In a perfect world, we could tell you the one best car insurance company that has the lowest rates in Nebraska. It’s not that easy, however, as there are a lot of unknown aspects such as whether you want full coverage, if you have any driving citations, and the vehicle you drive, that all impact the price you pay. The content below will cover the things that cause high insurance rates and educate you enough to have a good beginning to your quest for cheaper car insurance.
The vehicle you are seeking coverage for is one of the main factors when shopping for the most affordable car insurance for drivers with a DUI. Vehicles with limited top-end speed, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models. The list below estimates coverage rates for a selection of the more affordable automobiles to insure in Nebraska.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,583|
|Dodge Grand Caravan SE||$1,605|
|Honda CR-V EX 2WD||$1,662|
|Chevrolet Equinox LS 2WD||$1,699|
|Toyota RAV4 Limited 4WD||$1,704|
|Ford Edge SE 2WD||$1,737|
|Honda Odyssey LX||$1,742|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,744|
|Chevrolet Impala LTZ||$1,790|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$1,821|
|GMC Sierra SLE Crew Cab 4WD||$1,826|
|Ford Explorer XLT 2WD||$1,862|
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Data based on single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle garaging location which can affect rates substantially.
Looking at the numbers, we can tell that makes and models like the Ford Escape, Dodge Grand Caravan, Honda CR-V, and Chevrolet Equinox are likely to be some of the cheaper vehicles to insure after getting a DUI. The price for an auto insurance policy will be higher anyway just because there is more risk for drivers with a DUI, but overall those models will probably have the cheapest auto insurance rates compared to other types of vehicles.
Deciphering which companies offer the cheapest insurance rates for drivers with a DUI involves a bit more work in order to find the lowest price. Each insurer has their own process for determining prices, so let’s look at the rankings for the insurance companies with the most affordable rates in Omaha.
It’s important that you understand Omaha insurance rates are based on many factors that can increase the price you have to pay for coverage. Simply turning a year older, buying a home instead of renting, or getting a DUI can trigger changes in premium that can now make some companies cheaper than others.
Find the Best Cheap Insurance after a DUI
|Rank||Company||Cost Per Year|
|5||Farmers Mutual of Nebraska||$989|
|6||Farm Bureau Mutual||$1,010|
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Safeco may have some of the lowest car insurance rates in Omaha at around $780 annually. This is $536 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska also qualify as some of the lowest-priced Omaha, NE car insurance companies.
As illustrated above, if you have coverage with Farmers Mutual of Nebraska and switched to The Hartford, you may see yearly savings of in the neighborhood of $142. Customers with Farm Bureau Mutual might save as much as $163 a year, and Nationwide insureds might lower prices by up to $180 a year.
Be aware that those estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration an exact location for drivers with a DUI. So the company that fits your age and vehicle best may not even be in the list above. That points out the importance of why you need to get quotes using your own specific driver information and vehicle.
After getting a DUI, one of the big criteria that are looked at to determine the cost of insurance is where you live. Cities with larger populations will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.
The table below rates the most costly cities in Nebraska for drivers with a DUI to purchase a policy in. Omaha makes the list at #10 with the annual price of $1,220 for car insurance, which is about $102 per month.
|Rank||City||Premium Per Year|
|7||South Sioux City||$1,251|
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Information shown are comparative as the specific area where the vehicle is garaged can lower or raise coverage prices greatly.
How violations and accidents impact rates
The ideal way to earn the cheapest insurance rates in Nebraska after getting a DUI is to be a safe driver and avoid accidents and violations. The example below demonstrates how citations and fender-benders can affect insurance prices for different insured age categories. The data assumes a married male driver, full coverage, $100 deductibles, and no discounts are factored in.
In the previous example, the average cost of auto insurance in Nebraska per year with no accidents or violations is $1,472. Get one speeding ticket and the average cost hikes up to $1,688, an increase of $215 each year. Then include one accident along with the one speeding ticket and the annual cost of insurance for drivers with a DUI increases to an average of $2,298. That’s an increase of $826, or $69 per month, just for not maintaining a clean driving record!
Should you buy full coverage?
Reducing premiums for insurance is the goal of the majority of drivers, and an effective way to buy cheaper insurance for drivers with a DUI is to not insure for full coverage. The diagram below illustrates the difference between premium costs with full coverage compared to only the Nebraska minimum liability coverage. The costs are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.
As an average for all age groups, physical damage coverage costs $2,107 per year over and above liability coverage. That touches on the question if physical damage coverage is worth the money. There is no definitive formula to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
Here’s why you should compare rates often
Omaha, NE insurance rates are impacted by many things which can substantially change the policy premium. Simply having another birthday, buying higher coverage limits, or getting a couple of tickets may generate price changes that can cause some rates to be cheaper than before.
Not only may things change on your end, but auto insurance companies modify pricing every year to adjust for gains or losses. Heavier than normal losses can cause increased policy costs, while a better loss history may cause more affordable Omaha car insurance rates.
The data below demonstrates which company has the cheapest car insurance in Omaha, NE for a 45-year-old male driver with a clear driving record, no claims, and a good credit rating. When comparing rates based on his current situation, Safeco might quote the most affordable car insurance rates in Omaha at $923 annually. This is $393 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Nationwide are the remainder of the cheapest Omaha, NE auto insurance companies.
Let’s now give the driver from above an at-fault accident, a lower credit rating, and a few blemishes on his driving record. Due to the fact that every auto insurer uses a different method for filing rates in each state, comparing prices may now result in a different list of the cheapest Omaha car insurance companies as shown below.
Farm Bureau Mutual now has the cheapest car insurance in Omaha, NE with State Farm, General Casualty, American National, and USAA also being competitive. This demonstrates why consumers need to do a thorough rate comparison when trying to get affordable auto insurance rates for drivers with a DUI.
Car insurance prices can be determined by many risk factors and can decrease or increase without notice, so the best company three years ago may now be one of the higher cost companies.