The words “economical” and “insurance” probably shouldn’t be used in the same sentence, in particular when searching for the best car insurance rates for teenage females. Because of the high cost, let’s start off by going over some things that have a considerable impact on insurance prices, and figure out some ideas to take a little off your next policy.
The vehicle driven is one of the primary factors when looking for the most affordable insurance for teenage females. Vehicles with limited speed and performance, advanced safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models.
The data below presents insurance costs for a number of the cheaper vehicles to insure in Nebraska.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $3,948 |
| Honda CR-V EX-L 2WD | $3,957 |
| Toyota Prius | $4,223 |
| Ford Edge SE 2WD | $4,367 |
| Ford Explorer XLT AWD | $4,403 |
| Toyota Tacoma 4WD | $4,411 |
| Toyota RAV4 Limited 2WD | $4,641 |
| Ford Fusion S 4-Dr Sedan | $4,647 |
| Chevrolet Silverado LS Extended Cab 4WD | $4,641 |
| Chevrolet Equinox LS 2WD | $4,647 |
| Nissan Altima 2.5 4-Dr Sedan | $4,641 |
| Dodge Grand Caravan SXT | $4,678 |
| Honda Civic EX 4-Dr Sedan | $4,844 |
| Chevrolet Impala LTZ | $4,880 |
| Toyota Corolla LE | $4,890 |
| Hyundai Elantra GLS 4-Dr Sedan | $4,880 |
| Toyota Camry XLE | $4,889 |
| Jeep Grand Cherokee Limited 2WD | $4,916 |
| Chevrolet Malibu LTZ | $4,924 |
| Volkswagen Jetta SE 4-Dr Sedan | $4,916 |
| Honda Odyssey Touring | $4,924 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $4,952 |
| Ford F-150 Lariat Crew Cab Harley 4WD | $4,959 |
| Compare Cheap Rates Go | |
Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in your specific Omaha, NE location which can modify prices greatly.
Based upon the table data, you can assume that makes and models like the Ford Escape, Honda CR-V, Toyota Prius, Ford Edge, and Ford Explorer will definitely be a few of the cheapest vehicles to insure for teen girls. Prices will be more costly just due to the fact that there is more claim risk for teenage females, but generally speaking those particular models will most likely have the lowest insurance prices compared to other vehicles.
Establishing which companies have the cheapest insurance rates for teenage females may require a bit more effort than just getting one or two price quotes. Every insurance company has their own formula to set their prices, so we will examine the insurance companies with the most affordable rates in Omaha.
We do need to point out that Omaha, NE insurance rates are based on many factors that control the policy price. Simply having another birthday, getting married, or getting a ticket for running a stop sign can cause premium changes that can now make some companies affordable when they were higher priced.
Find the Cheapest Auto Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $788 |
| 2 | The Hartford | $847 |
| 3 | Auto-Owners | $932 |
| 4 | Allied | $939 |
| 5 | Farmers Mutual of Nebraska | $979 |
| 6 | Farm Bureau Mutual | $980 |
| 7 | Nationwide | $1,007 |
| 8 | State Farm | $1,033 |
| 9 | American National | $1,065 |
| 10 | General Casualty | $1,081 |
| 11 | USAA | $1,150 |
| 12 | California Casualty | $1,270 |
| 13 | American Family | $1,296 |
| 14 | GEICO | $1,308 |
| 15 | Iowa Mutual | $1,308 |
| 16 | MetLife | $1,332 |
| 17 | EMC | $1,340 |
| 18 | Progressive | $1,417 |
| 19 | Farmers | $1,602 |
| 20 | North Star | $1,710 |
| View More Rates Go | ||
Safeco quotes some of the most affordable car insurance rates in Omaha at around $788 per year. This is $528 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also make the cut as some of the lowest-priced Omaha, NE car insurance companies.
As shown above, if you are a policyholder with Allied and switched to Safeco, you may realize a yearly savings of about $151. Policyholders with Farmers Mutual of Nebraska could save as much as $191 a year, and Farm Bureau Mutual insureds might lower prices by $192 a year.
To find the cheapest rates for your vehicle, click here to begin a quote or click through to the companies below.
Remember that these rates are averaged across all insureds and vehicles and and are not figured with a specific zip code for teenage females. So the insurer that has the cheapest price for you may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
For teen girls, one of the big things that help determine the price you pay for insurance is where you choose to live. Regions with larger populations or more claims will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.
