Cheapest Auto Insurance in Omaha, Nebraska (2025)
Drivers in Omaha can find liability-only insurances rates starting at $51 per month from Auto-Owners.
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Written byTheresa Stevens
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byShawn Powers
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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Table of contents
Omaha drivers can expect to pay a monthly average of $90 for liability-only auto insurance and $158 per month for full coverage. That’s higher than the state average of $68 per month for liability-only coverage and the state average of $131 per month for full coverage. As the largest city in Nebraska, Omaha has heavy traffic, so insurers charge more to account for the increased risk.
Though affordability is important when choosing an insurance policy, it’s equally important to find the right coverage for your needs. Here’s what you need to know about finding cheap car insurance in Omaha.
Quick Facts
Omaha drivers can expect to find the cheapest liability-only and full-coverage auto insurance from Auto-Owners.
Nebraska insurers are allowed to use your credit score when setting your premium.
Nebraska law requires drivers to carry liability insurance and uninsured/underinsured motorist coverage.
3 of the cheapest car insurance companies in Omaha
Whether you live in Bemis Park or Morton Meadows, you’ll need auto insurance if you plan to drive in Omaha. Average auto insurance quotes in Omaha can vary quite a bit, as rates vary by company and each calculates a person’s risk slightly differently.
Insurance companies use many different factors — such as your location, driving history, age, and vehicle type — to set rates. The right auto insurance company for you will depend on your specific situation and coverage needs, so comparing quotes from multiple companies is essential.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $75 | $42 | Full coverage |
| American Family | 9.3 | $105 | $59 | Discounts |
| USAA | 9.1 | $116 | $65 | Military members and families |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $86/mo |
4.3
Best choiceBased on 259 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (131)
Eugene
Verified Review
Insurance Company Issues
Reviewed in Iowa on November 2025
Cannot get information from the company. You go through an agent, and they don't get back to you. If you ask for a change on the policy, they start a new policy, which increases the cost you have to pay.
Chick
Verified Review
Disappointed! Would rather have TALKED to an actual person!
Reviewed in Wisconsin on November 2025
It has been excellent! I just wanted to compare prices, but unfortunately, I insure 6 vehicles and your website doesn’t allow me to include them all!
Ron
Verified Review
For now, USAA is too far away
Reviewed in Georgia on November 2025
My current insurance is through a broker in the next town, and although they are higher than USAA, I like that I can go into their office, sit, ask questions, and look at the person giving me the answers. I'm not comfortable dealing online with a company far away. I haven't made my final decision, but if USAA was significantly cheaper, I would consider them, even though my current insurance is higher. I like that I can go into their office and talk face-to-face, so I need to make my decision quickly. I'm leaning towards staying with my current insurance so I have more time to research and see if I can get comfortable with USAA, which is miles away and requires doing everything online. Even if they have offices, like in Atlanta, it's 2.5 hours away, and Nashville is 4.5 or 5 hours away. My insurance broker is currently 9 miles from my house.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Established in 1916, Auto-Owners is a Michigan-based insurance company that serves more than 3 million policyholders. Auto-Owners has standard car insurance coverage options, such as liability, collision, and comprehensive. It also has optional coverage, such as gap insurance and roadside service.
Pros
A.M. Best financial strength rating of A++ (Superior)
Various available discounts
Affordable premiums
Cons
Available in only 26 states
Can’t request quotes online
Lower IQ Score than some other insurers
Best insurer for discounts: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $72/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $120/mo |
4.5
Best choiceBased on 520 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (248)
Holly
Verified Review
Our Family
Reviewed in Ohio on October 2025
Wonderful and easy-to-use claims.
Janice
Verified Review
Excellent
Reviewed in Georgia on October 2025
So far, so good. I've never had to file a claim.
Charles Gary
Verified Review
Good service
Reviewed in Georgia on October 2025
Good, but rates are starting to skyrocket!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family is smaller than some other companies on the list, as it offers car insurance in only 19 states, including Nebraska. The company has some of the best rates for Omaha drivers and highly rated customer satisfaction, second only to Auto-Owners. American Family offers more auto insurance discounts than nearly any other insurer.
