The words “low-cost” and “insurance” really don’t belong together, especially when shopping around for the cheapest car insurance for 19 year olds. In an attempt to save some money, let’s teach you some things that have an impact on insurance prices, and find out if you can lower the price of the next policy you buy.
For teenage drivers, one of the more important components that are looked at to help calculate the price you pay for insurance is where you keep your vehicle in Omaha. More populated areas tend to have higher auto insurance costs, whereas more rural areas have the enjoyment of a little cheaper coverage.
The following table lists the most costly cities in Nebraska for 19 year olds to buy an auto insurance policy in. Omaha makes the list at #11 with an annual rate of $1,220 for coverage, which is around $102 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,360 |
| 2 | McCook | $1,331 |
| 3 | Lexington | $1,316 |
| 4 | Gering | $1,303 |
| 5 | Alliance | $1,300 |
| 6 | South Sioux City | $1,290 |
| 7 | North Platte | $1,262 |
| 8 | Blair | $1,236 |
| 9 | Beatrice | $1,235 |
| 10 | Seward | $1,227 |
| 11 | Omaha | $1,220 |
| 12 | Crete | $1,210 |
| 13 | Nebraska City | $1,188 |
| 14 | Kearney | $1,188 |
| 15 | Columbus | $1,185 |
| 16 | Hastings | $1,182 |
| 17 | La Vista | $1,150 |
| 18 | York | $1,145 |
| 19 | Bellevue | $1,144 |
| 20 | Grand Island | $1,136 |
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Rate information is comparative as the garaging address in Omaha can influence price quotes noticeably.
The car, truck, or SUV to be insured is one of the biggest factors when looking for the best auto insurance for 19 year olds. Vehicles with more horsepower, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models. The information below shows insurance premiums for some of the most budget-friendly automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $3,155 |
| Ford Escape XLT 2WD | $3,163 |
| Hyundai Elantra GLS Touring Station Wagon | $3,155 |
| Volkswagen Jetta S 2.5 Station Wagon | $3,417 |
| Toyota Prius | $3,457 |
| Honda Odyssey LX | $3,486 |
| Ford F-150 XL Super Cab 4WD | $3,528 |
| Ford Edge Limited 2WD | $3,706 |
| Ford Focus SE 4-Dr Sedan | $3,714 |
| Chevrolet Impala LS | $3,706 |
| Dodge Grand Caravan Hero | $3,748 |
| Chevrolet Malibu Hybrid | $3,754 |
| Toyota RAV4 Limited 4WD | $3,748 |
| Jeep Grand Cherokee Laredo 2WD | $3,754 |
| Chevrolet Silverado LS Extended Cab 4WD | $3,748 |
| Ford Explorer Eddie Bauer 4WD | $3,788 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $3,856 |
| Honda Civic LX 4-Dr Sedan | $3,925 |
| Toyota Camry XLE | $3,967 |
| Toyota Corolla S | $3,973 |
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Data based on single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in your specific Omaha, NE location which can affect prices substantially.
Based upon the rates shown, you can conclude that cars like the Honda CR-V, Ford Escape, and Hyundai Elantra will be some of the more affordable vehicles to insure for teenage drivers. Rates will tend to be more expensive just due to the fact that there is more liability exposure for 19 year olds, but overall those specific models will tend to have the lowest insurance prices that you’ll find.
Drive safe and save
The ideal way to score affordable car insurance rates for teenage drivers is to drive attentively and avoid at-fault accidents and violations. The chart below shows how speeding tickets and at-fault fender-benders can impact car insurance costs for each age group. The prices are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of auto insurance in Nebraska per year with no violations or accidents is $2,305. Get two speeding tickets and the average cost hikes up to $3,060, an increase of $756 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for 19 year olds jumps again to an average of $5,767. That’s an increase of $3,462, or $289 per month, just for not driving safely!
Insuring your vehicle with the best insurance company can be a challenge considering how many companies sell insurance in Omaha. The company rank data in the lists below could help you choose which auto insurers to look at comparing prices from.
These ratings are only comprised of the largest companies in the United States, so companies that focus mainly on Nebraska business are not included in the list. If you wish to compare rates and find the cheapest rates for 19 year olds, just 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 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
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Data Source: Insure.com Best Car Insurance Companies
How to find cheaper car insurance for 19 year olds
Lowering your rates is not difficult, and here are some money-saving suggestions that can help Nebraska drivers locate lower-cost coverage.
- Avoid preventable accidents
- Serious violations like DUI or reckless driving can increase rates dramatically
- Pay for small claims rather than turning them in to your insurance company
- Raise comprehensive and collision coverage deductibles
- Remove physical damage coverage on older vehicles
- Comparison shop at least once a year
The last idea is highly crucial, as we noted in the prior article. Insurance rates fluctuate considerably, so drivers shouldn’t hesitate to buy from a new company if you find a cheaper price.
Loyalty to a specific company is fine, but it’s not a great idea if that inflexibility results in costing you a small fortune. It only take a few minutes to shop around and find cheaper car insurance for 19 year olds in Omaha.