How Much are Car Insurance Quotes for State Employees in Omaha?

Trying to find budget insurance is not always easy, and determining which companies quote the cheapest insurance rates for state employees takes a little more work. Each insurance company has a different formula for establishing rates, so first let’s look at the rankings for the overall cheapest insurance companies in Omaha, NE.

Keep in mind that Nebraska insurance rates are impacted by many things which can substantially change the cost of coverage. This price variability is why Omaha drivers need to compare lots of rates when trying to find the most affordable car insurance rates for state employees. Prices are made up of many things and can change substantially, so the best option when you last compared rates may now be priced much higher than other options.

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Nebraska auto insurance company rankings
Rank Company Cost Per Year
1 Safeco $812
2 The Hartford $865
3 Auto-Owners $923
4 Allied $949
5 Farm Bureau Mutual $990
6 Farmers Mutual of Nebraska $1,009
7 Nationwide $1,037
8 American National $1,065
9 State Farm $1,075
10 General Casualty $1,081
11 USAA $1,116
12 American Family $1,246
13 Iowa Mutual $1,308
14 California Casualty $1,309
15 MetLife $1,319
16 EMC $1,340
17 GEICO $1,362
18 Progressive $1,402
19 Farmers $1,650
20 North Star $1,693
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Safeco may have some of the lowest car insurance rates in Omaha at around $812 each year. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual also qualify as some of the best Omaha, NE auto insurance companies.

In the rate table above, if you are a customer of Allied and switched to Safeco, you might achieve annual savings of in the vicinity of $137. Customers with Farm Bureau Mutual could save as much as $178 a year, and Farmers Mutual of Nebraska insureds might cut rates by $197 a year.

Remember that these rates are averages across all ages of drivers and types of vehicles and and are not calculated with an exact location for state employees. So the auto insurance company that fits you best may not even be in the top 24 companies in the list above. That’s why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

For state workers, one of the big components that are looked at to help calculate auto insurance rates is where your car is garaged in Omaha. Regions with larger populations or more claims will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.

The table below shows the most expensive areas in Nebraska for state employees to buy auto insurance in. Omaha is ranked at #10 with the annual price of $1,220 for the average policyholder, which is about $102 per month.

How much does car insurance cost in Omaha, NE?
Rank City Annual Premium
1 Scottsbluff $1,334
2 Lexington $1,303
3 Gering $1,303
4 Alliance $1,300
5 McCook $1,292
6 South Sioux City $1,264
7 Beatrice $1,259
8 North Platte $1,250
9 Seward $1,227
10 Omaha $1,220
11 Nebraska City $1,212
12 Kearney $1,200
13 Crete $1,198
14 Blair $1,188
15 York $1,180
16 Fremont $1,177
17 Grand Island $1,170
18 La Vista $1,162
19 Norfolk $1,159
20 Bellevue $1,155
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Information shown are approximated as specific Omaha zip code can increase or decrease auto insurance rates greatly.

Violations and accidents raise rates

The recommended way to earn low insurance rates in Nebraska for state workers is to be a good driver and avoid accidents and traffic violations. The example below demonstrates how citations and at-fault fender-benders impact premium costs for different age categories. The prices are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of car insurance in Nebraska per year with a clean driving record and no accidents is $1,806. Factor in two speeding tickets and the average cost hikes up to $2,576, an increase of $770 each year. Then include one accident along with the two speeding tickets and the yearly cost of insurance for state employees goes up to an average of $3,355. That’s an increase of $1,549, or $129 per month, just for not driving carefully!

Full coverage versus liability-only in Omaha

Paying less for insurance is probably important to the majority of people, and a great way to buy cheaper insurance for state employees is to not buy comprehensive and collision coverage. The example below compares annual premium costs with and without physical damage coverage. The premiums are based on no claims or driving citations, $100 deductibles, single marital status, and no other discounts are factored in.

Averaged for all age groups, full coverage costs $1,722 per year over and above liability only. Lot’s of drivers question when is it safe to stop buying full coverage. There is no clear-cut formula that is best for determining when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s claim settlement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $11,000 after paying your policy deductible. If premiums are more than $1,100 annually for physical damage coverage, then it may be the right time to buy liability only.

There are a few situations where only buying liability is not advised. If you still owe money on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

The diagram below shows how choosing a deductible can influence annual premium costs when quoting cheap insurance for state employees. The premium estimates are based on a married female driver, full coverage, and no discounts are factored in.

In the chart above, a 30-year-old driver could cut expenses by $286 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $430 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could save as much as $606 or more by using higher deductibles when buying full coverage.

When using a larger deductible, it will be important to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

The insurance agents in Omaha listed below can aid you in deciding which policy fits your needs best, as lots of people like to have professional advice when trying to find lower insurance rates for state employees. It can be challenging to find the best policy on your own, so a licensed agent can bring satisfaction knowing you have enough coverage when you need it. To locate an Omaha car insurance agency closest to you, click the button at the bottom.

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How to find more affordable car insurance for state employees

The list below details some of the recommended thrifty ideas that can help Nebraska drivers buy cheaper coverage.

The last suggestion is extraordinarily critical, as we discussed in the prior information. Rates vary greatly, so drivers shouldn’t hesitate to change to a new company if you find a better deal.

Staying with the same car insurance company is fine, but it’s not recommended if that devotion results in you overpaying thousands of dollars over the life of your policy. It only takes a couple minutes to compare rates to find cheaper insurance for state employees in Omaha.