Best Cheap Auto Insurance In Omaha: Save Money

Finding the best and cheapest auto insurance in Omaha, Nebraska can be a challenging task. Several factors, including age, driving history, credit score, and ZIP code, influence the cost of car insurance. The average cost of full-coverage car insurance in Omaha is $1,573 per year, but rates vary significantly among insurance providers. It is essential to shop around and compare quotes from multiple companies to find the most affordable option. Some of the cheapest car insurance companies in Omaha include Auto-Owners, American National, and Farmers Mutual of Nebraska. These companies offer competitive rates and various discounts to help lower premiums. When looking for cheap car insurance in Omaha, it is also essential to consider the level of coverage needed and ensure it meets the minimum requirements set by the state of Nebraska.

Best cheap car insurance companies in Omaha

Omaha drivers are legally required to carry liability insurance and uninsured/underinsured motorist coverage. The cheapest car insurance companies in Omaha are Auto-Owners, American National, and Farmers Mutual of Nebraska.

Auto-Owners

Auto-Owners is a regional carrier that offers Omaha's cheapest liability-only and full-coverage auto insurance. It also has good discounts and optional coverage, such as gap insurance and roadside service. However, Auto-Owners is only available in 26 states.

American National

American National is the cheapest option for minimum coverage and full coverage, as well as for military personnel and drivers with offences. It also has excellent customer satisfaction and offers early signing discounts.

Farmers Mutual of Nebraska

Farmers Mutual of Nebraska has the best rates for full coverage and liability-only insurance in Omaha. It also has the best rates for drivers with poor credit, speeding tickets, and at-fault accidents.

Cheapest car insurance for drivers with an incident

Incidents on your driving record will cause insurers to view you as a higher risk and raise your rates. However, if you have an incident on your record, there are still some insurers in Omaha that can offer you affordable car insurance.

According to ValuePenguin, Farmers Mutual of Omaha and American Family have the best car insurance rates after an incident like an at-fault crash or a DUI.

Farmers Mutual of Omaha is the cheapest option for drivers with an at-fault accident on their record, charging $133 per month on average, which is 41% less than the Omaha average.

For drivers with a DUI on their record, American Family offers the best rates, with an average monthly cost of $135. State Farm is also a good option, with an average monthly rate of $145.

MoneyGeek also found that American National offers the cheapest car insurance in Omaha for drivers with a speeding ticket, at-fault accident, or DUI on their record.

Cheapest car insurance for drivers with a DUI

If you have a DUI on your record, you'll likely see your insurance rates go up. A DUI is considered a misdemeanor in most states and can result in serious consequences, including fines and jail time. Insurance companies view drivers with a DUI as high-risk and will adjust their rates accordingly.

According to MoneyGeek, American National offers the cheapest car insurance in Omaha, Nebraska, for drivers with a DUI. The annual premium for full coverage is $694. This rate is significantly higher than American National's rates for drivers with a clean record.

Other insurance companies that offer relatively affordable rates for drivers with a DUI in Omaha include:

• American Family: $135 per month
• State Farm: $145 per month

It's important to note that rates may vary based on other factors such as age, gender, driving history, and credit score. Additionally, insurance companies may deny coverage to high-risk drivers, so it's essential to compare quotes from multiple insurers to find the best rate.

Cheapest car insurance for seniors

According to US News, seniors in Omaha, defined as married 60-year-olds, pay an annual average of over $1,400 for car insurance. Senior women pay, on average, $1,429, while senior men pay an average of $1,442.

USAA has the cheapest rates, with an annual average of $953 for senior women and $952 for senior men. Auto-Owners Insurance has the second-cheapest rates in this category, with an annual average rate of $980 for both women and men. Farmers has the highest average rates for Omaha seniors, according to the same source: $1,969 per year for women and $2,136 for men.

Bankrate and NerdWallet also suggest USAA as the cheapest option for car insurance in Omaha, but it is only available to current and former members of the military and their families.

According to Bankrate, Auto-Owners Insurance is the second-cheapest option in Omaha, with an average annual rate of $1,195. However, NerdWallet suggests that American National offers the cheapest minimum coverage auto insurance in Omaha, Nebraska.

Cheapest car insurance for teens

According to MoneyGeek, Allstate offers the cheapest car insurance for teens in Omaha, at $2,214 per year for both boys and girls. Auto-Owners Insurance is a close second, at $2,517 per year for girls and $2,710 per year for boys.

It's worth noting that if teenagers purchase their own insurance, the cost of the policy will be significantly higher. An individual policy for a teen boy in Omaha would cost around $3,008 more than adding the teen to a family plan.

Therefore, by comparing insurance rates, families can find the cheapest auto insurance for teens and save money.

Frequently asked questions