What Insurance is Cheapest for Seniors in Omaha?

One of the more important components that are looked at to determine auto insurance rates is the neighborhood you call home. Larger areas tend to have higher rates, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The following table ranks the most costly cities in Nebraska for seniors in which to purchase auto insurance. Omaha shows up at #7 with an annual premium of $1,270 for the average policyholder, which is about $106 monthly.

Car insurance prices in Omaha
Rank City Annual Rate
1 Gering $1,357
2 Scottsbluff $1,334
3 McCook $1,318
4 Alliance $1,314
5 North Platte $1,288
6 Beatrice $1,272
7 Omaha $1,270
8 Lexington $1,264
9 South Sioux City $1,264
10 Nebraska City $1,224
11 Crete $1,210
12 Blair $1,200
13 Kearney $1,188
14 Columbus $1,185
15 Seward $1,179
16 Bellevue $1,179
17 York $1,156
18 La Vista $1,150
19 Hastings $1,147
20 Fremont $1,131
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Rate quotes are estimated as the specific garaging location can change coverage prices substantially.

Deciding which company has the best car insurance rates for seniors involves a bit more work than just getting one or two price quotes.

Each insurer has a different process for determining rates in each state, so let’s rank the overall cheapest car insurance companies in Omaha. It’s important to know that Omaha car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of a policy. Simply having a birthday, filing a claim, or getting a couple of tickets can cause premium changes resulting in some companies being cheaper in comparison to the competition.

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Cheapest insurance companies in Nebraska
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $839
3 Auto-Owners $896
4 Allied $949
5 Farm Bureau Mutual $980
6 Farmers Mutual of Nebraska $989
7 Nationwide $1,007
8 State Farm $1,043
9 American National $1,065
10 General Casualty $1,092
11 USAA $1,116
12 MetLife $1,280
13 American Family $1,284
14 Iowa Mutual $1,295
15 California Casualty $1,296
16 EMC $1,354
17 GEICO $1,362
18 Progressive $1,460
19 Farmers $1,650
20 North Star $1,693
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Safeco normally has some of the lowest car insurance rates in Omaha at around $788 a year. This is $528 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual also qualify as some of the best Omaha, NE insurance companies.

As shown in the table above, if you buy coverage from Allied and switched to Safeco, you may realize a yearly savings of in the neighborhood of $161. Drivers with Farm Bureau Mutual may save as much as $192 a year, and Farmers Mutual of Nebraska policyholders might realize rate reductions of up to $201 a year.

Understand that those premiums are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact location for seniors. So the car insurance company that fits you best may not even be in the top 24 companies shown above. That helps illustrate why you need to get rate quotes using your own driver and vehicle profiles.

Best car insurance company in Nebraska

Insuring your vehicle with a high-quality car insurance company is difficult considering how many different companies there are to choose from in Nebraska. The ranking data in the next section may help you decide which providers to look at when trying to find cheaper insurance for seniors.

The ratings below are only made up of companies who write in the majority of U.S. states, so companies with more of a regional focus will not be included in this list. To get price quotes from many more Nebraska auto insurance companies, click here.

Best 15 Car Insurance Companies for Seniors in Nebraska
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
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Data Source: Insure.com Best Car Insurance Companies

Bad driving habits will cost you more

The common sense way to enjoy the cheapest car insurance premiums for senior citizens is to drive carefully and not get tickets or have accidents. The example below demonstrates how citations and at-fault collisions impact car insurance costs for each different age category. The prices are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

In the example above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,798. Factor in two speeding tickets and the average cost surges to $2,404, an increase of $606 each year. Now include two accidents along with the two speeding tickets and the annual cost of car insurance for seniors jumps again to an average of $4,792. That’s an increase of $2,994, or $250 per month, just for not paying attention while driving!

The illustration below highlights how deductible choice can increase or decrease premium costs when researching cheap insurance for seniors. The data is based on a married male driver, full physical damage coverage, and no policy discounts are applied.

A 50-year-old driver could lower their policy premium by $210 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $316 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, have the ability to save as much as $694 annually by using higher deductibles when buying full coverage. When using a larger deductible, it will be necessary to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How to find cheaper insurance for seniors

It’s not impossible to find cheaper rates, and here are some of the better money-saving suggestions that can help you buy lower-cost coverage.

The last tip is very important, as was emphasized in this article. Coverage prices go up and down frequently, so don’t be hesitant to buy from a new company if a cheaper rate is available. Having a favorite company is great, but it isn’t a good idea if that loyalty results in overpaying money that could be spent on other things. In just a few minutes you could shop around to find cheaper insurance for seniors in Omaha.

The insurance agencies listed below can most likely help you determine which car insurance policy is best, as some people prefer to get some professional advice when shopping for the best coverage for senior citizens. It can be time-consuming to find coverage yourself, so insurance agents can add peace of mind knowing you have enough coverage when you need it.

To find an agent using an interactive map, click the button following the list.

American Family Insurance – Shane Boring Agency Inc.
16855 Q StOmaha, NE 68135(402) 932-5755

State Farm® insurance – Beau Iske
13829 Millard AveOmaha, NE 68137(402) 895-4424

American Family Insurance – Daniel Grzywa Agency Inc
8031 W Center Rd Ste 209Omaha, NE 68124(402) 391-6364

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