Who Has the Cheapest Car Insurance for a 20 Year Old Female in Omaha?

The vehicle to be insured is one of the primary factors when looking for the lowest-priced insurance for 20 year old women. Vehicles with average performance, modern passenger safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models. The table below showcases insurance costs for some of the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in Omaha, NE
Make, Model, and Trim Level Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,083
Ford Escape XLT 2WD $2,090
Honda Accord LX 4-Dr Sedan $2,083
Honda CR-V EX 4WD $2,113
Toyota Prius $2,277
Ford Explorer XLT AWD $2,332
Toyota Tacoma 2WD $2,433
Ford Focus SE 4-Dr Sedan $2,442
Dodge Grand Caravan Hero $2,464
Chevrolet Silverado LT Extended Cab 4WD $2,471
Jeep Grand Cherokee Laredo 2WD $2,464
Toyota RAV4 Limited 2WD $2,474
Chevrolet Malibu Hybrid $2,464
Honda Civic VP 4-Dr Sedan $2,566
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $2,568
Toyota Camry SE $2,597
Chevrolet Impala LTZ $2,605
Ford Edge Limited AWD $2,597
Toyota Corolla XLE $2,604
Volkswagen Jetta SE 4-Dr Sedan $2,628
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Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in vehicle location which can decrease or increase insurance rates substantially.

Looking at the numbers, we can conclude that makes and models like the Hyundai Elantra, Ford Escape, and Honda Accord are most likely to be a few of the most affordable vehicles to insure for young women. Car insurance rates will tend to be more expensive anyway just because there is more risk for 20 year old women, but in general those makes and models will have the cheapest car insurance rates available.

Trying to find affordable car insurance is challenging, and finding out which company offers the cheapest auto insurance rates for 20 year old women involves even more rate comparisons.

Every insurance company has a unique approach for determining rates, so we need to take a look at the auto insurance companies with the overall best prices in Omaha. It’s important that you understand Omaha, NE auto insurance rates are impacted by many things that can increase the cost of coverage. That is why it is so important to perform an extensive rate comparison when trying to find the most economical auto insurance rates for 20 year old women. Prices are determined by many different factors and can change substantially, so the cheapest option a year ago may now be quite expensive.

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Safeco has some of the cheapest car insurance rates in Omaha at around $788 per year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also make the cut as some of the cheapest Omaha, NE car insurance companies.

In the above rates, if you have coverage with Auto-Owners and switched to Safeco, you could realize yearly savings of roughly $108. Customers with Allied may save as much as $161 a year, and Farmers Mutual of Nebraska customers might reduce prices by as much as $221 a year.

Be aware that those policy rates are averaged for all types of insureds and vehicles and are not factoring in an exact zip code location for 20 year old women. So the car insurance company that fits your age and vehicle best may not even be in the list above. That points out the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

One of the many criteria that help determine the cost of insurance is where you keep your car. Areas with a lot of weather claims or more people likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The information below lists the most expensive cities in Nebraska for 20 year old women in which to purchase auto insurance. Omaha is ranked #7 having an annual price of $1,257 for the average policyholder, which is approximately $105 monthly.

Car insurance prices in Omaha
Rank City Average Per Year
1 Alliance $1,340
2 Scottsbluff $1,334
3 McCook $1,318
4 Gering $1,317
5 North Platte $1,288
6 Lexington $1,264
7 Omaha $1,257
8 South Sioux City $1,251
9 Beatrice $1,235
10 Crete $1,234
11 Seward $1,227
12 Nebraska City $1,212
13 Blair $1,200
14 Hastings $1,193
15 Kearney $1,188
16 Fremont $1,166
17 Grand Island $1,158
18 York $1,156
19 Columbus $1,150
20 Bellevue $1,144
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Rates are approximated as the garaging address in Omaha can revise coverage prices substantially.

Which auto insurance company is best in Nebraska?

Picking a high-quality car insurance provider is difficult considering how many different companies sell coverage in Omaha. The rank data below may help you select which car insurance companies to look at when trying find the best insurance for 20 year old women.

The ratings below are only comprised of major nationwide insurance companies, so smaller companies that only insure vehicles in Nebraska will not be included in the list. If you’d like to compare prices from the most competitive companies in Nebraska, just click here.

Top 10 Large Auto Insurers 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

The information below shows how choosing a deductible can affect insurance costs when trying to find cheap insurance for 20 year old women. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could cut expenses by $250 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $378 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could roll back prices $834 annually just by choosing higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will be important to have enough spare savings to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

How to find budget-friendly insurance for 20 year old women

Below you’ll find some thrifty suggestions that can help drivers quote cheap auto insurance.

That last piece of advice is particularly valuable, as was emphasized in this write-up. Car insurance prices change frequently, so drivers shouldn’t be resistant to buy from a new company if you can find a cheaper rate. Being loyal to a particular company is commendable, but it isn’t a good idea if it’s costing you several hundred dollars every year. Spend a few minutes and compare rates to find cheaper insurance for 20 year old women in Omaha.

The agents shown below can provide answers to your questions and help you determine which coverage fits your budget, as lots of drivers aren’t clear which coverage they need and would like to have a little guidance when shopping for cheaper insurance for young women. It can be hard to find the cheapest rate yourself, and using a licensed agent can give comfort knowing your policy gives you decent coverage if you have a claim.

To locate an agency near you, click the button below the list.

Tom Kaspar – State Farm Insurance Agent
1722 N 120th StOmaha, NE 68154(402) 493-0101

Chastain-Otis Insurance and Financial Services
10822 Old Mill Rd #2Omaha, NE 68154(402) 397-2500

Tommy Hughes Jr – State Farm Insurance Agent
1321 Jones St #104Omaha, NE 68102(402) 346-1011

Anthony Anderson – State Farm Insurance Agent
11204 Davenport St #200Omaha, NE 68154(402) 393-0300

Omaha Division Insurance
14792 Ray Sapp DrOmaha, NE 68138(402) 334-7087

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