120+ more*Quotes generated for Insurify users in and around Omaha, Nebraska within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Omaha, Nebraska within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
The average cost of state-minimum liability insurance in Omaha, Nebraska, is $89 per month, and full coverage averages $163 per month.
Liability coverage in smaller cities is cheaper. Lincoln drivers pay about $73 per month, and Grand Island drivers pay about $61 per month.
Omaha has a much higher rate of vehicle theft by volume than Lincoln. While Lincoln ranks No. 141 nationwide, Omaha ranks No. 45. That said, Omaha is first among Nebraska cities for vehicle theft. This higher risk can mean higher premiums.
Liability rates start as low as $51 per month
Auto-Owners offers the lowest liability-only rates in Omaha, averaging $51 per month. That’s less than the statewide average of $69 per month.
Nebraska state law requires drivers to carry a certain amount of liability insurance to legally drive in the state.[1] The minimum requirements are:
$25,000 of bodily injury liability insurance per person
$50,000 of bodily injury liability insurance per accident
$25,000 of property damage liability per accident
$25,000 of uninsured/underinsured coverage per person
$25,000 of uninsured/underinsured coverage per accident
The table below shows the cheapest rates for liability-only car insurance in Omaha.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $51 |
| Progressive | $63 |
| American Family | $70 |
| National General | $70 |
| USAA | $78 |
| GEICO | $82 |
| State Farm | $88 |
| Safeco | $90 |
| The General | $90 |
| AssuranceAmerica | $91 |
| Root | $98 |
| Bristol West | $112 |
| Liberty Mutual | $117 |
| Dairyland | $127 |
| Farmers | $146 |
| Shelter | $149 |
With an average monthly cost of $101, Auto-Owners has the cheapest full-coverage car insurance in Omaha. Progressive has the second-cheapest full-coverage rates, at $132 per month.
Omaha drivers have many reasons to choose full-coverage insurance. The city is at risk of severe storms, with wind speeds increasing over the past 30 years.[2]
A full-coverage policy, including comprehensive coverage, pays to repair your vehicle if it’s damaged by storm debris or hail. The table below shows the cheapest rates for full-coverage car insurance in Omaha.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $101 |
| Progressive | $132 |
| National General | $133 |
| American Family | $142 |
| USAA | $156 |
| GEICO | $163 |
| Root | $173 |
| Safeco | $175 |
| State Farm | $175 |
| AssuranceAmerica | $183 |
| Liberty Mutual | $194 |
| The General | $235 |
| Bristol West | $240 |
| Dairyland | $280 |
| Farmers | $292 |
| Shelter | $298 |
With an average monthly rate of $126, Omaha is the most expensive city in Nebraska for car insurance coverage. In comparison, Norfolk’s rates are the cheapest, averaging $82 per month.
One reason Omaha’s rates are more expensive is its higher per-capita vehicle theft rate.
Omaha also has a higher rate of drivers with accident records. About 6.2% of Omaha drivers have been involved in an at-fault accident, compared to 4.7% of drivers in Grand Island, Insurify data shows. Higher accident rates often lead to higher insurance premiums.
The following table shows average monthly car insurance rates in different Nebraska cities.
City | Average Monthly Quote |
|---|---|
| Columbus | $94 |
| Fremont | $104 |
| Grand Island | $93 |
| Lincoln | $102 |
| Norfolk | $82 |
| Omaha | $126 |
*Quotes generated for Insurify users in and around Omaha, Nebraska within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Omaha, Nebraska within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history affects how much you pay for an auto insurance policy, and having an incident can raise your premiums. Below are the cheapest insurance companies for Omaha drivers by driving record.
Cheapest car insurance for Omaha drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Omaha: Auto-Owners
Cheapest car insurance for Omaha drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Omaha: Auto-Owners
In Omaha, approximately 3.9% of drivers have a speeding ticket and 6.2% have an accident on their record, according to Insurify data. Nebraska law requires you to send a completed Driver’s Motor Vehicle Crash Report to the Department of Transportation within 10 days of an accident involving injury, death, or property damage exceeding $1,500.