Pros
Many available discounts
Highly rated customer satisfaction
Affordable premiums
Cons
Below-average digital experience
Fewer optional coverages than many insurers
Not the overall cheapest rates
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $134/mo |
4.9
Best choiceBased on 2,459 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,326)
Yolande
Verified Review
It was easy to complete
Reviewed in Kentucky on December 2025
It's great. I have no problems with them and would tell my friends if they want an insurance company where they can speak to a human, this is the company to go with.
Al
Verified Review
Poor
Reviewed in Georgia on December 2025
Hold true rates, no fake $38.00 per month.
Cheryl
Verified Review
Skyrocketing Rates
Reviewed in Massachusetts on December 2025
I assume it is like most others. USAA is, of course, offered to military personnel, retired military, and their families. Since my bill has skyrocketed to $1,459, I have been upset that my car costs that much to insure. I have had this car since January 2016. I haven't had any accidents, I don't drink alcohol, and my car mostly sits in the garage. It has approximately 67,800 miles on it. My bill is up over $200 from last year and the same for the year before. I just don't understand. Make of it what you will.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA has a reputation as the best insurance company for military families and veterans. The company has affordable insurance premiums, highly rated customer satisfaction, and the third-highest Insurify Quality (IQ) Score of any company Insurify rated.
Pros
High customer satisfaction ratings
Affordable premiums
Full-service financial institution
Cons
Available only to military families
Membership required
High number of complaints on Trustpilot
)
Read More: Cheapest Car Insurance Companies with Affordable Rates
How to get the cheapest car insurance in Omaha
Here are a few tips to help you find cheap car insurance in Omaha:
Shop around. As with any major purchase, shopping around for the best option for your needs and budget is important. The best ways to compare insurance companies are to request a quote directly from an insurer, call an independent insurance agent, or use an insurance-comparison website to see multiple quotes simultaneously.
Ask about discounts. Many insurance companies offer discounts to help lower your monthly premium. Discounts may include bundling discounts, good student discounts for teens, safe driving discounts, and more.
Increase your deductible. Choosing a higher deductible may help lower the cost of your car insurance. For example, if your deductible is $500, increasing it to $1,000 may lower your premium. Just make sure you can pay your deductible out of pocket in the event of a car accident.
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Find liability insurance for $90/month
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Cheapest liability-only car insurance in Omaha: Auto-Owners
Under Nebraska law, all drivers must carry liability car insurance. This insurance covers the costs of injuries or damage to the other driver or their property if you cause an accident.
It’s important to note that liability insurance doesn’t cover damage to your own vehicle. Liability insurance may make sense if you’d find it challenging to repair or replace your vehicle out of pocket.
Drivers in Omaha can expect to pay a monthly average of $90 for liability-only auto insurance.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $51 |
| National General | $67 |
| American Family | $72 |
| Root | $79 |
| USAA | $80 |
| GEICO | $82 |
| Safeco | $86 |
| Allstate | $87 |
| State Farm | $89 |
| AssuranceAmerica | $93 |
| The General | $100 |
| Bristol West | $106 |
| Nationwide | $119 |
| Dairyland | $122 |
| Liberty Mutual | $137 |
| Farmers | $148 |
| Shelter | $151 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Omaha: Auto-Owners
Full-coverage car insurance includes liability coverage as well as comprehensive and collision insurance. While liability coverage is mandatory in nearly every state, full-coverage insurance is optional. Though full-coverage insurance costs more than liability insurance, it offers stronger protection.
Liability insurance covers injuries and damages you cause to others and property in an at-fault accident. Full coverage expands your coverage to cover damage to your own vehicle. Full-coverage insurance may be right for you if you drive a newer or more expensive car or want more peace of mind.
