Who Has Cheap Omaha Auto Insurance Quotes for Used Cars?

Wouldn’t it be easy if we could tell you instantly that one perfect company that has the lowest car insurance rates for used cars? It’s not that easy, however, as there are a whole bunch of unknown aspects like if you own a home, how many years you have been driving, what coverage limits you need, and citations or tickets, that all impact the cost of your policy. Car insurance is kind of a dry topic, but this article will explain the best ways to find cheap auto insurance and will hopefully give the reader a good beginning to your quest for cheaper car insurance.

For pre-owned vehicles, one of the big factors that help determine the cost of insurance is where you call home in Omaha. More populated areas will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.

The following table shows the most costly cities in Nebraska for used cars to buy an auto insurance policy in. Omaha ranks #12 with an annual premium of $1,220 for the average insurance policy, which is about $102 per month.

Car insurance prices in Omaha
Rank City Premium Per Year
1 Alliance $1,340
2 Scottsbluff $1,334
3 Gering $1,317
4 South Sioux City $1,303
5 North Platte $1,301
6 McCook $1,279
7 Lexington $1,264
8 Beatrice $1,259
9 Crete $1,246
10 Seward $1,227
11 Nebraska City $1,224
12 Omaha $1,220
13 Kearney $1,188
14 Blair $1,188
15 Columbus $1,185
16 Norfolk $1,159
17 Hastings $1,158
18 Bellevue $1,155
19 La Vista $1,150
20 York $1,145
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Rates are estimated as the specific zip code location can influence coverage rates substantially.

Determining which insurers offer the lowest-priced insurance rates for used cars involves a tad more effort than just comparing a company or two. Each insurance company used slightly different criteria to determine rates, so we’ll go over the insurance companies with the most affordable rates in Omaha.

Best Insurance Companies for Used Cars

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Cheapest Nebraska car insurance ranked by price
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $847
3 Auto-Owners $896
4 Allied $921
5 Farm Bureau Mutual $980
6 Nationwide $997
7 Farmers Mutual of Nebraska $1,019
8 State Farm $1,033
9 American National $1,087
10 General Casualty $1,114
11 USAA $1,162
12 American Family $1,258
13 California Casualty $1,296
14 Iowa Mutual $1,308
15 EMC $1,314
16 MetLife $1,319
17 GEICO $1,362
18 Progressive $1,460
19 Farmers $1,634
20 North Star $1,659
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Safeco quotes some of the cheapest car insurance rates in Omaha at around $788 each year. This is $528 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are also some of the lowest-priced Omaha, NE car insurance companies.

In the rate table above, if you currently have coverage with Farm Bureau Mutual and switched to The Hartford, you might see an annual premium reduction of around $133. Drivers with Nationwide may save as much as $150 a year, and Farmers Mutual of Nebraska customers might reduce prices by as much as $172 a year.

It’s important to note that these policy rates are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for used cars. So the company that is best suited for you may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own individual information.

The vehicle model you are insuring is one of the biggest factors that determines if you can find the most economical car insurance for used cars. Vehicles with more horsepower, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than safer models. The table below estimates car insurance premiums for a handful of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Omaha, NE
Vehicle Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $1,024
Toyota RAV4 Limited 4WD $1,212
Toyota Corolla LE $1,274
Honda CR-V EX 4WD $1,286
Ford Escape Limited 2WD $1,292
Jeep Grand Cherokee Limited 2WD $1,297
Toyota Prius $1,307
Nissan Rogue SL 2WD $1,297
Hyundai Sonata GLS 4-Dr Sedan $1,303
Chevrolet Impala LS $1,364
Ford Edge SE AWD $1,372
Toyota Tacoma Double Cab 4WD $1,389
Ford Fusion S 4-Dr Sedan $1,397
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Above prices assume single female 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, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific Omaha, NE garaging location which can increase or decrease insurance rates considerably.

Looking at the data, we can presume that vehicles like the Honda Accord, Toyota RAV4, and Toyota Corolla are going to be the most economical vehicles to insure for pre-owned vehicles.

How to get discounts on Omaha insurance rates

Discounts on insurance for used carsInsurance providers that offer quotes for used cars may also give you price discounts that can reduce rates by 30% or more if you are eligible for them. The best insurance companies and a summarized list of policyholder discounts are outlined below.

The diagram below visualizes the comparison of yearly insurance costs with and without discounts applied to the premium. The premiums assume a female driver, no accidents or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, anti-theft, homeowner, vehicle safety, marriage, and safe-driver discounts applied. In this example, theaverage yearly reduction on insurance for used cars is 28% or $413.

The information below shows how choosing a deductible can affect annual premium costs when searching for cheap insurance for used cars. The costs are based on a married female driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could lower rates by $206 a year by increasing from a $100 deductible up to a $500 deductible, or save $310 by using a $1,000 deductible. Young drivers, like the Age 20 category, could save as much as $508 every year by choosing a larger deductible amount.

When choosing a higher deductible, it’s a good idea to have enough savings set aside to satisfy the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Here’s why price comparisons are so important

Nebraska insurance rates are influenced by many factors which can substantially change your annual premium. Simply having another birthday, having a claim, or getting a ticket for running a stop sign can trigger price changes that can now make some companies more affordable than before. Additionally, auto insurance companies change rates as often as every quarter to adjust for heavy claims or excess profits. A period of higher than normal claims can cause higher prices, while a lower level of claims may produce more affordable Omaha car insurance rates.

As an example, the graph below shows which companies have the cheapest car insurance in Omaha, NE for a 30-year-old male driver with no accidents or violations, and a decent credit rating. If we estimate prices based on his current rating profile, Safeco may have the lowest car insurance rates in Omaha at $932 a year. This is $384 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Farm Bureau Mutual are also included in the cheapest Omaha, NE auto insurance companies.

The chart below compares rates after we give the driver from the above example a claim, a lower credit rating, and a traffic ticket or two. Due to the fact that every insurance company has their own unique process for setting rates, getting updated rate quotes may now result in a slightly different list of affordable companies as shown below.

Farmers Mutual of Nebraska now has the best insurance rate in Omaha, NE with State Farm, American National, USAA, and General Casualty also being competitive. This example proves why it is critical to do a thorough rate comparison when trying to get the best insurance quotes for used cars.

Insurance rates can be altered by many different factors and change substantially, so the cheapest option three years ago may now be quite expensive.