How to Find Temporary Car Insurance in Nebraska
If you’re looking for temporary car insurance in Nebraska, your best bet is to buy a longer policy and cancel it early.
Written by Sara Brody
Reviewed by Kathleen Flear
If you’re looking to find temporary car insurance in Nebraska, the best course of action is to purchase a six-month policy from a reputable provider and cancel early. If you see a company advertising true short-term policies, be aware that they are likely scams.
The process of identifying top companies for temporary car insurance in Nebraska can feel challenging—because those companies don’t exist. The fact is legitimate providers typically do not offer policies that last fewer than six months. So companies that advertise short-term insurance are usually not reputable.
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What is temporary car insurance?
Temporary car insurance
doesn’t really exist. Most insurance policies are designed to span six months to a year, which makes it hard to secure insurance for a shorter amount of time. Be aware that many offers for short-term car insurance are scams. Therefore, if you need a temporary plan, it’s usually best to purchase a six-month policy with a reputable insurer and cancel it early. However, if you do cancel early, know that you cannot drive without insurance—it’s a serious offense in almost every state. So allowing for gaps in your coverage will make you legally vulnerable.
Best companies for temporary car insurance in Nebraska
Even though it’s nearly impossible to find temporary car insurance in Nebraska, certain providers make it easier to cancel early than others. With some, you can even get a refund for unused premiums!
Here are a few companies to check out for temporary coverage:
- GEICO: GEICO offers the best deal to Nebraska drivers seeking short-term insurance, with average coverage for 90 days costing $175.
- Farmers Mutual of Nebraska: Farmers Mutual costs drivers an average of $189 per 90 days of coverage.
- USAA: USAA doesn’t charge cancellation fees and does provide refunds—but keep in mind that it’s only available to military members and families. Three months of coverage averages $168.
- State Farm: It’s easy to cancel a State Farm policy, and in most cases, you can get a refund with no early cancellation fee. Three months of coverage will cost around $193.
- Progressive: Progressive’s policies vary from state to state, but you typically won’t be charged for canceling before your policy is up. Three months of coverage should average around $251.
Remember that if you’re planning to keep your car, it’s essential to buy another policy to stay in compliance with the law. In Nebraska, you’ll have to pay a $500 reinstatement fee if there is any lapse in your insurance coverage, and your insurance rate will increase about 8%.
Alternatives to temporary car insurance
If you’re a driver in an unconventional situation, you may have other options for short-term car insurance, including
rental car insurance
and non-owner car insurance
.Rental car insurance
If you want to drive temporarily in Nebraska without risking the fines that can result from driving without insurance, you might consider renting instead of buying a car. You’ll have the option to sign a collision damage waiver (CDW), which offers a high level of protection.
That said, many experts agree that CDWs are overpriced. Instead, you might consider rental car liability insurance or personal car accident insurance, which should both be available through the rental company.
Many standard credit card companies also offer free rental collision coverage!
Non-owner car insurance
If you’re a Nebraska resident who doesn’t own a car but often borrows or rents one, you are likely eligible for non-owner car insurance. This will help you meet Nebraska’s
car insurance laws
, but instead of being anchored to a specific vehicle, this insurance follows you from car to car. As an added bonus, it’s frequently 10% cheaper than traditional insurance.
How to find affordable car insurance in Nebraska
Whether you need coverage for one day or 365, it’s easy to find the best rates on car insurance in Nebraska. Just download
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversCan I insure a car for just one month?
It’s unlikely that atrue one-month policy would be offered by a reputable insurer, so if you see one available, be aware that it’s probably a scam. If you want a policy shorter than six months, your best bet is to buy a longer policy and cancel it early.
What happens if you drive without insurance in Nebraska?
In Nebraska, driving without insurance is a Class II misdemeanor that results in automatic license and registration suspension and license plate confiscation. You’ll need to pay a $500 reinstatement fee once you have coverage again, and depending on the timeline, you may also need to get an SR-22 certificate.
