Who Has Affordable Omaha Car Insurance Rates for a School Permit?

One of the many considerations that are looked at to determine auto insurance rates is where your car is garaged. Regions with larger populations or more claims likely pay more, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The following table shows the most expensive cities in Nebraska for a school permit to buy an auto insurance policy in. Omaha is ranked #10 with an annual rate of $1,220 for the average insurance policy, which is approximately $102 per month.

How much is auto insurance in Omaha, NE?
Rank City Annual Rate
1 Scottsbluff $1,374
2 Gering $1,343
3 Alliance $1,340
4 North Platte $1,301
5 McCook $1,292
6 Lexington $1,277
7 South Sioux City $1,264
8 Beatrice $1,259
9 Seward $1,227
10 Omaha $1,220
11 Nebraska City $1,212
12 Crete $1,210
13 Blair $1,200
14 Kearney $1,188
15 Hastings $1,182
16 Bellevue $1,179
17 Columbus $1,174
18 Grand Island $1,158
19 York $1,156
20 Norfolk $1,147
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Rate information is estimated as the vehicle garaging location can change coverage prices substantially.

The vehicle model you are seeking coverage for is probably the biggest factor in finding the best insurance for a school permit. Vehicles with high performance engines, poor passenger safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models.

The list below features auto insurance costs for a number of the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in Omaha, NE
Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $3,786
Ford Escape XLT 2WD $3,795
Honda CR-V EX-L 4WD $3,823
Jeep Wrangler Sport 4WD 2-Dr $3,975
Hyundai Elantra SE Touring Station Wagon $4,062
Toyota Prius $4,099
Volkswagen Jetta 2.0T Station Wagon $4,338
Honda Odyssey EX W/Rear Entertainment $4,453
Ford Focus S 4-Dr Sedan $4,458
Ford Edge SEL 2WD $4,453
Toyota Tacoma Double Cab 4WD $4,489
Chevrolet Malibu Hybrid $4,496
Chevrolet Impala LT $4,489
Dodge Grand Caravan Hero $4,498
Toyota RAV4 4WD $4,489
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Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific zip code location which can modify price quotes substantially.

Based on these rates, you can figure that vehicles like the Honda Accord, Ford Escape, Honda CR-V, Jeep Wrangler, and Hyundai Elantra are most likely going to be the cheaper vehicles to insure for a learners permit. The price for car insurance will be more costly just due to the fact that there is more liability risk for a school permit, but generally speaking those particular models will most likely have the lowest insurance prices compared to all other vehicles.

Figuring out which companies offer the lowest-priced insurance rates for a school permit takes a little more sweat in order to find the best policy. Each insurance company uses their own formula for determining rates in each state, so let’s take a look at the insurance companies with the most affordable rates in Omaha.

It’s important to understand that Nebraska insurance rates are based on many factors which can significantly increase or decrease the policy premium. Improving your credit score, buying higher coverage limits, or getting a speeding ticket can trigger rate changes that may make certain companies cheaper than competitors.

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What’s the cheapest car insurance in Nebraska?
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $873
3 Auto-Owners $932
4 Allied $939
5 Farmers Mutual of Nebraska $979
6 Farm Bureau Mutual $980
7 Nationwide $1,037
8 State Farm $1,043
9 American National $1,054
10 General Casualty $1,114
11 USAA $1,162
12 California Casualty $1,257
13 American Family $1,284
14 MetLife $1,293
15 Iowa Mutual $1,295
16 EMC $1,300
17 GEICO $1,348
18 Progressive $1,417
19 Farmers $1,634
20 North Star $1,642
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Safeco normally has some of the most affordable car insurance rates in Omaha at around $788 each year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also make the list of some of the most economical Omaha, NE insurance companies.

As illustrated above, if you currently have coverage with Allied and switched to Safeco, you could realize yearly savings of upwards of $151. Drivers with Farmers Mutual of Nebraska might save as much as $191 a year, and Farm Bureau Mutual policyholders might cut rates by $192 a year.

Understand that those estimates are averaged for all drivers and vehicles in Nebraska and and are not calculated with a specific location for a school permit. So the insurer that is most affordable for your situation may not even be in the list above. That illustrates why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Safe drivers Omaha pay cheaper rates

The common sense way to score the best insurance prices in Nebraska for a learners permit is to drive safe and avoid accidents and keep your driving record clean. The chart below demonstrates how traffic citations and at-fault collisions drive up insurance costs for each different age category. The data is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

In the example above, the average cost of auto insurance per year with no accidents or violations is $1,500. Get written up for two speeding tickets and the average cost jumps to $2,011, an increase of $510 each year. Now add in one accident along with the two speeding tickets and the yearly cost of insurance for a school permit goes up to an average of $2,520. That’s an increase of $1,020, or $85 per month, just for being a little careless behind the wheel!

Types of discounts on Omaha car insurance rates

Save on insurance for a learners permit in OmahaInsurance companies that provide policies for a school permit may also give you discounts that can lower rates by as much as 35% if you are eligible for them. A few popular companies and their offered discounts can be read below.

The illustration below shows the difference between yearly insurance costs with and without discounts applied. The premiums assume a male driver, no violations or claims, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, paperless filing, good student, paid-in-full, vehicle safety, and continuous coverage discounts applied. When these discounts are applied, theaverage amount saved on insurance for a school permit is 28% or $487.

The information below demonstrates how deductibles can increase or decrease premium costs when trying to find cheap insurance for a school permit. The data is based on a married male driver, comp and collision included, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could pocket $232 a year by increasing from a $100 deductible to a $500 deductible, or save $352 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, can save as much as $694 every year by using higher deductibles when buying full coverage. When choosing a higher deductible, it is necessary to have additional funds in a savings account to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

The Omaha auto insurance agencies shown below can probably help you decide which coverages are best, as many consumers aren’t sure which coverage to buy and prefer to get some help when buying car insurance for a learners permit. It can be time-consuming to find the cheapest rates, so using a licensed agent can give satisfaction knowing your policy gives you sufficient coverage at claim time.

To find an agent nearest to you, click the button link following the list.

American Family Insurance – S De Los Reyes Agency Inc.
5052 S 108th StOmaha, NE 68137(402) 339-9052

American Family Insurance – Steven Moor Agency Inc.
13358 W Maple RdOmaha, NE 68164(402) 399-8200

State Farm Insurance: Cory Juma
15665 Harrison St KOmaha, NE 68136(402) 891-6161

Cyrus Jaffery – State Farm Insurance Agent
3015 North 90th Street Ste 3Omaha, NE 68134(402) 451-2500

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