Non-owner car insurance in Nebraska
Harm you cause to others in a borrowed or rented car is covered under this policy in your name. Get it if you drive during most months or need an SR-22 but own no car. If the car's owner lives with you, join their policy instead.
- $34 a monthtypical price for a 40-year-old with a clean record, or $402 a year
- Auto-Ownerslowest price in the study, $103 a year, then $164 for the next company
- 25/50/25lowest limits the state allows
What insurers provide non-owner coverage in Nebraska?
Below are rates from 6 companies, starting with the least expensive. USAA charges $174 and only serves military families.
| Company | Per year | Per month |
|---|---|---|
 Auto-Owners | $103 | $9 |
 GEICO | $164 | $14 |
 USAA (military families) | $174 | $15 |
 Progressive | $474 | $40 |
 Shelter | $591 | $49 |
 Iowa Farm Bureau | $1,064 | $89 |
Auto-Owners is listed at $103 a year, far below the other companies here. That is the study's figure, so ask an agent for a real quote before counting on it.
Iowa Farm Bureau is named as the study lists it. It is a regional insurer, so ask an agent whether it writes non-owner policies in your part of Nebraska.
These company prices are for a 40-year-old with a clean record, so your own answers above can give a different price. These numbers, from a study of Nebraska prices, reflect the same driver as before. Out of 50 states, Nebraska ranks 15th cheapest. Who sells it in Nebraska.
Required Nebraska limits, in dollars
Liability amounts are set by Nebraska statute 60-310. For a single crash, the policy must pay up to $50,000 total if several people are hurt, and up to $25,000 for one person's injuries. It has to also include $25,000 for damage to property owned by others.
Uninsured and underinsured motorist coverage is listed as another layer on the Nebraska Department of Insurance coverage page. The limit is $25,000 per person, and the same $25,000 per accident. Uninsured coverage pays if the at-fault driver has no insurance. If the other driver's policy pays too little for your costs, underinsured coverage helps.
How long an SR-22 must stay on file in Nebraska, by suspension type
If your license is suspended and you do not own a vehicle, Nebraska's DMV says to get a non-owner or operator policy. The only proof it takes is an SR-22; a faxed or photocopied version is rejected.
An SR-22 is a form your insurer fills out to prove you have coverage, and the Department of Motor Vehicles manages the process. The DMV's SR-22 rules for suspensions and revocations set the length based on why your license was taken away:
- Three years from your reinstatement eligibility date, if you gathered at least 12 points in less than two years or a court ordered a revocation.
- a conviction for having no proof of insurance: three years starting from the ticket date
- if your license was suspended after an accident, you file only on your reinstatement day
- when you hold an employment driving permit, filing continues until the permit itself runs out
Even after you move, the requirement stays with you, and out-of-state filings must be sent from the insurer's home office. After a point revocation, the reinstatement fee is $125. Personal checks are returned, so pay by cashier's check, by money order, or online. Your insurer has the option to file the SR-22 electronically, not just by mail.
Did you borrow a car in Nebraska and receive a ticket for no proof of insurance?
The DMV's page for no-proof-of-insurance cases gives blunt advice to borrowers: do not plead guilty if the vehicle did not belong to you. Provide a copy of the citation together with a verification letter from your insurer, printed on its official letterhead. After that, the DMV may lift the suspension.
Gaps in coverage are spotted fast. Per the SR-26 cancellation page, your insurer must use an SR-26 notice to tell the DMV when your policy stops. You then face a new insurance cancellation suspension, plus a $50 fee. If your new SR-22 begins on or before the date of the suspension, the action is withdrawn.
What you pay in Nebraska, by age
Drivers in their teens pay around $1,344 each year. A 40-year-old driver pays an average of $515 yearly for minimum coverage on an owned car, which is about $113 above the $402 for non-owner insurance.
| Age | Men | Women |
|---|---|---|
| 16 to 19 | $1,450 | $1,237 |
| 20 to 24 | $670 | $507 |
| 25 to 64 | $407 | $420 |
| 65 and over | $369 | $369 |
Figures are annual, for a spotless driving history, at the required minimum limits. For the 25–64 group, the study’s 25–60 rates are applied; the 65-and-older group uses its 65–75 rates.
Get a non-owner quote in Nebraska
A licensed agent who writes policies in Nebraska takes your call, goes through how you drive for free, and gets you real quotes right away.
Call 833-958-5598