This would be a real easy article to write if we could simply tell you the single best company that has the lowest rates in Nebraska. It’s just not that easy, however, as there are a lot of unknown factors like how experienced of a driver you are, any driving violations you may have, and where you live, that all impact the price you pay. This article covers the best ways to shop for cheaper coverage and will hopefully give you a good beginning to your quest for cheaper car insurance in Nebraska.
The car, truck, or SUV requiring coverage is probably the most important factor when trying to find affordable car insurance for drivers with accidents. Vehicles with high performance features, poor safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The information below features coverage costs for a number of the most affordable automobiles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $2,480 |
| Honda CR-V LX 2WD | $2,488 |
| Ford Escape XLT 4WD | $2,511 |
| Toyota Prius | $2,514 |
| Jeep Wrangler Sahara 4WD 2-Dr | $2,605 |
| Ford Focus SE 4-Dr Sedan | $2,716 |
| Jeep Grand Cherokee Laredo 4WD | $2,745 |
| Chevrolet Impala LT | $2,750 |
| Toyota Camry LE | $2,745 |
| Ford Edge SE 2WD | $2,754 |
| Honda Odyssey Touring | $2,917 |
| Honda Civic Hybrid 4-Dr Sedan | $2,922 |
| Toyota RAV4 Limited 2WD | $2,937 |
| Ford Fusion S 4-Dr Sedan | $2,945 |
| Chevrolet Malibu Hybrid | $2,937 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $2,946 |
| Kia Optima LX | $2,968 |
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Data rating is based on single female driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Table data does not factor in Omaha, NE location which can revise price quotes greatly.
Looking at the data, you can conclude that models like the Hyundai Elantra, Honda CR-V, Ford Escape, Toyota Prius, and Jeep Wrangler will be a few of the most economical vehicles to insure for drivers with at-fault accidents. The price for car insurance will tend to be more expensive anyway just due to the fact that there is a higher risk for drivers with accidents, but generally speaking those vehicles will have the cheapest car insurance rates available.
Deciding which insurers offer the best auto insurance rates for drivers with accidents may require a bit more effort in order to find the lowest price quote.
Each auto insurer uses their own formula for setting rates, so let’s look at the rankings for the most competitive auto insurance companies in Omaha. It’s a good idea to know that Nebraska auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of your policy. Improving your credit score, filing a claim, or getting a couple of tickets can trigger price changes that can now make some companies more affordable than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $839 |
| 3 | Auto-Owners | $905 |
| 4 | Allied | $949 |
| 5 | Farmers Mutual of Nebraska | $979 |
| 6 | Farm Bureau Mutual | $1,010 |
| 7 | Nationwide | $1,037 |
| 8 | American National | $1,054 |
| 9 | State Farm | $1,065 |
| 10 | USAA | $1,116 |
| 11 | General Casualty | $1,125 |
| 12 | MetLife | $1,293 |
| 13 | Iowa Mutual | $1,295 |
| 14 | California Casualty | $1,296 |
| 15 | American Family | $1,296 |
| 16 | EMC | $1,354 |
| 17 | GEICO | $1,362 |
| 18 | Progressive | $1,445 |
| 19 | Farmers | $1,650 |
| 20 | North Star | $1,659 |
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Safeco has some of the most affordable car insurance rates in Omaha at around $780 a year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the cheaper Omaha, NE car insurance companies.
As shown above, if you are currently insured with Auto-Owners and switched to Safeco, you might achieve an annual premium reduction of upwards of $125. Customers with Allied may save as much as $169 a year, and Farmers Mutual of Nebraska customers might reduce prices by as much as $199 a year.
Understand that those estimates are averaged for all insureds and vehicles and do not take into consideration a specific vehicle garaging location for drivers with accidents. So the company that fits your situation best may not even be in the top 24 companies shown above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
For drivers with at-fault accidents, one of the more important criteria that determine the annual cost of car insurance is where you keep your car. Cities with more crime and/or more people tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The following table ranks the priciest cities in Nebraska for drivers with accidents to buy car insurance in. Omaha makes the list at #10 with a yearly cost of $1,233 for car insurance, which is approximately $103 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Scottsbluff | $1,360 |
| 2 | Gering | $1,357 |
| 3 | Alliance | $1,340 |
| 4 | North Platte | $1,301 |
| 5 | McCook | $1,292 |
| 6 | South Sioux City | $1,290 |
| 7 | Beatrice | $1,272 |
| 8 | Lexington | $1,264 |
| 9 | Kearney | $1,236 |
| 10 | Omaha | $1,233 |
| 11 | Blair | $1,200 |
| 12 | Crete | $1,198 |
| 13 | Hastings | $1,193 |
| 14 | Bellevue | $1,190 |
| 15 | Nebraska City | $1,188 |
| 16 | Columbus | $1,185 |
| 17 | Seward | $1,179 |
| 18 | Fremont | $1,177 |
| 19 | Norfolk | $1,159 |
| 20 | York | $1,156 |
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Rate quotes are estimated as vehicle location can change auto insurance rates noticeably.
Accidents and violations increase rates
A great way to obtain cheap auto insurance premiums in Nebraska for drivers with at-fault accidents is to drive cautiously and avoid traffic citations and accidents. The information below shows how violations and at-fault fender-benders impact car insurance costs for each different age group. The data is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,605. Receive two speeding tickets and the average cost increases to $2,138, an increase of $533 each year. Now add two accidents along with the two speeding tickets and the yearly cost of auto insurance for drivers with accidents increases to an average of $4,376. That’s an increase of $2,771, or $231 per month, just for not driving carefully!
Full coverage rates compared to liability-only
Reducing the cost of auto insurance is important to most people, and an easy way to save on the cost of insurance for drivers with accidents is to only buy liability coverage. The chart below visualizes the comparison of car insurance costs when comparing full coverage to liability only. The data is based on no accidents or driving violations, $500 deductibles, single marital status, and no policy discounts are applied.
Averaged for all age groups, comprehensive and collision coverage on your policy costs an extra $1,551 per year more than buying just liability insurance. At some point, every insured wonders when is it a good idea to stop buying full coverage. There is no definitive formula to eliminate full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your vehicle’s replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after the deductible is paid. If you are paying in excess of $700 annually for full coverage, then you might consider buying liability only.
There are some cases where removing full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
How to find cheaper car insurance for drivers with accidents
Here are some of the recommended penny-pinching suggestions that can help Nebraska drivers get more affordable coverage.
- Higher comprehensive and collision coverage deductibles will save money
- Good credit can help you save money
- Buy safe vehicles
- Drive safely
- Do not get into accidents that are your fault
- Compare prices frequently to find the best deal
The last item on the list is certainly critical, as we discussed in the prior article. Prices charged by companies in Omaha can change considerably in a year, so don’t be unwilling to buy a different policy if you find a better deal. Having a favorite company is great, but we do not recommend it if that loyalty ends up costing a lot of money every month. Take a couple minutes and shop around to find cheaper insurance for drivers with accidents.
If you aren’t sure which coverage you need and prefer to get help from a professional when buying car insurance for drivers with at-fault accidents, the insurance agencies listed below are willing to help you decide which coverages are best.
To locate an Omaha car insurance agency near you, click the button link following the list.
Jensen Insurance
16909 Burke St #125 – Omaha, NE 68118 – (402) 391-5100
Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455
Larry Smith – State Farm Insurance Agent
11717 Burt St #105 – Omaha, NE 68154 – (402) 491-0111