Non-Owner Car Insurance in Nebraska: The Cheapest Options and What You Need to Know

In Nebraska, non-owner car insurance costs an average of $328 per year, with GEICO offering the cheapest premiums at roughly $91 annually. MoneyGeek’s guide can help you understand non-owner car insurance and how it works in Nebraska.

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Last Updated: 12/3/2021
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Non-owner car insurance in Nebraska is recommended for drivers who don’t own cars but drive rental vehicles or use car-sharing services frequently. It’s also suitable for people who need to have their license reinstated after a traffic violation.

On average, the annual cost of non-owner car insurance in Nebraska is $328 for someone with a clean driving record and $577 for someone with a traffic violation, such as a DUI.

MoneyGeek researched premiums from insurance companies offering non-owner car insurance in Nebraska and explains when you need and when you don’t need this kind of policy.

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Cheapest Non-Owner Car Insurance Companies in Nebraska

Non-owner car insurance is not as expensive as regular car insurance, but you can still save more money by comparing quotes from different insurance companies.

On average, MoneyGeek found the two companies offering the cheapest non-owner car insurance in Nebraska are:

  • GEICO: $91 per year
  • Progressive: $259 per year

USAA offers the second most affordable rates and costs an average of $167 per year. However, these policies are only available to military members and their families.

The most expensive non-owner car insurance provider in Nebraska is Metlife, with annual premiums costing an average of $667.

Premiums for this guide are for a 40-year-old driver from Nebraska with a non-owner car insurance policy that meets the state’s minimum requirements as outlined in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Nebraska

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $91
    $8
  • USAA
    $167
    $14
  • Progressive
    $259
    $22
  • State Farm
    $277
    $23
  • Farmers
    $508
    $42
  • MetLife
    $667
    $56
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How Much Is Non-Owner Car Insurance in Nebraska?

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The average cost of non-owner car insurance in Nebraska is $328 per year, while standard car insurance costs an average of $502, which is a difference of $174.

However, your rates can go up if you have a major traffic violation on your record, such as a DUI. A DUI raises the average cost of non-owner car insurance to $577, while regular car insurance with a DUI costs around $909 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Nebraska

If you don’t own a car and need your license reinstated after a serious traffic offense such as a DUI, you may need to file an SR-22. Non-owner SR-22 car insurance may be your cheapest option to fulfill this requirement.

On average, MoneyGeek found that the two cheapest companies for non-owner SR-22 car insurance in Nebraska are:

  • GEICO: $240 per year
  • State Farm: $277 per year

The most expensive provider of non-owner car insurance for someone with a DUI in Nebraska is MetLife, with premiums averaging $1,617 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Nebraska

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $240
    $20
  • State Farm
    $277
    $23
  • Progressive
    $288
    $24
  • USAA
    $331
    $28
  • Farmers
    $706
    $59
  • MetLife
    $1,617
    $135
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Nebraska?

Non-owner car insurance, also known as non-owner liability insurance, is the best option if you don’t own a car but frequently use rental or borrowed vehicles. It includes liability insurance and other coverages required by the state.

However, this type of insurance doesn’t include comprehensive and collision insurance, also known as full coverage.

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A non-owner car insurance policy is required to meet Nebraska’s minimum requirements as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

Who Should Get Non-Owner Car Insurance in Nebraska?

Nebraska insurance regulations don’t require you to have a car insurance policy if you don’t have a car, but it could be a good idea to purchase this coverage if you:

  • Need your license reinstated: If you receive a significant traffic violation like a DUI, your license may get suspended. The court will require you to file an SR-22 to have your license reinstated. Buying a non-owner car insurance policy is a low-cost way to comply with this requirement.
  • Regularly use rental cars or car-sharing services: When you drive rental vehicles often, rental car insurance can cost more than non-owner car insurance. To save money, non-owner car insurance might be your best option.
  • Temporarily don’t have a car but wish to maintain your policy and avoid a lapse: If you don’t currently have a car, you might cancel your regular insurance. However, this will cause an insurance lapse that may push insurers to increase your premiums in the future. Non-owner car insurance can help you maintain more affordable rates.

Who Shouldn’t Get Non-Owner Car Insurance in Nebraska?

You don’t always need non-owner car insurance if you drive a car that’s not yours. For example, if you borrow your friend’s car in Omaha with their permission, their insurance coverage will extend to you.

Additionally, if you only rent cars a couple of times a year, opting for coverage from the rental car company is a more cost-effective solution and will provide adequate protection.

How to Get Non-Owner Car Insurance in Nebraska

All the insurance companies listed by MoneyGeek in this guide provide non-owner car insurance in Nebraska. Unfortunately, you can’t simply get a quote online since most insurers do not offer online quotes for non-owner car insurance. The easiest way to get a non-owner car insurance policy quote is to call the insurers using the information below.

Contact Non-Owner Car Insurance Companies in Nebraska
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • Progressive
    888-671-4405
  • State Farm
    800-782-8332
  • Farmers
    888-327-6335
  • MetLife
    800-422-4272

Frequently Asked Questions About Nebraska Non-Owner Car Insurance

There is a considerable difference between non-owner car insurance and standard car insurance policies. To help you better understand the differences, here are some of the most frequently asked questions regarding non-owner car insurance in Nebraska:

Methodology

MoneyGeek, in partnership with Quadrant Information Services, collected the non-owner car insurance quotes across Nebraska. The sample driver used in the quotes is 40 years old with both a safe driving record and a DUI. The policies meet Nebraska’s minimum policy requirements except for liability insurance. This has the following limits:

  • $50,000 in bodily injury and liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

Data for regular car insurance premiums used for comparison also had the same limits.