This would be a much quicker read if we could simply give you the name of the one company in Omaha that has the lowest rates in Nebraska. It’s just not that simple, as there are a whole bunch of unknown elements like the likelihood of vehicle theft where you live, if you have a tendency to get pulled over, what coverage limits you want, and if you own a home, that all impact the cost of coverage. We will touch on these factors and others that can influence the price of auto insurance and hopefully give you enough understanding to have some help in finding cheaper rates.
For eco-friendly vehicles, one of the more important criteria that are used to help calculate the amount you pay for auto insurance is where your residence is. Cities with more crime and/or more people are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.
The table below sorts the highest-priced places in Nebraska for electric cars to purchase car insurance in. Omaha ranks #11 having an annual price of $1,220 on average, which is about $102 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Alliance | $1,354 |
| 2 | Scottsbluff | $1,334 |
| 3 | McCook | $1,318 |
| 4 | Gering | $1,317 |
| 5 | Lexington | $1,316 |
| 6 | North Platte | $1,301 |
| 7 | South Sioux City | $1,290 |
| 8 | Blair | $1,236 |
| 9 | Beatrice | $1,235 |
| 10 | Nebraska City | $1,224 |
| 11 | Omaha | $1,220 |
| 12 | Crete | $1,210 |
| 13 | York | $1,191 |
| 14 | Bellevue | $1,190 |
| 15 | Kearney | $1,188 |
| 16 | Seward | $1,179 |
| 17 | Grand Island | $1,170 |
| 18 | Norfolk | $1,159 |
| 19 | La Vista | $1,150 |
| 20 | Hastings | $1,147 |
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Premium costs are estimated as the garaging address in Omaha can influence insurance rates noticeably.
The make and model of vehicle to be insured is probably the most important factor when quoting affordable auto insurance for electric cars. Vehicles with average performance, excellent safety ratings, or a track record of few liability claims will cost much less to insure than adrenaline junky models.
The next table features insurance premiums for some of the cheapest automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,177 |
| Ford Escape XLS 2WD | $1,186 |
| Ford Focus S 4-Dr Sedan | $1,190 |
| Chevrolet Equinox LS AWD | $1,213 |
| Toyota Tacoma Double Cab 4WD | $1,236 |
| Toyota Corolla S | $1,278 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,301 |
| Honda Odyssey Touring | $1,311 |
| Toyota Prius | $1,301 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,309 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,324 |
| Ford Edge SEL AWD | $1,367 |
| Toyota RAV4 Limited 4WD | $1,393 |
| Volkswagen Jetta S 4-Dr Sedan | $1,401 |
| Ford Explorer XLT 4WD | $1,409 |
| Ford F-150 XLT Crew Cab 4WD | $1,418 |
| Toyota Camry XLE | $1,464 |
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in Omaha, NE location which can influence prices noticeably.
Looking at the numbers, vehicles like the Honda CR-V, Ford Escape, Ford Focus, Chevrolet Equinox, and Toyota Tacoma should be a few of the most affordable vehicles to insure for eco-friendly vehicles.
Types of discounts on Omaha insurance rates
Insurance companies that sell policies for electric cars may additionally offer discounts that could potentially reduce rates by as much as 25% or more if you can meet the requirements. A list of companies and a selection of discounts are:
- The Hartford offers discounts including anti-theft, defensive driver, vehicle fuel type, good student, driver training, and air bag.
- American Family may have discounts that include early bird, good driver, Steer into Savings, accident-free, and bundled insurance.
- Progressive may include discounts for good student, multi-vehicle, homeowner, online signing, multi-policy, and continuous coverage.
- Travelers has savings for hybrid/electric vehicle, driver training, continuous insurance, multi-policy, and multi-car.
- Farmers Insurance policyholders can earn discounts including mature driver, business and professional, pay in full, teen driver, distant student, homeowner, and good student.
- USAA includes discounts for vehicle storage, annual mileage, safe driver, good student, and driver training.
- Liberty Mutual offers premium reductions for safety features, newly married, new graduate, new vehicle discount, and multi-car.
The example below shows the comparison of auto insurance rates with and without some available policy discounts. The data assumes a male driver, no accidents or driving violations, Nebraska state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with defensive driving course, multiple vehicle, claim-free, multiple policy, accident-free, and safe-driver discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for electric cars is 28% or $587.
Best auto insurance company in Omaha
Choosing the right auto insurance company is hard considering how many companies are available to choose from in Omaha. The ranking information below can help you choose which companies to look at when comparing rate quotes. These rankings only include companies with a national presence, so companies that may only write in Nebraska are not included in these rankings.
| 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
The information below shows how different deductible levels can impact yearly insurance costs when getting quotes for cheap insurance for electric cars. The prices are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
A 40-year-old driver could pocket $334 a year by switching from a $100 deductible up to a $500 deductible, or save $502 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 chart data, can save $1,114 or more by choosing a higher deductible.
If you do decide to increase your deductibles, it will be required to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.