Who Has the Cheapest Car Insurance for Police Officers in Omaha?

Wouldn’t this article be short if we could just give you the name of the one perfect auto insurance company that has the cheapest rates for police officers? Unfortunately, it’s just not that easy, as there are a whole bunch of unknown aspects such as the safety ratings of your vehicle, the area where you live, if you are a homeowner, and the number of miles you drive each year, that all help calculate your car insurance rates. The content below will cover the causes of high insurance rates and will give you a good start in finding the cheapest insurance.

For law enforcement personnel, one of the more important considerations that determine the amount you pay each year for auto insurance is the neighborhood you call home in Omaha. More densely populated places will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.

The following table rates the highest-priced places in Nebraska for police officers in which to purchase auto insurance. Omaha shows up at #9 costing $1,270 for the average insurance policy, which is approximately $106 each month.

How much does car insurance cost in Omaha, NE?
Rank City Premium Per Year
1 Scottsbluff $1,374
2 McCook $1,331
3 Gering $1,317
4 Lexington $1,316
5 Alliance $1,314
6 South Sioux City $1,303
7 North Platte $1,288
8 Beatrice $1,272
9 Omaha $1,270
10 Kearney $1,236
11 Blair $1,224
12 Crete $1,210
13 Seward $1,191
14 Nebraska City $1,188
15 York $1,180
16 Fremont $1,177
17 Columbus $1,174
18 Grand Island $1,170
19 La Vista $1,162
20 Norfolk $1,159
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Premium costs are approximated as specific Omaha garaging address can modify premium rates greatly.

The type of vehicle you are buying coverage for is one of the largest considerations when comparing the lowest-priced auto insurance for police officers. Vehicles with higher performance, poor safety ratings, or high incidents of liability claims will cost significantly more to insure than safer models. The information below presents insurance rates for a selection of the more affordable vehicles to insure in Nebraska.

Cheapest Vehicles to Insure in Omaha, NE
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,134
Honda CR-V EX-L 4WD $1,139
Ford Explorer XLT AWD $1,246
Honda Accord LX-P 4-Dr Sedan $1,272
Chevrolet Impala LS $1,287
Honda Odyssey EX $1,297
Toyota RAV4 Limited 2WD $1,313
Honda Civic LX-S 4-Dr Sedan $1,356
Hyundai Elantra SE 4-Dr Sedan $1,382
Hyundai Sonata GLS 4-Dr Sedan $1,406
Toyota Prius $1,415
Nissan Altima Hybrid 4-Dr Sedan $1,409
Ford Fusion SEL 4-Dr Sedan $1,417
Jeep Grand Cherokee Limited 4WD $1,409
Ford Focus S 4-Dr Sedan $1,478
Chevrolet Silverado LS Crew Cab 2WD $1,502
GMC Sierra SLE Regular Cab 2WD $1,507
Dodge Ram Crew Cab Laramie 2WD $1,526
Dodge Ram 2500 Crew Cab Laramie 4WD $1,534
Toyota Tacoma 2WD $1,579
Volkswagen Jetta SE 2.5 Station Wagon $1,600
Dodge Grand Caravan Hero $1,612
Chevrolet Equinox LT 2WD $1,620
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in specific location which can modify price quotes substantially.

Based upon the rates shown, you can figure that models like the Ford Escape, Honda CR-V, Ford Explorer, and Honda Accord will be a few of the most affordable vehicles to insure for law enforcement personnel.

Finding decent, budget insurance is not the easiest thing to accomplish, and figuring out which insurers offer the most affordable car insurance rates for police officers involves even more rate comparisons. Each insurer uses a little different formula to set policy rates, so first we will examine the most budget-friendly car insurance companies in Omaha.

It’s a good idea to be aware that Nebraska car insurance rates are based on many factors that will increase or decrease the policy price. Improving your financial situation, buying higher coverage limits, or getting a ticket for running a stop sign may prompt premium changes that can now make some companies more expensive than competitors.

Lowest Insurance Price Quotes for Law Enforcement

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Safeco generally has some of the most affordable car insurance rates in Omaha at around $780 each year. This is $536 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also some of the cheaper Omaha, NE auto insurance companies.

As shown in the table above, if you have coverage with Allied and switched to Safeco, you could earn a yearly savings of in the neighborhood of $159. Insureds with Farmers Mutual of Nebraska might save as much as $199 a year, and Nationwide policyholders might reduce prices by as much as $217 a year.

Bear in mind that those premiums are averages across all drivers and vehicles in Nebraska and do not take into consideration an exact location for police officers. So the auto insurance company that is best suited for you may not even be in the top 24 companies shown above. That helps illustrate why you need to compare as many prices as possible using your own individual information.

Comparison of full coverage and liability-only policies

Reducing premiums for car insurance is probably important to most vehicle owners, and an easy way to find cheap insurance for police officers is to not pay for full coverage. The information below compares insurance prices with full coverage compared to only the Nebraska minimum liability coverage. The premiums assume no claims or violations, $250 deductibles, drivers are not married, and no discounts are factored in.

Averaged for all age groups, comp and collision coverage costs an extra $2,107 per year more than insuring for liability only. That is a large expense and it proposes the question when is it a good idea to stop buying full coverage. There is no set guideline of when to stop paying for physical damage coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after the policy deductible has been paid. If you are paying more than $300 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not a good idea. If you still owe money on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

The chart below illustrates how your deductible choice can increase or decrease insurance premiums when quoting cheap insurance for police officers. The premiums assume a married male driver, comp and collision included, and no discounts are applied.

The data above shows that a 40-year-old driver could lower their policy premium by $210 a year by switching from a $100 deductible up to a $500 deductible, or save $316 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, can cut up to $694 or more by selecting a higher deductible. When using a larger deductible, it will be required to have additional savings on hand to cover the extra out-of-pocket expense associated with higher deductibles.

How to find economical car insurance for police officers

Below you’ll find some thrifty ideas that can help Nebraska drivers locate cheap car insurance.

The last tip in the list is incredibly crucial, as was emphasized in the article above. Auto insurance rates can change considerably in a year, so drivers shouldn’t be reluctant to buy a different policy if you find a better deal. Sticking with a specific company is fine, but is isn’t recommended if that stubbornness costs you major coinage every year. Spend a few minutes and compare rates to find cheaper auto insurance for police officers in Omaha.