Who Has Affordable Car Insurance Quotes After a Speeding Ticket in Omaha?

After a few driving violations, one of the largest components that aid in calculating the amount you pay for auto insurance is where you live. Cities with larger populations or higher claim trends tend to pay more, whereas less populated areas get the luxury of paying less.

The table below shows the highest-priced areas in Nebraska after a speeding ticket to purchase car insurance in. Omaha is ranked #8 with a yearly cost of $1,270 for the average policyholder, which is about $106 per month.

Car insurance prices in Omaha
Rank City Average Per Year
1 Scottsbluff $1,360
2 Gering $1,357
3 Alliance $1,340
4 North Platte $1,301
5 McCook $1,292
6 South Sioux City $1,290
7 Lexington $1,277
8 Omaha $1,270
9 Beatrice $1,235
10 Seward $1,215
11 Nebraska City $1,212
12 Crete $1,210
13 Kearney $1,188
14 Blair $1,188
15 Bellevue $1,179
16 Columbus $1,174
17 Grand Island $1,170
18 Fremont $1,166
19 Hastings $1,158
20 York $1,145
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Rates are estimated as specific Omaha zip code can affect premiums substantially.

Finding decent, low-cost insurance is tough enough, and figuring out which company quotes the lowest-priced car insurance rates after a speeding ticket will require even more rate comparisons. Every insurance provider uses different criteria to determine rates, so we’ll take a look at the most competitive car insurance companies in Nebraska.

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Cheapest Nebraska auto insurance companies
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $839
3 Auto-Owners $905
4 Allied $949
5 Farmers Mutual of Nebraska $979
6 Farm Bureau Mutual $1,010
7 Nationwide $1,037
8 State Farm $1,065
9 General Casualty $1,081
10 American National $1,087
11 USAA $1,116
12 California Casualty $1,270
13 MetLife $1,293
14 American Family $1,296
15 GEICO $1,322
16 Iowa Mutual $1,334
17 EMC $1,354
18 Progressive $1,417
19 Farmers $1,650
20 North Star $1,693
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Safeco normally has some of the cheapest car insurance rates in Omaha at around $788 each year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also some of the best Omaha, NE auto insurance companies.

In the above rates, if you are a policyholder with The Hartford and switched to Safeco, you may realize savings of approximately $51. Insureds with Auto-Owners might save as much as $117 a year, and Allied insureds might realize rate reductions of up to $161 a year.

Bear in mind that those rates are averages for all insureds and vehicles and do not take into consideration a vehicle location after a speeding ticket. So the company that has the cheapest price for you may not even be in the list above. That point stresses why you need to get car insurance quotes using your own individual information.

The car, truck, or SUV driven is one of the primary factors when consumers are trying to find affordable insurance after a speeding ticket. Vehicles with limited speed and performance, good crash test ratings, or a positive history of liability claims will cost less to insure than higher performance models. The information below estimates car insurance rates for a handful of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Omaha, NE
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,569
Chevrolet Silverado LT Extended Cab 4WD $1,861
Ford Escape Limited 4WD $1,869
Hyundai Elantra SE Touring Station Wagon $1,861
Honda Accord EX-L 4-Dr Sedan $1,868
Chevrolet Equinox LS AWD $1,861
Ford F-150 XLT Crew Cab 2WD $1,875
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,896
Toyota Prius $1,906
Ford Explorer XLT AWD $1,925
Ford Focus SES 4-Dr Sedan $1,929
Chevrolet Impala LS $1,948
Ford Edge SEL AWD $1,957
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Price data assumes single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can revise premium rates substantially.

By looking at the data, we can assume that makes and models like the Honda CR-V, Chevrolet Silverado, Ford Escape, and Hyundai Elantra are likely to be a few of the cheaper vehicles to insure after a few driving violations.

Careless Omaha drivers pay higher rates

The ideal way to score cheap car insurance prices in Omaha after a few driving violations is to be a cautious driver and avoid accidents and traffic violations. The example below illustrates how violations and at-fault accidents raise car insurance rates for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of a car insurance policy per year with no accidents or violations is $1,481. Get written up for one speeding ticket and the average cost hikes up to $1,719, an increase of $237 each year. Then add in one accident along with the one speeding ticket and the annual cost of car insurance after a speeding ticket goes up to an average of $2,402. That’s an increase of $921, or $77 per month, just for not driving attentively!

Cost of full coverage

Saving money on car insurance is probably important to most people, and one common way to save on the cost of insurance after a speeding ticket is to not pay for full coverage. The information below compares annual premium costs with full coverage and liability only. The premiums are based on no claims or driving violations, $1,000 deductibles, single status, and no discounts are factored in.

Averaged for all ages 20 through 70, full coverage on your policy costs $1,681 per year over liability only. Lot’s of drivers question when is it safe to stop buying full coverage. There is no exact formula that works best for making the decision to drop physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

There are some situations where buying only liability insurance is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

How to find the cheapest car insurance after a speeding ticket

It is possible to find better rates, and here are some of the recommended money-saving solutions that can help you find more affordable coverage.

The last idea is certainly critical, as we discussed in this article. Coverage prices change frequently, so don’t hesitate to switch carriers if a better deal can be had.

Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that devotion results in you overpaying potentially thousands of dollars a year. In just a few minutes you could compare rates and find cheaper car insurance after a speeding ticket in Omaha.

The insurance agents in Omaha listed below can aid you in deciding which insurance coverage will be best for you, since lots of drivers aren’t clear which coverage they need and would like to have the advice of a professional agent when shopping for cheaper insurance after a speeding ticket. It can be hard to do it yourself, and getting advice from a licensed Nebraska insurance agent can give you peace of mind knowing your policy gives you adequate protection in the event of a claim.

To find an auto insurance agency close to you, click the button link following the list or click here to compare rates now.

Accredited Insurance Group, Inc.
11347 Davenport StOmaha, NE 68154(402) 334-1780

Alvarez Insurance Agency
4629 S 23rd StOmaha, NE 68107(402) 733-1878

Anthony Anderson – State Farm Insurance Agent
11204 Davenport St #200Omaha, NE 68154(402) 393-0300

Steve Skidmore – State Farm Insurance Agent
17525 Gold Plaza #105Omaha, NE 68130(402) 330-9200

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