The words “affordable” and “insurance” really shouldn’t be used in the same sentence, specifically when you are trying to find the best car insurance for handicapped drivers. To save some money, let’s familiarize you with some of the things that determine car insurance prices, and see if you can lower the price of the next policy you buy.
Deciphering which companies have the cheapest car insurance rates for handicapped drivers will take a tad more effort in order to find the best policy. Each company uses a little different formula for filing rates in each state, so let’s take a look at the lowest cost car insurance companies in Omaha.
Best Auto Insurance Prices in Nebraska
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $847 |
| 3 | Auto-Owners | $896 |
| 4 | Allied | $949 |
| 5 | Farm Bureau Mutual | $990 |
| 6 | Nationwide | $1,007 |
| 7 | Farmers Mutual of Nebraska | $1,019 |
| 8 | State Farm | $1,033 |
| 9 | American National | $1,054 |
| 10 | General Casualty | $1,114 |
| 11 | USAA | $1,162 |
| 12 | American Family | $1,246 |
| 13 | California Casualty | $1,270 |
| 14 | Iowa Mutual | $1,295 |
| 15 | EMC | $1,314 |
| 16 | MetLife | $1,332 |
| 17 | GEICO | $1,348 |
| 18 | Progressive | $1,460 |
| 19 | Farmers | $1,650 |
| 20 | North Star | $1,693 |
| Find Cheaper Rates Go | ||
Safeco normally has some of the most affordable car insurance rates in Omaha at around $780 annually. This is $536 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual also make the cut as some of the most economical Omaha, NE insurance companies.
As shown in the rates above, if you have coverage with Allied and switched to The Hartford, you could earn a yearly savings of upwards of $102. Insureds with Farm Bureau Mutual could save as much as $143 a year, and Nationwide customers might realize rate reductions of up to $160 a year.
Bear in mind that those prices are averages across all drivers and vehicles in Nebraska and are not factoring in a specific vehicle garaging location for handicapped drivers. So the company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That emphasizes why you need to quote rates from many companies using your own driver data and vehicle information.
The vehicle model that needs insurance is one of the largest considerations that determines if you can find economical auto insurance for handicapped drivers. Vehicles with economical engines, excellent safety ratings, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.
The information below presents auto insurance rates for the more affordable automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,234 |
| Honda Accord EX 4-Dr Sedan | $1,239 |
| Honda CR-V EX 2WD | $1,275 |
| Volkswagen Jetta S 4-Dr Sedan | $1,335 |
| Ford Escape Limited 4WD | $1,342 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,349 |
| Toyota Tacoma Double Cab 4WD | $1,361 |
| Ford Explorer Eddie Bauer AWD | $1,366 |
| Toyota Prius | $1,373 |
| Ford F-150 XLT Regular Cab 4WD | $1,378 |
| Toyota Corolla XLE | $1,406 |
| Nissan Rogue SL 2WD | $1,428 |
| Honda Odyssey EX | $1,436 |
| Chevrolet Impala LS | $1,428 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,433 |
| Jeep Grand Cherokee SRT-8 4WD | $1,439 |
| Toyota RAV4 Sport 4WD | $1,457 |
| Ford Edge SEL AWD | $1,469 |
| Dodge Grand Caravan Crew | $1,488 |
| Ford Focus SE 2-Dr Coupe | $1,500 |
| Dodge Ram 3500 Mega Cab Laramie 2WD | $1,555 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,559 |
| Chevrolet Equinox LTZ AWD | $1,569 |
| Start Your Quote Go | |
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can impact insurance rates noticeably.
By looking at the data, you can conclude that cars like the Hyundai Elantra, Honda Accord, Honda CR-V, Volkswagen Jetta, and Ford Escape are most likely going to be a few of the most affordable vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the largest components that help determine the price you pay for insurance is where you keep your car. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas that tend to be more rural benefit from having to pay less for coverage.
The information below rates the most expensive areas in Nebraska for handicapped drivers in which to buy car insurance. Omaha is ranked #12 costing $1,220 for car insurance, which is around $102 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Gering | $1,357 |
| 2 | Scottsbluff | $1,334 |
| 3 | McCook | $1,331 |
| 4 | South Sioux City | $1,303 |
| 5 | North Platte | $1,301 |
| 6 | Alliance | $1,300 |
| 7 | Lexington | $1,264 |
| 8 | Kearney | $1,236 |
| 9 | Blair | $1,236 |
| 10 | Nebraska City | $1,224 |
| 11 | Beatrice | $1,222 |
| 12 | Omaha | $1,220 |
| 13 | Crete | $1,210 |
| 14 | Seward | $1,191 |
| 15 | York | $1,191 |
| 16 | Columbus | $1,185 |
| 17 | Hastings | $1,182 |
| 18 | Bellevue | $1,179 |
| 19 | Grand Island | $1,170 |
| 20 | Fremont | $1,142 |
| Find the Best Rates Go | ||
Premium amounts are estimated as the specific Omaha residence address can affect prices noticeably.
The example below demonstrates how deductibles can influence insurance premiums when quoting cheap insurance for handicapped drivers. The costs are based on a married male driver, full coverage, and no discounts are applied.
A 40-year-old driver could lower rates by $282 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $424 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could drop their prices as much as $950 or more just by choosing higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Choosing a high-quality insurer can be difficult considering how many companies are available to choose from in Omaha. The information in the next section could help you choose which providers to look at comparing rate quotes with.
The ratings below are for companies who write in the majority of U.S. states, so companies without a large exposure will not be included in this list. To compare prices from the insurers below and more, simply click here.
Top 10 Large Auto Insurers in Omaha Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
- Nationwide
Top 10 Large Auto Insurers in Omaha Ranked by Customer Service
- State Farm
- Nationwide
- Safeco Insurance
- American Family
- Travelers
- Liberty Mutual
- GEICO
- Allstate
- The Hartford
- Farmers Insurance
How to find cheaper car insurance for handicapped drivers
The list below shows some of the recommended thrifty ideas that can help you find low-cost coverage.
- Do not insure for full coverage
- Vehicles with good safety ratings have lower liability rates
- Drivers with good credit often pay less
- Avoid getting citations and tickets
- Avoid at-fault accidents and claims
- Raise physical damage deductibles
- Comparison shop at least once a year
The last tip is extraordinarily important, as was pointed out in the article above. Insurance prices can change considerably based on profitability, so you should be ready to change to a new company if a better rate can be found.
Many consumers stick with the same company and that’s fine, but it’s not recommended if that devotion results in you overpaying a small fortune. It takes less than five minutes to compare prices and find cheaper auto insurance for handicapped drivers in Omaha.
If you aren’t sure which coverage you need and prefer to get some guidance when buying car insurance for drivers with handicaps, the agents shown below are a good start to help you decide which coverages and limits you need.
To locate an Omaha auto insurance agent close to where you live, click the button at the bottom of the list.
State Farm Insurance: Cory Juma
15665 Harrison St K – Omaha, NE 68136 – (402) 891-6161
Accredited Insurance Group, Inc.
11347 Davenport St – Omaha, NE 68154 – (402) 334-1780
Farmers Insurance – Lance Juett
2708 S 114th St – Omaha, NE 68144 – (402) 315-1554
Len Siedlik – State Farm Insurance Agent
12781 Q St – Omaha, NE 68137 – (402) 895-4446