Who Has Cheap Auto Insurance Quotes for Teenage Females in Omaha?

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.

Cheapest Vehicles to Insure in Omaha, NE
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
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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.

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Who has the cheapest car insurance in Nebraska?
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
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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.

Car insurance prices in Omaha
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
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Rate information is comparative as specific Omaha garaging address can influence auto insurance rates substantially.

Discount Omaha insurance

Discounts on insurance for teenage femalesInsurance 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.

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 #105Omaha, NE 68130(402) 330-9200

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

Southwell Insurance Agency, LLC.
2809 S 160th St #307Omaha, 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.

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.