What Auto Insurance is Cheapest for Ride Shares in Omaha?

I’m sure you’ve seen the captivating commercials from auto insurance companies like Allstate, The General, and Nationwide that claim big savings. So drivers should just select the one with the best jingle, right?

It’s not that easy, however, as there are a ton of unknown elements like if you are married or single, what liability limits you need, and if you own a home, that all impact the cost of coverage. We will try to cover the best ways to avoid paying too much and will hopefully give you a solid foundation to find cheaper car insurance in Nebraska.

The vehicle model you are trying to insure is probably the biggest factor when consumers are trying to find economical insurance for real estate agents. Vehicles with more horsepower, poor safety features, or a history of substantial liability claims will cost significantly more to insure than more modest models. The information below presents car insurance costs for a selection of the most budget-friendly automobiles to insure in Nebraska.

Cheapest Vehicles to Insure in Omaha, NE
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX 2WD $957
Hyundai Elantra SE Touring Station Wagon $1,041
Ford Escape XLS 4WD $1,050
Ford F-150 STX Regular Cab 4WD $1,072
Honda Accord EX 4-Dr Sedan $1,079
Ford Focus SEL 4-Dr Sedan $1,171
Honda Odyssey EX-L W/Navigation $1,194
Ford Edge Sport 2WD $1,199
Toyota Prius $1,196
GMC Sierra SLE Regular Cab 4WD $1,213
Nissan Altima Hybrid 4-Dr Sedan $1,221
Kia Optima LX $1,216
Jeep Wrangler Sahara 4WD 2-Dr $1,225
Dodge Grand Caravan CV $1,216
Nissan Rogue S AWD $1,224
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in garaging location in Omaha, NE which can change coverage prices noticeably.

By looking at the data, cars like the Honda CR-V, Hyundai Elantra, Ford Escape, Ford F-150, and Honda Accord will be some of the more affordable vehicles to insure for realtors.

Finding out which company quotes the lowest-priced car insurance rates for real estate agents will require a bit more effort in order to find coverage that fits your budget.

Each auto insurance company uses their own calculation to set their prices, so to begin we’ll rank the most budget-friendly car insurance companies in Nebraska.

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Cheapest auto insurance in Nebraska ranked by cost per year
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $847
3 Auto-Owners $932
4 Allied $939
5 Nationwide $1,007
6 Farm Bureau Mutual $1,010
7 Farmers Mutual of Nebraska $1,019
8 State Farm $1,033
9 American National $1,054
10 General Casualty $1,114
11 USAA $1,162
12 American Family $1,258
13 California Casualty $1,270
14 GEICO $1,308
15 EMC $1,314
16 MetLife $1,332
17 Iowa Mutual $1,347
18 Progressive $1,460
19 Farmers $1,602
20 North Star $1,693
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Safeco normally has some of the best car insurance rates in Omaha at around $788 annually. The Hartford, Auto-Owners, Allied, and Nationwide also qualify as some of the cheapest Omaha, NE auto insurance companies.

As the example above demonstrates, if you currently have a policy with Allied and switched to Safeco, you might realize annual savings of about $151. Drivers with Nationwide could save as much as $219 a year, and Farm Bureau Mutual insureds might lower prices by up to $222 a year.

To compare your rates to other Nebraska insurance companies, click here to get a free quote or click several companies below for low rates.

These premiums are averaged for all insureds and vehicles and are not factoring in an exact vehicle garaging location for real estate agents. So the company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own specific driver information and vehicle.

For realtors, one of the largest factors that are looked at to determine the amount you pay for auto insurance is where you keep your car in Omaha. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.

The information below sorts the most expensive cities in Nebraska for real estate agents to buy an auto insurance policy in. Omaha ranks #7 with an annual cost of $1,270 for the average policyholder, which is approximately $106 monthly.

How much is car insurance in Omaha?
Rank City Annual Premium
1 Scottsbluff $1,360
2 Alliance $1,354
3 Gering $1,343
4 McCook $1,331
5 Lexington $1,316
6 South Sioux City $1,303
7 Omaha $1,270
8 North Platte $1,250
9 Crete $1,246
10 Beatrice $1,235
11 Nebraska City $1,212
12 Blair $1,200
13 Kearney $1,200
14 Hastings $1,182
15 York $1,180
16 Seward $1,179
17 Fremont $1,166
18 La Vista $1,162
19 Columbus $1,150
20 Norfolk $1,147
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Premium amounts are comparative as specific Omaha zip code can change coverage prices considerably.

Illustration showing the impact of accidents and violations

One of the best ways to enjoy the best car insurance rates in Omaha for realtors is to drive attentively and not receive tickets or have accidents. The information below illustrates how speeding tickets and at-fault collisions influence insurance prices for different age groups of insureds. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

In the prior example, the average cost of a car insurance policy in Nebraska per year with no accidents and a clean driving record is $1,285. Receive two speeding tickets and the average cost hikes up to $1,817, an increase of $532 each year. Now get two accidents along with the two speeding tickets and the yearly cost of car insurance for real estate agents jumps again to an average of $4,056. That’s an increase of $2,771, or $231 per month, just for a couple of infractions!

Liability rates compared to full coverage

Saving on car insurance is important to most vehicle owners, and one easy way to pay lower rates for insurance for real estate agents is to buy only liability coverage. The information below compares insurance rates with full physical damage coverage and with liability coverage only. The price estimates are based on no accidents or driving violations, $100 deductibles, marital status is single, and no discounts are applied.

If we average the cost for all age groups, comp and collision coverage costs $1,722 per year over and above liability coverage. A very common question is when is it a good idea to stop buying full coverage. There is no clear-cut rule for dropping physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your vehicle’s replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $8,000 after paying your deductible. If you are paying more than $800 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

Get discounts on Omaha car insurance

Cheaper Omaha, NE car insurance for realtorsInsurers that sell policies for real estate agents may provide price discounts that could reduce prices by 35% or more if you qualify for them. Large car insurance companies and some of the discounts are outlined below.

The example below visualizes the comparison of insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no claims or driving citations, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with anti-theft, vehicle safety, defensive driving course, claim-free, multiple vehicle, and homeowner discounts applied. In this example, theaverage amount saved on car insurance for real estate agents is 28% or $528.