How Much are Omaha Car Insurance Rates for Uninsured Drivers?

Shopping around for reasonably-priced car insurance is not always easy, and deciding which company quotes the cheapest car insurance rates for uninsured drivers involves even more diligence. Every insurance company uses a slightly different approach for determining rates, so let’s begin by taking a look at the car insurance companies that tend to be cheaper in Nebraska.

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Cheapest auto insurance in Nebraska ranked by cost per year
Rank Company Cost Per Year
1 Safeco $804
2 The Hartford $873
3 Auto-Owners $923
4 Allied $949
5 Farm Bureau Mutual $980
6 Farmers Mutual of Nebraska $1,019
7 Nationwide $1,037
8 American National $1,065
9 State Farm $1,075
10 General Casualty $1,081
11 USAA $1,162
12 American Family $1,258
13 GEICO $1,308
14 California Casualty $1,309
15 MetLife $1,332
16 Iowa Mutual $1,334
17 EMC $1,340
18 Progressive $1,402
19 Farmers $1,602
20 North Star $1,693
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Safeco normally has some of the cheapest car insurance rates in Omaha at around $804 per year. This is $512 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are also some of the cheaper Omaha, NE auto insurance companies.

As illustrated above, if you are insured with Auto-Owners and switched to Safeco, you could see annual savings of approximately $119. Policyholders with Allied may save as much as $145 a year, and Farm Bureau Mutual customers might cut rates by $176 a year.

Remember that these rates are averaged across all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for uninsured drivers. So the company that fits you best may not even be in the top 24 companies shown above. That illustrates why you need to compare rates from multiple companies using your own driver and vehicle profiles.

One of the more important considerations that determine the amount you pay each year for auto insurance is where you live in Omaha. Regions with larger populations or more claims tend to pay slightly more, whereas areas with less crime or weather claims can boast about having cheaper rates.

The illustration below sorts the highest-priced areas in Nebraska for uninsured drivers in which to buy car insurance. Omaha comes in at #6 with the annual price of $1,270 for coverage, which is approximately $106 each month.

How much does auto insurance cost in Omaha?
Rank City Annual Premium
1 Scottsbluff $1,374
2 Gering $1,343
3 Alliance $1,340
4 Lexington $1,316
5 McCook $1,279
6 Omaha $1,270
7 South Sioux City $1,264
8 North Platte $1,262
9 Beatrice $1,259
10 Crete $1,246
11 Blair $1,236
12 Kearney $1,224
13 Seward $1,191
14 Columbus $1,185
15 Nebraska City $1,176
16 Grand Island $1,170
17 Fremont $1,166
18 Hastings $1,158
19 Norfolk $1,147
20 York $1,145
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Rate information is estimated as the specific area where the vehicle is garaged can revise insurance rates noticeably.

The illustration below illustrates how your choice of deductibles can change premium costs when quoting cheap insurance for uninsured drivers. The premium estimates are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

In the chart above, a 30-year-old driver could reduce rates by $278 a year by switching from a $100 deductible up to a $500 deductible, or save $418 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, could roll back prices $808 every year by choosing a larger deductible amount.

When raising deductibles, it is necessary to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Picking the top insurer can be difficult considering how many different companies there are to choose from in Nebraska. The ranking information in the lists below may help you decide which coverage providers you want to consider comparing prices from.

The ratings below only include companies with a nationwide focus, so smaller regional companies are not taken into consideration for these rankings. To check prices from many more Nebraska auto insurance companies, simply click here.

Top Car Insurance Companies for Uninsured Drivers in Omaha, NE
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
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

How to find low-cost auto insurance for uninsured drivers

It is possible to find better rates, and here are some penny-pinching ideas that can help drivers get lower-cost auto insurance.

The final tip is especially necessary, as we stressed in this article. Coverage prices in Omaha can change considerably based on profitability, so drivers shouldn’t be reluctant to switch companies if a cheaper rate is available. Being loyal to a particular company is commendable, but is isn’t recommended if that faithfulness ends up costing you hundreds every year. In less than five minutes you could shop around to find cheaper car insurance for uninsured drivers.

The insurance agencies listed below can most likely answer your questions and help you decide which insurance coverage will be best for you, as lots of people like to get some help when shopping for the best coverage for uninsured drivers. It can be time-consuming to find the cheapest rate yourself, so a licensed agent can add comfort knowing you have adequate asset protection. To find an auto insurance agency nearest to you, click the link at the bottom.

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