The following table sorts the most costly cities in Nebraska for teenage females to buy car insurance in. Omaha comes in at #8 with an annual rate of $1,233 for car insurance, which is approximately $103 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,374 |
| 2 | Gering | $1,357 |
| 3 | McCook | $1,331 |
| 4 | Alliance | $1,314 |
| 5 | Lexington | $1,303 |
| 6 | North Platte | $1,301 |
| 7 | South Sioux City | $1,264 |
| 8 | Omaha | $1,233 |
| 9 | Nebraska City | $1,224 |
| 10 | Beatrice | $1,222 |
| 11 | Crete | $1,210 |
| 12 | Blair | $1,200 |
| 13 | Kearney | $1,200 |
| 14 | Seward | $1,191 |
| 15 | York | $1,180 |
| 16 | Bellevue | $1,155 |
| 17 | Columbus | $1,150 |
| 18 | Hastings | $1,147 |
| 19 | Fremont | $1,142 |
| 20 | La Vista | $1,128 |
| Start a Quote Go | ||
Rate information is comparative as specific Omaha garaging address can influence auto insurance rates substantially.
Discount Omaha insurance
Insurance companies that provide coverage for teenage females may provide special discounts that may potentially lower prices by as much as 40% or more if you qualify for them. A few of the larger companies and some of the discounts can be found below.
- GEICO includes discounts for seat belt use, multi-policy, membership and employees, daytime running lights, air bags, and anti-theft.
- Auto-Owners Insurance may offer discounts for anti-lock brakes, group or association, anti-theft, safe driver, and multi-policy.
- American Family may have discounts that include air bags, good student, mySafetyValet, good driver, accident-free, defensive driver, and TimeAway discount.
- Esurance discounts include emergency road assistance, safety device, online quote, homeowner, claim free, and online shopper.
- Progressive has savings for multi-vehicle, online quote discount, multi-policy, online signing, and continuous coverage.
- State Farm offers premium reductions for passive restraint, good driver, defensive driving training, student away at school, and accident-free.
- AAA offers discounts including education and occupation, good driver, AAA membership discount, anti-theft, multi-car, and good student.
The information below illustrates the difference between premium costs with and without discounts applied. The data is based on a female driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, vehicle safety, paid-in-full, continuous coverage, good student, and anti-theft discounts applied. With discounts applied, theaverage yearly reduction on insurance for teenage females is 28% or $638.
Drive safe and save
One of the best ways to find the cheapest insurance rates in Nebraska for teen girls is to be an attentive driver and not get tickets or have accidents. The diagram below highlights how traffic violations and fender-benders can increase annual premium costs for different categories of driver ages. The premiums assume a married male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
The chart shows that the average cost of auto insurance per year with a clean driving record and no accidents is $1,472. Factor in two speeding tickets and the average cost surges to $2,034, an increase of $561 each year. Now add in one accident along with the two speeding tickets and the yearly cost of insurance for teenage females increases to an average of $2,597. That’s an increase of $1,124, or $94 per month, just for not keeping your driving record clean!
If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when comparing insurance rates for teenage females, the professional agents shown below can help you determine which policy fits your needs best.
To locate an Omaha insurance agent nearest to you, click the button below the list or click here to compare prices now.
Steve Skidmore – State Farm Insurance Agent
17525 Gold Plaza #105 – Omaha, NE 68130 – (402) 330-9200
American Family Insurance – Daniel Grzywa Agency Inc
8031 W Center Rd Ste 209 – Omaha, NE 68124 – (402) 391-6364
Southwell Insurance Agency, LLC.
2809 S 160th St #307 – Omaha, NE 68130 – (402) 493-6940
View map of Omaha, NE insurance agents
How to find low-cost auto insurance for teenage females
The list below details a few money-saving suggestions that can help drivers locate cheap auto insurance.
- Good credit can help you save money
- Avoid getting tickets or violations
- Maintain a safe distance and avoid accidents
- Buying home and auto insurance together can earn discounts
- Discounts for being claim-free can be substantial
- Increase your comprehensive and collision deductibles
- Shop around for cheaper prices
That last idea is remarkably important, as was stressed in this article. Prices charged by car insurance companies in Omaha can be changed at any time, so drivers shouldn’t be resistant to change insurance companies if a better deal can be had.
Having a favorite company is great, but we do not recommend it if your bullheadedness ends up costing you lots of money. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for teenage females.