Who Has the Cheapest Auto Insurance for Welfare Recipients in Omaha?

The type of vehicle on the policy is one of the largest considerations when shopping around for the most economical insurance for welfare recipients. Vehicles with economical engines, advanced safety features, or a positive history of liability claims will cost substantially less to insure than higher performance models.

The information below features auto insurance premiums for the more affordable vehicles to insure.

Cheapest Vehicles to Insure in Omaha, NE
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord EX-L 4-Dr Sedan $1,063
Ford F-150 STX Regular Cab 2WD $1,072
Toyota Prius $1,085
Honda CR-V EX 2WD $1,101
Ford Escape XLT 2WD $1,110
Chevrolet Impala LS $1,134
Ford Explorer Limited 4WD $1,177
Hyundai Elantra SE Touring Station Wagon $1,192
Jeep Wrangler Sahara 4WD 2-Dr $1,194
Dodge Grand Caravan SE $1,199
Honda Odyssey EX-L W/Rear Entertainment $1,217
Hyundai Sonata GLS 4-Dr Sedan $1,239
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,245
Toyota Tacoma 2WD $1,239
GMC Sierra 3500HD SLT Extended Cab 2WD $1,261
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can change prices substantially.

Based upon the rates shown, we can expect makes and models like the Honda Accord, Ford F-150, Toyota Prius, and Honda CR-V are the less-costly vehicles to insure for drivers on welfare.

Buying reasonably-priced auto insurance is not the easiest thing to do, and determining which company quotes the cheapest insurance rates for welfare recipients takes even more perseverance.

Every insurance provider has their own formula to set their prices, so we’ll take a look at the overall cheapest insurance companies in Nebraska. It’s important that readers know that Nebraska insurance rates are impacted by many factors which can substantially decrease or increase the cost of having a policy. This price variability is why it is critical to shop around to get cheap insurance rates for welfare recipients. Car insurance prices can be altered by many things and change dramatically, so the cheapest rate when you last compared rates may now be quite expensive.

Find Cheaper Auto Insurance in Nebraska

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Cheapest Nebraska auto insurance companies
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $839
3 Allied $911
4 Auto-Owners $932
5 Farm Bureau Mutual $980
6 Farmers Mutual of Nebraska $989
7 Nationwide $1,027
8 American National $1,054
9 State Farm $1,065
10 General Casualty $1,081
11 USAA $1,150
12 American Family $1,246
13 California Casualty $1,270
14 MetLife $1,293
15 Iowa Mutual $1,347
16 GEICO $1,348
17 EMC $1,354
18 Progressive $1,445
19 Farmers $1,650
20 North Star $1,659
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Safeco normally has some of the cheapest car insurance rates in Omaha at around $788 annually. The Hartford, Allied, Auto-Owners, and Farm Bureau Mutual would also make the list of some of the more affordable Omaha, NE auto insurance companies.

As shown in the table above, if you are currently insured with Farm Bureau Mutual and switched to The Hartford, you may realize yearly savings of around $141. Insureds with Farmers Mutual of Nebraska might save as much as $150 a year, and Nationwide policyholders might realize rate reductions of up to $188 a year.

These prices are averages for all types of drivers and the different vehicles they drive and and are not figured with an exact location for welfare recipients. So the company that fits your age and vehicle best may not even be in the top 24 companies shown above. That is why you need to compare rates from multiple companies using your own personal information and vehicle type.

Get discount Omaha car insurance rates

Cheaper Omaha, NE insurance for drivers on welfareInsurance providers that offer cheap quotes for welfare recipients may additionally offer premium discounts that could lower prices by 40% or more if you are eligible. A few popular companies and some of their more popular discounts are detailed below.

The illustration below shows the comparison of insurance premiums with and without discounts applied to the premium. The prices are based on a female driver, no accidents, no driving violations, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, marriage, passive restraint, multiple policy, vehicle safety, and homeowner discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for welfare recipients is 28% or $449.

Buying coverage from the best auto insurance company can be a challenge considering how many different companies sell coverage in Omaha. The ranking data shown below may help you analyze which car insurance providers to look at when looking for cheaper rates.

These rankings are only made up of large nationwide companies, so companies that have a smaller presence are not taken into consideration for this list. To get price quotes from the most competitive companies in Nebraska, click this link.

Top 10 Major Auto Insurance Providers in Omaha Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. The Hartford
  10. Farmers Insurance

Top 10 Major Auto Insurance Providers in Omaha Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Liberty Mutual
  5. State Farm
  6. Allstate
  7. Safeco Insurance
  8. Travelers
  9. 21st Century
  10. Nationwide

A good deal can quickly turn bad

Nebraska insurance rates are influenced by many factors which can substantially change the cost of your policy. Simply improving your credit, buying a different vehicle, or getting a driving violation can cause premium changes that can now make some companies cheaper than before. Additionally, auto insurance companies change the rates they charge in Nebraska multiple times each year to adjust for heavy claims or excess profits. A period of higher than normal claims can cause rate hikes, while less frequent claims can cause cheaper Omaha car insurance rates.

The graph below shows rates for the cheapest car insurance in Omaha, NE for a 30-year-old male driver with a good driving record, no prior claims, and a good credit history. If we estimate rates based on his current risk profile, Safeco has the cheapest car insurance rates in Omaha at $869 each year. This is $447 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska round out the rest of the cheapest Omaha, NE auto insurance companies.

The example below compares rates after we give the driver from the first rate comparison an accident claim, bad credit, and a couple of points charged on his driving record. Due to the fact that each insurance company has a unique formula to establish rates, getting updated rate quotes may now result in a different set of the cheapest car insurance companies in Omaha as shown below.

Nationwide now has the cheapest car insurance in Omaha, NE with State Farm, General Casualty, American National, and USAA now being in the top five. This example proves why Omaha drivers need to compare rates when trying to find affordable insurance rates for welfare recipients.

Auto insurance prices are impacted by many risk factors and can change substantially, so the lowest-price company a year ago may now be quite expensive.