The words “cheap” and “insurance” really shouldn’t be used in the same sentence, specifically when you are shopping around for the best car insurance rates for active military. To help control this cost, let’s take a look at some of the things that significantly impact auto insurance premiums, and find out if you can take the sting out of the next policy you buy.
Finding budget insurance is confusing at best, and deciding which company quotes the best car insurance rates for active military will require more quotes for comparison.
Each auto insurance company has a proprietary method for determining prices, so let’s take a look at the most affordable car insurance companies in Omaha, NE. It’s a good idea to be aware that Omaha car insurance rates are calculated based on many things which can substantially decrease or increase the cost of your policy. Simply having a birthday, buying higher coverage limits, or getting into an accident may cause policy rate changes that can make some companies less affordable than competitors.
Find Cheaper Car Insurance for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $788 |
| 2 | The Hartford | $865 |
| 3 | Allied | $911 |
| 4 | Auto-Owners | $923 |
| 5 | Farm Bureau Mutual | $990 |
| 6 | Farmers Mutual of Nebraska | $1,019 |
| 7 | Nationwide | $1,037 |
| 8 | State Farm | $1,065 |
| 9 | General Casualty | $1,081 |
| 10 | American National | $1,098 |
| 11 | USAA | $1,128 |
| 12 | American Family | $1,258 |
| 13 | GEICO | $1,308 |
| 14 | California Casualty | $1,309 |
| 15 | MetLife | $1,319 |
| 16 | Iowa Mutual | $1,347 |
| 17 | EMC | $1,354 |
| 18 | Progressive | $1,460 |
| 19 | Farmers | $1,602 |
| 20 | North Star | $1,642 |
| Quote Your Rates Go | ||
Safeco generally has some of the cheapest car insurance rates in Omaha at around $788 each year. This is $528 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Farm Bureau Mutual are also some of the best Omaha, NE insurance companies.
As shown in the rates above, if you are insured with The Hartford and switched to Safeco, you could see a yearly price reduction of around $77. Customers with Allied may save as much as $123 a year, and Auto-Owners customers might reduce prices by as much as $135 a year.
Bear in mind that those premium estimates are averages for all ages of drivers and types of vehicles and do not factor in a specific vehicle garaging location for active military. So the car insurance company that has the lowest price for you may not even be in the top 24 companies in the list above. That illustrates why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
The vehicle you are buying coverage for is a large factor that determines if you can find the best cheap auto insurance for active military. Vehicles with average performance, a great safety record, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.
The list below features insurance prices for the cheapest vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,130 |
| Honda CR-V EX-L 2WD | $1,142 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,148 |
| Ford Escape Limited 2WD | $1,180 |
| Jeep Grand Cherokee Laredo 2WD | $1,205 |
| Ford Explorer Eddie Bauer 4WD | $1,228 |
| Hyundai Elantra SE Touring Station Wagon | $1,244 |
| Ford Focus SEL 4-Dr Sedan | $1,248 |
| Toyota Corolla XLE | $1,271 |
| Nissan Rogue S 2WD | $1,292 |
| Chevrolet Malibu LTZ | $1,294 |
| Honda Civic DX 4-Dr Sedan | $1,299 |
| Dodge Grand Caravan CV | $1,296 |
| Get a Custom Quote Go | |
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in garaging location in Omaha, NE which can modify coverage rates noticeably.
Based upon the rates shown, makes and models like the Toyota Prius, Honda CR-V, Jeep Wrangler, and Ford Escape are most likely going to be the less-costly vehicles to insure for military personnel.
