Who Has Affordable Auto Insurance for Low Credit Scores in Omaha?

For bad credit, one of the largest factors that help determine auto insurance rates is where you live. Regions with more people or even just more weather-related claims tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The information below lists the most expensive places in Nebraska for low credit scores in which to purchase auto insurance. Omaha is ranked at #7 with the annual price of $1,257 for coverage, which is approximately $105 monthly.

How much does car insurance cost in Omaha, NE?
Rank City Average Per Year
1 Scottsbluff $1,374
2 Alliance $1,354
3 McCook $1,318
4 Gering $1,303
5 North Platte $1,288
6 Lexington $1,264
7 Omaha $1,257
8 South Sioux City $1,251
9 Blair $1,236
10 Beatrice $1,235
11 Crete $1,234
12 Kearney $1,200
13 Hastings $1,182
14 Bellevue $1,179
15 Seward $1,179
16 Fremont $1,177
17 Nebraska City $1,176
18 Grand Island $1,170
19 Norfolk $1,147
20 York $1,145
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Rate quotes are comparative as the specific garaging location can increase or decrease coverage rates noticeably.

Buying low-priced auto insurance is challenging, and deciding which companies offer the cheapest auto insurance rates for low credit scores may require even more rate comparisons.

Each auto insurance company has their own process to determine premium rates, so we need to take a look at the most competitive auto insurance companies in Nebraska.

Best Auto Insurance Prices in Nebraska

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Cheapest auto insurance in Nebraska ranked by cost per year
Rank Company Cost Per Year
1 Safeco $804
2 The Hartford $865
3 Auto-Owners $905
4 Allied $921
5 Farm Bureau Mutual $980
6 Farmers Mutual of Nebraska $1,009
7 Nationwide $1,027
8 American National $1,054
9 State Farm $1,065
10 General Casualty $1,092
11 USAA $1,128
12 California Casualty $1,270
13 MetLife $1,293
14 Iowa Mutual $1,295
15 American Family $1,296
16 EMC $1,300
17 GEICO $1,308
18 Progressive $1,417
19 Farmers $1,634
20 North Star $1,710
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Safeco normally has some of the best car insurance rates in Omaha at around $804 per year. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual would also make the list of some of the most economical Omaha, NE car insurance companies.

As the example above demonstrates, if you buy coverage from The Hartford and switched to Safeco, you might achieve an annual savings of in the neighborhood of $61. Drivers with Auto-Owners might save as much as $101 a year, and Allied insureds might see rate reductions of $117 a year.

If you would like to find cheaper car insurance rates, click here to get quotes or visit any of the companies below.

It’s important to note that these prices are averaged across all drivers and vehicles in Nebraska and do not take into consideration a specific zip code for low credit scores. So the auto insurance company that can offer you the lowest price may not even be in the list above. That’s why you need to get car insurance quotes using your own individual information.

The make and model of vehicle you are seeking coverage for is a large factor when comparing quotes for cheap auto insurance for low credit scores. Vehicles with lower performance, excellent safety ratings, or a positive history of liability claims will cost much less to insure than adrenaline junky models. The table below shows coverage premiums for a selection of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Omaha, NE
Insured Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,061
Ford Escape Limited 2WD $1,087
Honda Accord EX 4-Dr Sedan $1,163
Toyota Prius $1,177
Ford Explorer XLT AWD $1,191
Honda CR-V EX-L 2WD $1,200
Dodge Grand Caravan Hero $1,259
Toyota RAV4 Sport 4WD $1,265
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,293
Honda Odyssey EX-L W/Rear Entertainment $1,326
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,349
Nissan Rogue S AWD $1,359
Ford Edge SE AWD $1,349
GMC Sierra SLE Regular Cab 4WD $1,356
Ford Focus SE 4-Dr Sedan $1,349
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in zip code location which can lower or raise premium rates greatly.

Looking at the rates, cars like the Hyundai Elantra, Ford Escape, Honda Accord, Toyota Prius, and Ford Explorer will be a few of the less-costly vehicles to insure for bad credit.

How to get discounts on Omaha car insurance

Save on auto insurance for bad credit in OmahaInsurers that sell policies for low credit scores may also provide policy discounts that could reduce prices by as much as 35% or more if you qualify for them. A few of the larger companies and some of the premium reductions they offer are:

The example below shows the difference between auto insurance rates with and without discounts applied. The price estimates are based on a male driver, no accidents or driving violations, Nebraska state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, homeowner, claim-free, multiple vehicle, marriage, and multiple policy discounts applied. When discounts are applied, the average savings per year on auto insurance for low credit scores is 28% or $471.

The illustration below illustrates how your deductible choice can change insurance costs when getting quotes for cheap insurance for low credit scores. The price estimates are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

The data above shows that a 30-year-old driver could lower their car insurance rates by $278 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $418 by choosing a $1,000 deductible. Younger drivers, such as the Age 20 example, could possibly save $808 or more just by choosing larger deductibles.

If you do raise deductibles, it will be important to have additional savings on hand to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

The agents shown below are a good start to answer your questions and help you decide which auto insurance coverages would be the best in your situation, since many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when comparing insurance rates for bad credit. It’s not always simple to find coverage yourself, so getting advice from a licensed agent can give you peace of mind knowing you have decent coverage if you have a claim. To find an Omaha insurance agency using an interactive map, click the button after the list or click here to compare price quotes.

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How to find the cheapest car insurance for low credit scores

It’s not impossible to find cheaper rates, and here are a few money-saving suggestions that can help Nebraska drivers quote cheaper car insurance.

That last piece of advice is extremely valuable, as we stressed in the prior information. Prices charged by car insurance companies vary greatly, so don’t be hesitant to buy a different policy if a more affordable rate is found. Many drivers prefer to stick with one company, but we do not recommend it if that inflexibility results in costing you a considerable chunk of change every month. Now is a great time to compare rates to find cheaper insurance for low credit scores in Omaha.