to veterans, active military personnel and their families. Non-owner auto insurance policies in Nebraska have an average monthly cost of $28, which is $15 lower than the national average of $43 per month.

MoneyGeek found that these insurers offer the cheapest non-owner car insurance for Nebraska drivers with violations:

• Auto-Owners: $16 per month
• GEICO: $36 per month

USAA offers cheap SR-22 insurance for Nebraskan military members, with monthly premiums starting at $29.

If you have a driving offense such as a DUI or an at-fault accident on your record, you may need to file an SR-22. This can result in an increase in your insurance expenses. Nebraska's most affordable non-owner SR-22 insurance option costs $16 per month, which is $43 cheaper than the national average.

Non-owner car insurance is a specialized policy type designed for individuals who do not own a vehicle. It provides liability coverage for borrowed or rented cars, offering protection against property damage and bodily injury to others in the event of an at-fault accident. However, it does not include coverage for car damage or personal injuries. Certain insurers may offer additional coverage options customized to individual requirements in Nebraska.

See the table below for a comprehensive comparison of the variations between a non-owner car insurance policy and a full coverage plan, highlighting their distinctive features.

In Nebraska, the average cost of car insurance for non-owners is $28 per month, which is below the national average of $43. However, it's important to note that your individual profile also significantly impacts your premiums. The cost of your policy can be influenced by your age, the make and model of the vehicle you drive and other personal circumstances. These factors can impact your insurance costs more than your location alone.

The following companies offer the best non-owner auto insurance in Nebraska:

• Auto-Owners: MoneyGeek score of 78 out of 100 ($15 per month)
• GEICO: MoneyGeek score of 72 out of 100 ($20 per month)
• State Farm: MoneyGeek score of 61 out of 100 ($32 per month)

MoneyGeek's rankings are based on affordability, J.D. Power's customer service data and AM Best's financial stability ratings. By exploring our detailed assessments of these top three companies, you will gain the necessary insights to choose the insurer that best suits your needs and preferences.

Non-owner car insurance policies cater to individuals who do not possess a vehicle of their own but still need insurance coverage while driving. These policies offer liability protection, granting peace of mind to a diverse range of drivers. Consider the following examples of drivers who may find non-owners car insurance in Nebraska to be an ideal solution:

To help you better understand non-owner car insurance in Nebraska, we have compiled a list of common inquiries along with their respective answers.