The type of vehicle that needs insurance is probably the most important factor when trying to find affordable insurance for felons. Vehicles with reasonable performance levels, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than high performance models. The information below showcases insurance rates for some of the most cost-effective vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 STX Regular Cab 2WD | $1,102 |
| Toyota Prius | $1,109 |
| Ford Escape XLS 2WD | $1,148 |
| Chevrolet Malibu LS | $1,187 |
| Toyota RAV4 Limited 4WD | $1,193 |
| Toyota Tacoma Double Cab 4WD | $1,209 |
| Honda CR-V EX 4WD | $1,259 |
| Jeep Grand Cherokee Limited 4WD | $1,273 |
| Toyota Corolla XRS | $1,280 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,273 |
| Ford Explorer XLT 2WD | $1,289 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,296 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,312 |
| Ford Focus S 4-Dr Sedan | $1,337 |
| Ford Edge SE AWD | $1,347 |
| Honda Accord EX-L 4-Dr Sedan | $1,337 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,357 |
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in vehicle location which can impact rates considerably.
Based on these rates, we can presume that makes and models like the Ford F-150, Toyota Prius, and Ford Escape are likely to be some of the most economical vehicles to insure for felons.
For felons, one of the largest considerations that aid in calculating the amount you pay for auto insurance is where your car is garaged. More populated areas tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.
The following table ranks the highest-priced places in Nebraska for felons to buy an auto insurance policy in. Omaha is listed at #12 with a yearly premium of $1,220 for the average policy, which is around $102 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,360 |
| 2 | Gering | $1,343 |
| 3 | Alliance | $1,340 |
| 4 | McCook | $1,331 |
| 5 | Lexington | $1,316 |
| 6 | North Platte | $1,288 |
| 7 | Beatrice | $1,272 |
| 8 | South Sioux City | $1,251 |
| 9 | Crete | $1,246 |
| 10 | Blair | $1,236 |
| 11 | Kearney | $1,224 |
| 12 | Omaha | $1,220 |
| 13 | Hastings | $1,182 |
| 14 | Bellevue | $1,179 |
| 15 | Seward | $1,179 |
| 16 | Nebraska City | $1,176 |
| 17 | Fremont | $1,166 |
| 18 | Norfolk | $1,159 |
| 19 | Grand Island | $1,158 |
| 20 | Columbus | $1,150 |
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Price information shown is comparative as the specific Omaha residence address can increase or decrease coverage rates considerably.
Establishing which companies quote the cheapest insurance rates for felons requires a bit more effort in order to find the lowest price.
Each insurance company uses a different method for establishing rates, so we’ll take a look at the most competitive insurance companies in Omaha, NE. It’s important that readers know that Omaha insurance rates are based on many factors that may substantially change the price you have to pay for coverage. Simply having a birthday, becoming a homeowner, or having a fender bender may cause policy rate changes resulting in some rates now being cheaper than before.
Lowest Insurance Price Quotes for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $804 |
| 2 | The Hartford | $873 |
| 3 | Auto-Owners | $932 |
| 4 | Allied | $949 |
| 5 | Farmers Mutual of Nebraska | $979 |
| 6 | Nationwide | $1,007 |
| 7 | Farm Bureau Mutual | $1,020 |
| 8 | State Farm | $1,043 |
| 9 | American National | $1,054 |
| 10 | General Casualty | $1,081 |
| 11 | USAA | $1,162 |
| 12 | American Family | $1,246 |
| 13 | California Casualty | $1,270 |
| 14 | MetLife | $1,293 |
| 15 | Iowa Mutual | $1,295 |
| 16 | GEICO | $1,308 |
| 17 | EMC | $1,354 |
| 18 | Progressive | $1,460 |
| 19 | Farmers | $1,586 |
| 20 | North Star | $1,659 |
| Quote Your Rates Go | ||
Safeco generally has some of the cheapest car insurance rates in Omaha at around $804 per year. This is $512 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also are some of the best Omaha, NE car insurance companies.
As the rates illustrate above, if you currently have a policy with Auto-Owners and switched to Safeco, you might achieve an annual savings of upwards of $128. Drivers with Allied could save as much as $145 a year, and Farmers Mutual of Nebraska policyholders might reduce rates by $175 a year.
Bear in mind that those estimates are averaged for all drivers and vehicles and and are not calculated with an exact zip code location for felons. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That underscores the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
Discounts on Omaha insurance rates
Auto insurance companies that sell policies for felons may also offer discounts that could lower prices by as much as 40% or more if you qualify for them. Companies and a selection of discounts are:
- Esurance offers premium reductions for good student, good driver, renters, anti-lock brakes, and DriveSense.
- The Hartford discounts include vehicle fuel type, driver training, air bag, defensive driver, anti-theft, good student, and bundle.
- AAA policyholders can earn discounts including good driver, anti-theft, AAA membership discount, multi-policy, pay-in-full, good student, and education and occupation.
- GEICO has discounts for emergency military deployment, defensive driver, air bags, anti-theft, membership and employees, multi-policy, and federal employee.
- State Farm offers discounts including safe vehicle, good driver, Drive Safe & Save, anti-theft, student away at school, defensive driving training, and good student.
The chart below shows the comparison of insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no claims, a clean driving record, Nebraska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with passive restraint, multiple policy, multiple vehicle, marriage, vehicle safety, and anti-theft discounts applied. In this example, theaverage amount saved on insurance for felons is 28% or $535.
The diagram below shows how different deductible levels can increase or decrease insurance rates when getting quotes for cheap insurance for felons. The costs are based on a married male driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could lower rates by $276 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $418 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could shave $834 annually by choosing a larger deductible amount. When raising deductibles, it’s a good idea to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Best insurance company in Omaha
Choosing the top insurance company is hard considering how many companies there are in Omaha. The rank data listed below can help you pick which companies you want to consider when trying to find the cheapest insurance for felons.
The ratings below are for companies that write coverage in many states, so companies that only write business in Nebraska or surrounding areas will not be included in these rankings. To compare price quotes from these and other competitive companies, 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 |
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Data Source: Insure.com Best Car Insurance Companies
If you aren’t sure which coverage you need and prefer to get some guidance when shopping around for cheaper insurance for felons, the agents below can aid you in deciding which car insurance policy is best.
To locate an agency by location nearest to you, click the button at the bottom.
- Jackie Pletan – State Farm Insurance Agent
8333 Cass St – Omaha, NE 68114 – (402) 391-2673 - Cyrus Jaffery – State Farm Insurance Agent
3015 North 90th Street Ste 3 – Omaha, NE 68134 – (402) 451-2500 - Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455 - American Family Insurance – S De Los Reyes Agency Inc.
5052 S 108th St – Omaha, NE 68137 – (402) 339-9052