Who Has the Cheapest Auto Insurance Rates for Teachers in Omaha?

You’ve seen the captivating ads from insurers like Nationwide and State Farm that say if you switch you’ll get huge savings, so you should just choose the one with the most memorable commercial, right?

It’s just not that simple, as there are a whole slew of unknown elements like if you own your own home, the area you live in, and whether you are married or single, that all impact the price you pay. This article delves into the best ways to shop for cheaper coverage and also should give you a good beginning to your search for cheaper coverage.

The car, truck, or SUV on the policy is one of the largest factors when shopping around for cheap car insurance for teachers. Vehicles with high performance engines, a lack of safety features, or a history of substantial liability claims will cost more to insure than safer models.

The information below showcases coverage premiums for a handful of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Omaha, NE
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $1,204
Ford Focus S 4-Dr Sedan $1,209
Chevrolet Equinox LS 2WD $1,231
Jeep Grand Cherokee Laredo 4WD $1,236
Toyota RAV4 2WD $1,231
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,248
Ford Explorer Limited AWD $1,254
Dodge Grand Caravan SXT $1,260
Ford Escape Limited 4WD $1,268
Toyota Corolla S $1,298
Toyota Prius $1,300
GMC Sierra 2500HD SLE Crew Cab 4WD $1,321
Volkswagen Jetta 2.0T Station Wagon $1,337
Chevrolet Impala LS $1,353
Ford Edge SEL 2WD $1,363
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,374
Dodge Ram 2500 Crew Cab ST 2WD $1,408
Ford Fusion SEL AWD 4-Dr Sedan $1,411
Hyundai Elantra Blue 4-Dr Sedan $1,418
Honda Civic EX 4-Dr Sedan $1,428
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,431
Chevrolet Malibu LTZ $1,447
Honda Odyssey EX-L W/Navigation $1,454
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Data rating is 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 multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in your specific Omaha, NE location which can influence coverage prices greatly.

Based upon these rates, cars like the Honda CR-V, Ford Focus, and Chevrolet Equinox are most likely going to be some of the cheapest vehicles to insure for teachers and educators.

For teachers and educators, one of the largest considerations that are looked at to help calculate the amount you pay for auto insurance is your zip code in Omaha. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The next table ranks the highest-priced areas in Nebraska for teachers to purchase a policy in. Omaha is ranked #6 with the yearly price of $1,270 for the average insurance policy, which is around $106 monthly.

How much does car insurance cost in Omaha, NE?
Rank City Average Per Year
1 Scottsbluff $1,374
2 Gering $1,343
3 McCook $1,331
4 Alliance $1,300
5 Lexington $1,277
6 Omaha $1,270
7 North Platte $1,262
8 South Sioux City $1,251
9 Beatrice $1,222
10 Crete $1,210
11 Blair $1,200
12 Seward $1,191
13 Bellevue $1,190
14 Kearney $1,188
15 Nebraska City $1,188
16 Columbus $1,185
17 York $1,180
18 Fremont $1,166
19 Grand Island $1,158
20 Hastings $1,158
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Premium amounts are estimated as the vehicle garaging location can decrease or increase premiums greatly.

Determining which company offers the cheapest auto insurance rates for teachers takes a little more work in order to find coverage that fits your budget.

Every auto insurer has their own formula to set premium rates, so to begin we’ll rank the auto insurance companies that tend to have lower prices in Omaha, NE. It’s important to know that Nebraska auto insurance rates are based on many factors which can substantially change the cost of coverage. Simply getting older, buying a different vehicle, or getting a ticket for careless driving may cause policy rate changes that may make certain companies more affordable than others.

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What’s the cheapest car insurance in Nebraska?
Rank Company Cost Per Year
1 Safeco $780
2 The Hartford $839
3 Auto-Owners $896
4 Allied $939
5 Nationwide $997
6 Farmers Mutual of Nebraska $1,019
7 Farm Bureau Mutual $1,020
8 State Farm $1,033
9 American National $1,065
10 General Casualty $1,081
11 USAA $1,128
12 California Casualty $1,257
13 MetLife $1,280
14 American Family $1,296
15 EMC $1,314
16 Iowa Mutual $1,347
17 GEICO $1,362
18 Progressive $1,460
19 Farmers $1,586
20 North Star $1,693
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Safeco normally has some of the lowest car insurance rates in Omaha at around $780 annually. The Hartford, Auto-Owners, Allied, and Nationwide also make the cut as some of the cheaper Omaha, NE car insurance companies.

In this example, if you currently have a policy with Allied and switched to The Hartford, you might see a yearly price reduction of about $100. Customers with Nationwide might save as much as $158 a year, and Farmers Mutual of Nebraska customers might reduce rates by $180 a year.

To find out how much you can save, click here to get quotes or feel free to get quotes from the companies below.

These policy rates are averages across all insureds and vehicles and and are not calculated with a specific vehicle garaging location for teachers. So the car insurance company that has the cheapest rates for you may not even be in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own individual information.

Picking the best car insurance company is hard considering how many companies sell coverage in Omaha. The company ratings in the lists below can help you select which providers you want to consider shopping prices with. These rankings are only comprised of companies that insure vehicles across America, so smaller regional companies are not taken into consideration for the list.

Best 15 Auto Insurance Companies for Teachers in Nebraska
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
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Data Source: Insure.com Best Car Insurance Companies

Price comparison of only insuring for liability

Paying a lower price for auto insurance is important to most vehicle owners, and an easy way to reduce the cost of insurance for teachers is to only pay for liability coverage. The illustration below illustrates the difference between insurance costs with full coverage and liability only. The data assumes no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

On average, physical damage coverage costs an extra $2,305 per year more than just buying liability only. That is a large expense which might make you wonder if buying full coverage is a waste of money. There isn’t a written rule that works best for making the decision to drop full coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $3,500 after paying your deductible. If you are currently paying more than $350 a year for your policy with full coverage, then you may need to consider dropping full coverage.

The information below highlights how deductible choice can raise or lower annual premium costs when searching for cheap insurance for teachers. Data assumes a single female driver, comp and collision included, and no additional discounts are factored in.

The chart above illustrates that a 50-year-old driver could cut expenses by $322 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $484 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, could lower their rates $824 or more by choosing larger deductibles on their policy. When increasing deductibles, it will be necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

The insurance agencies below can probably help you make a decision which insurance coverage you need, since some drivers aren’t sure which coverage they need and prefer to get some professional input when comparing insurance rates for teachers. It’s not always easy to find coverage yourself, so getting professional guidance from a licensed agent can bring peace of mind knowing your policy gives you adequate coverage if you have an accident or claim.

To locate an Omaha insurance agent in your neighborhood, click the link at the bottom or click here to compare prices now.

Davis Companies
1313 Cuming St #200Omaha, NE 68102(402) 399-9090

Alvarez Insurance Agency
4629 S 23rd StOmaha, NE 68107(402) 733-1878

State Farm: Tom Rivera
3750 N 156th StOmaha, NE 68116(402) 965-8880

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