The words “low-cost” and “insurance” really shouldn’t be used in the same sentence, in particular when shopping around for the cheapest auto insurance for 4×4 vehicles. Because it’s so expensive, let’s start the ball rolling by going over a few of the things that determine insurance prices, and find a way to lower the price of the next policy you buy.
Finding decent, affordable insurance is difficult, and deciding which company offers the lowest-priced auto insurance rates for 4×4 vehicles calls for even more diligence.
Every insurance company uses slightly different criteria for determining prices, so we need to take a look at the most affordable auto insurance companies in Omaha, NE. We do need to point out that Nebraska auto insurance rates are impacted by many things that can increase the cost of your policy. Simply having a birthday, adding a teenager to your policy, or getting into an accident may prompt premium changes that can make some companies more expensive than others.
Best Cheap Insurance Rates for 4×4’s
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $839 |
| 3 | Auto-Owners | $923 |
| 4 | Allied | $939 |
| 5 | Farmers Mutual of Nebraska | $979 |
| 6 | Nationwide | $997 |
| 7 | Farm Bureau Mutual | $1,020 |
| 8 | State Farm | $1,043 |
| 9 | American National | $1,098 |
| 10 | General Casualty | $1,125 |
| 11 | USAA | $1,150 |
| 12 | American Family | $1,258 |
| 13 | MetLife | $1,293 |
| 14 | EMC | $1,300 |
| 15 | California Casualty | $1,309 |
| 16 | GEICO | $1,322 |
| 17 | Iowa Mutual | $1,347 |
| 18 | Progressive | $1,445 |
| 19 | Farmers | $1,634 |
| 20 | North Star | $1,693 |
| Find Your Rate Go | ||
Safeco may have some of the best car insurance rates in Omaha at around $780 per year. This is $536 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the most economical Omaha, NE car insurance companies.
As illustrated above, if you currently buy coverage from Allied and switched to The Hartford, you may realize a yearly price reduction of in the vicinity of $100. Customers with Farmers Mutual of Nebraska might save as much as $140 a year, and Nationwide policyholders might see rate reductions of $158 a year.
Understand that those policy prices are averaged across all ages of drivers and types of vehicles and do not factor in a specific zip code for 4×4 vehicles. So the car insurance company that has the cheapest price for you may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.
For off-road vehicles, one of the more important considerations that are looked at to determine the annual cost of car insurance is where your car is garaged. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.
The following table lists the most expensive areas in Nebraska for 4×4 vehicles to buy an auto insurance policy in. Omaha is ranked #9 with the annual price of $1,257 for coverage, which is around $105 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Scottsbluff | $1,360 |
| 2 | Alliance | $1,354 |
| 3 | McCook | $1,331 |
| 4 | Gering | $1,317 |
| 5 | South Sioux City | $1,303 |
| 6 | Lexington | $1,277 |
| 7 | Beatrice | $1,272 |
| 8 | North Platte | $1,262 |
| 9 | Omaha | $1,257 |
| 10 | Blair | $1,236 |
| 11 | Seward | $1,215 |
| 12 | Crete | $1,210 |
| 13 | Kearney | $1,200 |
| 14 | Hastings | $1,182 |
| 15 | Bellevue | $1,179 |
| 16 | Fremont | $1,177 |
| 17 | Nebraska City | $1,176 |
| 18 | Columbus | $1,174 |
| 19 | Grand Island | $1,170 |
| 20 | La Vista | $1,162 |
| Find Cheaper Rates Go | ||
Information shown are approximated as the specific garaging location can alter auto insurance rates considerably.
The car, truck, or SUV you are trying to insure is probably the largest consideration when comparison shopping for the most affordable coverage for 4×4 vehicles. Vehicles with higher performance characteristics, a lack of modern safety features, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models. The next table presents auto insurance premiums for the most economical vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,103 |
| Honda Accord EX 4-Dr Sedan | $1,108 |
| Hyundai Elantra GLS Touring Station Wagon | $1,207 |
| Toyota Prius | $1,224 |
| Honda CR-V EX 2WD | $1,245 |
| Toyota RAV4 Limited 4WD | $1,307 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,345 |
| Dodge Grand Caravan CV | $1,352 |
| Toyota Camry SE | $1,378 |
| Honda Odyssey EX | $1,401 |
| Ford F-150 XL Super Cab 4WD | $1,404 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,456 |
| Chevrolet Equinox LT AWD | $1,472 |
| Chevrolet Malibu LS | $1,482 |
| Ford Focus SEL 4-Dr Sedan | $1,482 |
| Compare Cheap Rates Go | |
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in your specific Omaha, NE location which can alter premiums considerably.
Based upon the rates shown, vehicles like the Ford Escape, Honda Accord, Hyundai Elantra, Toyota Prius, and Honda CR-V are most likely going to be a few of the less-costly vehicles to insure for off-road vehicles.
Accidents and violations increase rates
The common sense way to get affordable auto insurance rates in Nebraska for off-road vehicles is to be a good driver and avoid getting tickets or having accidents. The example below highlights how speeding tickets and at-fault accidents can impact insurance prices for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
In the previous example, the average cost of an auto insurance policy per year with no accidents or violations is $1,798. Factor in one speeding ticket and the average cost surges to $2,039, an increase of $241 each year. Then include one accident along with the one speeding ticket and the yearly cost of auto insurance for 4×4 vehicles goes up to an average of $2,717. That’s an increase of $920, or $77 per month, just for not being a responsible driver!
Nebraska auto insurance companies
Picking the top company can be challenging considering how many different insurance companies sell coverage in Omaha. The company information in the lists below can help you decide which companies you want to consider when comparing rate quotes. These ratings only include companies that insure vehicles across America, so companies without a large exposure will not be included in this list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
If you would rather have professional advice when shopping around for cheaper insurance for off-road vehicles, the insurance agencies below can help you decide which auto insurance policy would work best for you.
To find an agent close to you, click the link at the bottom.
Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940
Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455
American Family Insurance – S De Los Reyes Agency Inc.
5052 S 108th St – Omaha, NE 68137 – (402) 339-9052
Find an Omaha, NE insurance agent near you
How to find low-cost auto insurance for 4×4 vehicles
It’s not impossible to find cheaper rates, and here are some of the better money-saving ideas that can help Nebraska drivers find low-cost coverage.
- Increase your credit rating
- You will pay more if you get tickets or have at-fault accidents
- Avoid price increases by not filing claims
- Prevent price hikes by avoiding at-fault accidents
- The safer your car, the less it costs to insure
- Look for cheaper rates once a year by shopping around
The last item on the list is highly significant, as we emphasized in the prior article. Insurance prices can be changed at any time, so don’t be tentative to change to a new company if you find a cheaper price. Sticking with a specific company is fine, but it’s not recommended if that faithfulness ends up costing you a small fortune year after year. Now is a great time to compare rates to find cheaper car insurance for 4×4 vehicles in Omaha.