Approximately 1.1% of Omaha drivers have a driving under the influence (DUI) conviction on their record, according to Insurify data. The Omaha Police Department (OPD) takes a proactive approach to DUI enforcement by increasing surveillance in areas with a history of collisions involving impaired drivers. It also conducts targeted roadside checks.
The table below shows average monthly quotes in Omaha by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $126 |
| Speeding ticket | $165 |
| At-fault accident | $177 |
| DUI | $172 |
Omaha has plenty of parking, including garages, surface lots, and on-street options. Keep an eye on the time, though — if you overstay or park in a prohibited place, you’ll pay anywhere from $16 to $150 in fines.
If you’re driving in Omaha between November and March, you may experience snow. The City of Omaha prioritizes snow removal on the main streets, which carry about 95% of its total traffic.
City workers also plow residential streets, but not down to bare pavement, which means there’s a risk of thawing and refreezing. Stay safe on the road by allowing more time to travel, keeping your tires in good condition, and respecting other drivers.
Omaha is home to several colleges and universities, including the University of Nebraska at Omaha, Creighton University, and the College of Saint Mary. Expect traffic to increase during times when students are moving into the area to attend classes.
Like many cities, Omaha has its share of congested roads and highways. In fact, Omaha has an average congestion level of 14% that rises to 25.8% during the evening commute.
The intersection of 90th Street and West Dodge Road is the busiest in the Omaha metropolitan area, while the ramps connecting Interstate 80 with 72nd and 84th streets have the highest connection volumes. More cars on the road increase the risk of accidents, which can lead to higher insurance costs.
The average monthly cost of a liability-only insurance policy for teens in Omaha is $176 — well above the state monthly average of $137.
Teens in Nebraska can get a school learner’s permit as young as age 14, though they must be 16 to get a full license. In 2023, about 18% of all reported crashes in Nebraska involved teenage drivers aged 19 and younger.[3]
The table below lists the lowest liability rates for teen drivers in Omaha.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $106 |
| Progressive | $125 |
| American Family | $137 |
| National General | $143 |
| USAA | $148 |
| GEICO | $154 |
| Root | $155 |
| The General | $169 |
| State Farm | $176 |
| Safeco | $191 |
| AssuranceAmerica | $194 |
| Bristol West | $206 |
| Liberty Mutual | $213 |
| Dairyland | $228 |
| Farmers | $301 |
| Shelter | $305 |
Let us do the work getting quotes from 120+ companies. You sit back and save!
Auto-Owners and Progressive offer the cheapest average liability insurance rates for senior drivers in Omaha, at $40 and $54 per month, respectively.
Seniors aged 60 and older account for 21% of the city’s population, and drivers aged 72 and older in Nebraska must renew their license in person.
The data below shows the cheapest rates for senior drivers in Omaha.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $40 |
| Progressive | $54 |
| National General | $54 |
| American Family | $55 |
| USAA | $63 |
| GEICO | $65 |
| State Farm | $68 |
| AssuranceAmerica | $70 |
| The General | $76 |
| Safeco | $78 |
| Root | $90 |
| Bristol West | $93 |
| Liberty Mutual | $96 |
| Shelter | $106 |
| Dairyland | $107 |
| Farmers | $115 |
Answers to some common questions about auto insurance in Omaha can help you find the best car insurance for you.
Monthly car insurance prices in Omaha average $89 per month for state-minimum coverage and $163 per month for full coverage. Your exact car insurance cost depends on your chosen coverage options, among other factors.
Auto-Owners is the cheapest car insurance company in Omaha, with liability insurance averaging $51 per month.
Nebraska law requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $25,000 per person and per accident in uninsured motorist and underinsured motorist coverage.
Yes. Many local insurers serve the Omaha area. Companies with a local presence to help with your insurance needs include Nationwide, State Farm, and Allstate.
Many insurers offer car insurance discounts to lower rates in Omaha, Nebraska. Some examples include multi-car, bundling car and home insurance, anti-theft devices, safety devices, military discounts, senior discounts, and good student discounts.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
