Who Has Cheap Omaha Auto Insurance for Unemployed Drivers?

Wouldn’t it be great if we could just give you the name of the one best company that has the cheapest policy rates for unemployed drivers? It’s not quite that easy, unfortunately, as there are a whole slew of unknowns like whether you are single or married, the crime level of your neighborhood, and the deductible level you need, that all impact the cost of coverage. This article covers the best ways to avoid high prices and also should give you a good beginning to your quest for cheaper car insurance.

The make and model of vehicle that is being insured is a large factor when shopping around for the best cheap coverage for unemployed drivers. Vehicles with lots of speed or power, a lack of modern safety features, or an increased likelihood of liability claims will cost more to insure than more modest models.

The list below ranks car insurance premiums for a selection of the most economical vehicles to insure.

Cheapest Vehicles to Insure in Omaha, NE
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,207
Ford Edge SE 2WD $1,212
Ford F-150 XL Regular Cab 2WD $1,245
Ford Escape XLT 2WD $1,252
Chevrolet Impala LT $1,307
Chevrolet Malibu LS $1,313
Honda Accord EX-L 4-Dr Sedan $1,314
Toyota Tacoma Double Cab 4WD $1,333
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,345
Ford Explorer XLT 2WD $1,352
Toyota Prius $1,378
Nissan Rogue SL 2WD $1,401
Ford Focus SE 4-Dr Sedan $1,406
Chevrolet Equinox LTZ 2WD $1,404
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,409
Get a Custom Quote Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in your specific Omaha, NE location which can affect premiums considerably.

Looking at the numbers, we can infer that makes and models like the Honda CR-V, Ford Edge, and Ford F-150 are going to be the cheaper vehicles to insure for the unemployed.

Finding reliable, low-priced insurance is not easy, and finding out which company offers the cheapest car insurance rates for unemployed drivers takes even more work.

Each auto insurer uses a slightly different approach to set their prices, so let’s begin by examining the most competitive car insurance companies in Omaha. It’s important to understand that Nebraska car insurance rates are influenced by many factors that will increase or decrease the cost of your policy. That is why it is important to shop around to find the best car insurance quotes for unemployed drivers. Insurance rates are determined by many risk factors and can increase or decrease at any time, so the cheapest rate three years ago may now cost much more than other companies.

Find the Best Cheap Insurance for Job Seekers

Get a Free Quote and Save

What’s the cheapest car insurance in Nebraska?
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $873
3 Auto-Owners $923
4 Allied $939
5 Farm Bureau Mutual $1,010
6 Farmers Mutual of Nebraska $1,019
7 Nationwide $1,027
8 American National $1,054
9 State Farm $1,065
10 General Casualty $1,092
11 USAA $1,150
12 American Family $1,246
13 California Casualty $1,270
14 MetLife $1,280
15 EMC $1,300
16 GEICO $1,308
17 Iowa Mutual $1,347
18 Progressive $1,417
19 Farmers $1,586
20 North Star $1,642
Get a Custom Quote Go

Safeco offers some of the cheapest car insurance rates in Omaha at around $788 per year. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual also qualify as some of the more affordable Omaha, NE auto insurance companies.

In the rate table above, if you buy coverage from Auto-Owners and switched to Safeco, you could earn annual savings of upwards of $135. Drivers with Allied might save as much as $151 a year, and Farm Bureau Mutual policyholders might lower prices by up to $222 a year.

It’s important to note that these premiums are averaged across all insureds and vehicles and and are not calculated with a specific vehicle garaging location for unemployed drivers. So the car insurance company that fits your needs best may not even be in the list above. That is why you need to compare rates from multiple companies using your own specific driver and vehicle information.

One of the many criteria that help determine the annual cost of car insurance is your zip code. Cities with larger populations tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The next table ranks the highest-priced places in Nebraska for unemployed drivers to purchase car insurance in. Omaha ranks #12 with an annual premium of $1,220 for the average insurance policy, which is about $102 monthly.

How much is car insurance in Omaha?
Rank City Annual Premium
1 Gering $1,343
2 Alliance $1,340
3 Scottsbluff $1,320
4 Lexington $1,316
5 North Platte $1,301
6 McCook $1,292
7 South Sioux City $1,251
8 Crete $1,246
9 Kearney $1,236
10 Blair $1,236
11 Beatrice $1,235
12 Omaha $1,220
13 Seward $1,191
14 York $1,191
15 Nebraska City $1,188
16 Columbus $1,185
17 Hastings $1,182
18 Fremont $1,177
19 La Vista $1,150
20 Norfolk $1,147
Find Cheaper Insurance Go

Rate quotes are comparative as the specific zip code location can raise or lower coverage rates considerably.

Responsible drivers pay cheaper car insurance rates

In a perfect world, the best way to find the best car insurance rates for the unemployed is to be a good driver and avoid accidents and traffic violations. The information below illustrates how violations and at-fault collisions influence yearly insurance costs for different age categories. The costs are based on a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of auto insurance per year with no violations or accidents is $2,182. Add in two speeding tickets and the average cost hikes up to $2,938, an increase of $756 each year. Then include two accidents along with the two speeding tickets and the yearly cost of car insurance for unemployed drivers increases to an average of $5,644. That’s an increase of $3,462, or $289 per month, just for a couple of infractions!

Types of discounts on Omaha auto insurance

Cheaper Omaha, NE car insurance for the unemployedCar insurance companies that offer coverage for unemployed drivers may also provide premium discounts that can reduce rates by as much as 25% or more if you qualify for them. Companies and some of their more popular discounts are included below.

The illustration below illustrates the difference between car insurance rates with and without policy discounts. The rate quotes are based on a male driver, no accidents or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with vehicle safety, accident-free, multiple vehicle, defensive driving course, safe-driver, and anti-theft discounts applied. When discounts are factored in, theaverage amount saved on car insurance for unemployed drivers is 28% or $351.

The example below illustrates how your deductible choice can raise or lower insurance prices when getting quotes for cheap insurance for unemployed drivers. The premium estimates are based on a married male driver, comp and collision included, and no policy discounts are applied.

As shown above, a 30-year-old driver could lower rates by $232 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $352 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could shave up to $694 each year by using a higher deductible. If you do decide to increase your deductibles, it is essential to have additional funds in a savings account to pay the extra out-of-pocket expense that is associated with using high deductibles.