One of the more important components that are looked at to help calculate the cost of insurance is where your residence is. Areas with more people or more claims tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The following table ranks the priciest cities in Nebraska for active military to purchase car insurance in. Omaha is ranked #10 with the yearly price of $1,233 on average, which is about $103 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Scottsbluff | $1,360 |
| 2 | Gering | $1,343 |
| 3 | Lexington | $1,316 |
| 4 | Alliance | $1,300 |
| 5 | McCook | $1,279 |
| 6 | South Sioux City | $1,264 |
| 7 | North Platte | $1,250 |
| 8 | Kearney | $1,236 |
| 9 | Blair | $1,236 |
| 10 | Omaha | $1,233 |
| 11 | Nebraska City | $1,224 |
| 12 | Beatrice | $1,222 |
| 13 | Seward | $1,215 |
| 14 | Crete | $1,210 |
| 15 | York | $1,191 |
| 16 | Hastings | $1,182 |
| 17 | Columbus | $1,174 |
| 18 | Grand Island | $1,170 |
| 19 | La Vista | $1,162 |
| 20 | Bellevue | $1,144 |
| Compare Rates Now Go | ||
Rate information is comparative as the specific area where the vehicle is garaged can affect price quotes significantly.
Get discount Omaha insurance rates
Insurers that provide coverage for active military may have price discounts that could potentially reduce rates by 35% or more if you are eligible to receive them. A list of companies and some of the premium reductions they offer are included below.
- American Family has savings for Steer into Savings, defensive driver, TimeAway discount, multi-vehicle, mySafetyValet, good student, and early bird.
- Nationwide may have discounts that include anti-theft, business or organization, Farm Bureau membership, multi-policy, and easy pay.
- MetLife may include discounts for good student, multi-policy, accident-free, defensive driver, claim-free, and good driver.
- 21st Century offers premium reductions for early bird, defensive driver, automatic seat belts, teen driver, anti-lock brakes, and good student.
- Farmers Insurance policyholders can earn discounts including mature driver, homeowner, pay in full, teen driver, and business and professional.
- Allstate includes discounts for resident student, premier plus, FullPay discount, anti-lock brakes, utility vehicle, and teenSMART discount.
The illustration below shows the difference between insurance premiums with and without some available policy discounts. The information is based on a female driver, a clean driving record, no claims, Nebraska state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, safe-driver, passive restraint, accident-free, homeowner, and anti-theft discounts applied. When these discounts are applied, the average savings per year on car insurance for active military is 28% or $614.
Full coverage or liability only
Saving money when shopping for car insurance is important to the majority of vehicle owners, and one good way to reduce the cost of insurance for active military is to not pay for full coverage. The example below shows the difference between insurance premiums with full physical damage coverage compared to only buying liability only. The data assumes no violations or claims, $100 deductibles, single marital status, and no additional discounts are factored in.
If all age groups are averaged, full coverage costs $1,917 per year over having just liability coverage. That may make you wonder if you should buy full coverage at all. There is no specific rule of when to exclude physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
The agents below can most likely help you make a decision which insurance coverage will be best for you, as many consumers aren’t sure which coverage to buy and prefer to get some professional input when comparing insurance rates for active military. It can be time-consuming to find the best policy yourself, and getting advice from a licensed agent can add peace of mind knowing your policy gives you adequate protection in case of an accident or claim.
To find an Omaha insurance agent by location nearest to you, click the button at the bottom.
- Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455 - Sherman Willis – State Farm Insurance Agent
4915 N 120th St Ste 107 – Omaha, NE 68164 – (402) 493-1000 - Larry Smith – State Farm Insurance Agent
11717 Burt St #105 – Omaha, NE 68154 – (402) 491-0111 - BW Insurance Agency, Inc.
13906 Gold Cir # 103 – Omaha, NE 68144 – (402) 918-0102
Find an Omaha, NE insurance agent near you
How to find the cheapest car insurance for active military
Below you’ll find some of the better penny-pinching suggestions that can help Nebraska drivers get more affordable auto insurance.
- Avoid preventable accidents
- Do not waste money insuring older vehicles for full coverage
- Try paying for small claims out-of-pocket
- Save money by observing traffic laws and speed limits
- Buying car and homeowners insurance together can save money
- The safer your car, the less it costs to insure
- Compare rate quotes frequently
The last suggestion is especially vital, as we stressed in the article above. Coverage prices change a lot, so don’t be tentative to change to a new company if a more affordable price is available. Brand loyalty is not necessarily bad, but it’s not recommended if that stubbornness costs you thousands of dollars over the life of your policy. Spend a few minutes and shop around to find cheaper insurance for active military in Omaha.