The words “low-cost” and “insurance” really shouldn’t be used together, specifically when you are searching for the best price on coverage for government employees. Because it’s so expensive, let’s familiarize you with some of the things that have an effect on auto insurance rates, and figure out some ways to lower the cost of the next policy you buy.
For state and federal workers, one of the big factors that are looked at to help calculate auto insurance rates is where you choose to live in Omaha. Regions with more people or even just more weather-related claims are more likely to pay higher prices, whereas less populated areas have the luxury of cheap car insurance rates.
The table below ranks the most costly cities in Nebraska for government employees to purchase car insurance in. Omaha shows up at #7 costing $1,270 for coverage, which is about $106 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,374 |
| 2 | Alliance | $1,354 |
| 3 | McCook | $1,318 |
| 4 | Lexington | $1,303 |
| 5 | Gering | $1,303 |
| 6 | South Sioux City | $1,290 |
| 7 | Omaha | $1,270 |
| 8 | North Platte | $1,262 |
| 9 | Beatrice | $1,259 |
| 10 | Kearney | $1,236 |
| 11 | Crete | $1,234 |
| 12 | Nebraska City | $1,224 |
| 13 | Blair | $1,188 |
| 14 | York | $1,180 |
| 15 | Seward | $1,179 |
| 16 | Columbus | $1,174 |
| 17 | La Vista | $1,162 |
| 18 | Grand Island | $1,158 |
| 19 | Hastings | $1,158 |
| 20 | Bellevue | $1,155 |
| Find Cheaper Rates Go | ||
Prices are comparative as specific location information can change price quotes substantially.
Finding dependable, affordable auto insurance is not most people’s favorite thing to do, and deciding which company quotes the lowest-priced car insurance rates for government employees may require even more rate comparisons. Every insurance provider uses slightly different criteria to determine rates, so first let’s look at the rankings for the most affordable car insurance companies in Omaha.
It’s important to understand that Omaha, NE car insurance rates are calculated based on many things that will increase or decrease the price you have to pay for coverage. This is why Omaha drivers need to shop around with many companies to get the best insurance quotes for government employees. Auto insurance prices consist of many different factors and change dramatically, so the most economical company six months ago may now be wasting a lot of money.
Best Car Insurance Prices in Nebraska
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $839 |
| 3 | Auto-Owners | $905 |
| 4 | Allied | $911 |
| 5 | Farmers Mutual of Nebraska | $989 |
| 6 | Nationwide | $1,007 |
| 7 | Farm Bureau Mutual | $1,020 |
| 8 | State Farm | $1,033 |
| 9 | General Casualty | $1,092 |
| 10 | American National | $1,098 |
| 11 | USAA | $1,162 |
| 12 | California Casualty | $1,270 |
| 13 | American Family | $1,284 |
| 14 | Iowa Mutual | $1,295 |
| 15 | MetLife | $1,332 |
| 16 | EMC | $1,354 |
| 17 | GEICO | $1,362 |
| 18 | Progressive | $1,445 |
| 19 | Farmers | $1,634 |
| 20 | North Star | $1,693 |
| Compare Rates Now Go | ||
Safeco normally has some of the lowest car insurance rates in Omaha at around $780 per year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also make the cut as some of the cheaper Omaha, NE auto insurance companies.
In the above example, if you buy coverage from The Hartford and switched to Safeco, you might realize yearly savings of about $59. Policyholders with Auto-Owners might save as much as $125 a year, and Allied customers might see rate reductions of $131 a year.
If you want to find out if you’re overpaying, click here to start your custom quote or visit several of the following companies.
Remember that these estimates are averages for all insureds and vehicles and do not take into consideration a specific vehicle garaging location for government employees. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That helps illustrate why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Discount Omaha car insurance
Auto insurance companies that offer cheap quotes for government employees may additionally offer price discounts that could potentially reduce rates by 40% or more if you meet certain criteria. Large car insurance companies and a summarized list of policyholder discounts can be found below.
- GEICO discounts include emergency military deployment, military active duty, federal employee, anti-theft, multi-vehicle, five-year accident-free, and seat belt use.
- MetLife has discounts for good driver, multi-policy, accident-free, claim-free, defensive driver, and good student.
- State Farm policyholders can earn discounts including multiple policy, Drive Safe & Save, student away at school, passive restraint, and good student.
- Progressive may offer discounts for online signing, continuous coverage, good student, homeowner, and multi-vehicle.
- Mercury Insurance offers discounts including location of vehicle, age of vehicle, low natural disaster claims, type of vehicle, good student, multi-car, and professional/association.
- 21st Century may have discounts that include homeowners, defensive driver, good student, air bags, teen driver, 55 and older, and theft prevention.
- Allstate offers premium reductions for resident student, FullPay discount, premier discount, eSmart discount, passive restraint, and 55 and retired.
The information below compares insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, accident-free, passive restraint, vehicle safety, marriage, and multiple vehicle discounts applied. When discounts are applied, the average savings per year on car insurance for government employees is 28% or $475.
Choosing the highest-rated car insurance company can be challenging considering how many companies there are in Omaha. The ranking data shown below could help you choose which companies to look at comparing rates with.
The rankings below are only comprised of major nationwide insurance companies, so companies that may only write in Nebraska will not be included in the list. To compare rates from these and other companies in Nebraska, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Should you buy full coverage?
Saving money on car insurance is important to most people, and one of the quickest ways to reduce the cost of insurance for government employees is to only buy liability coverage. The information below compares insurance costs when comparing full coverage to liability only. The data is based on no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are factored in.
If we average the cost for ages 20 through 70, physical damage coverage costs $1,366 per year over and above liability coverage. That may make you wonder if buying full coverage is worth the expense. There is no specific rule of when to eliminate comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
There are some situations where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should maintain full coverage.
Don’t make the mistake of not shopping around
Nebraska car insurance rates are based on many factors that can increase the price you have to pay for coverage. Getting older, buying another vehicle, or getting a few speeding tickets can trigger rate changes that can now make some companies much cheaper than others. And not only may your rating factors change, but insurance companies file new Nebraska car insurance rates without warning to adjust for heavy claims or excess profits. An extended period of higher than normal claims can result in increased policy costs, while less frequent claims can cause cheaper Omaha car insurance rates.
For example, the data below shows the companies that have the cheapest car insurance in Omaha, NE for a 40-year-old male driver with a clean driving record, no accidents, and great credit. If we estimate rates based on his current risk factors, Safeco may offer the most affordable car insurance rates in Omaha at $878 per year. This is $438 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also make the list of the cheapest Omaha, NE auto insurance companies.
The chart below compares rates after we give the driver from the above example an accident claim, bad credit, and a stop sign violation. Due to the fact that every auto insurer has a different process to determining premium rates, comparing quotes may now present a substantially altered list of companies as shown below.
Nationwide now has the lowest price on auto insurance in Omaha with State Farm, American National, General Casualty, and USAA also having competitive pricing. This example illustrates why consumers need to take the time to compare many different companies to find the cheapest car insurance quotes for government employees. Rates can be altered by many different factors and can change substantially, so the most affordable company the last time you shopped your coverage around may now be wasting a lot of money.