Omaha drivers can expect to pay a monthly average of $158 for full-coverage auto insurance.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $86 |
| American Family | $120 |
| USAA | $134 |
| National General | $137 |
| GEICO | $138 |
| Allstate | $145 |
| State Farm | $150 |
| Safeco | $169 |
| Root | $171 |
| AssuranceAmerica | $193 |
| Nationwide | $202 |
| The General | $222 |
| Liberty Mutual | $231 |
| Bristol West | $246 |
| Farmers | $249 |
| Shelter | $254 |
| Dairyland | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Omaha, Nebraska
Recent Omaha, Nebraska car insurance prices for Chevrolet, BMW, Buick , and more.
*Quotes generated for Insurify users in and around Omaha, Nebraska within the last 10 days. Last updated on December 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 11, 2025. 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 December 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Nebraska
Nebraska is a traditional “fault,” or “tort,” state, meaning drivers are considered financially responsible for accidents they cause. Unlike some states, Nebraska requires drivers to have uninsured/underinsured motorist coverage and liability insurance.[1]
Nebraska drivers are required to carry proof of financial responsibility in their vehicle at all times, which must include one of the following:
Certificate of insurance
$75,000 surety or property bond
Certificate of deposit
Certificate of self-insurance[2]
Nebraska drivers must carry the following amounts of insurance:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
| Uninsured/underinsured motorist bodily injury liability |
|
The amounts above represent the bare-minimum coverage you need to drive legally in Omaha. You should consider additional coverage options if you want help in repairing or replacing your own vehicle after an at-fault accident:
Medical payments coverage
Medical payments coverage helps pay for your and your passengers’ medical bills after an accident.
Gap insurance
Gap insurance covers the difference between what you owe on your car and its value in the event of a total loss. That way, you won’t owe money on a loan for a vehicle you no longer drive.
Roadside assistance
If your car breaks down, roadside assistance coverage helps pay for tows, battery jump-starts, fuel delivery, and more.
Cheapest car insurance for drivers with an incident
Your insurance costs may rise after incidents like at-fault accidents, speeding tickets, and other moving violations. DUIs can be particularly harmful, as they’re considered misdemeanors in most states and can result in thousands of dollars in fines and jail time.
Many insurers believe if someone experiences one of these incidents on the road, it increases the likelihood of additional incidents, leading them to raise rates. The good news is incidents should affect your rates less over time if you practice safe driving habits.
Here are the average rates for drivers with an incident in Omaha.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you have speeding tickets on your driving record, it signals increased risk to insurance companies, as speeding can cause accidents. To account for the increased risk, auto insurers adjust rates accordingly.
Drivers in Omaha with a speeding ticket on record can expect to pay a monthly average of $114 for liability-only auto insurance and $201 for full-coverage auto insurance.
Below are the average rates for Omaha drivers with a speeding ticket.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $51 | $66 |
| National General | $67 | $84 |
| American Family | $72 | $93 |
| Root | $79 | $105 |
| USAA | $80 | $103 |
| GEICO | $82 | $107 |
| Safeco | $86 | $114 |
| Allstate | $87 | $113 |
| State Farm | $89 | $113 |
| AssuranceAmerica | $93 | $119 |
| The General | $100 | $134 |
| Bristol West | $106 | $133 |
| Nationwide | $119 | $154 |
| Dairyland | $122 | $153 |
| Liberty Mutual | $137 | $176 |
| Farmers | $148 | $189 |
| Shelter | $151 | $201 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
An at-fault accident occurs when one driver is considered responsible for causing an accident. Not only must the at-fault driver pay for any damages and injuries to the other driver and their passengers, but their insurance rate will typically increase, too.
Some insurance companies offer accident forgiveness for your first accident, but offerings vary by insurer. Omaha drivers with an at-fault accident on record can expect to pay a monthly average of $120 for liability-only coverage and $211 for full coverage.
Below are the average monthly rates for Omaha drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $51 | $67 |
| National General | $67 | $89 |
| American Family | $72 | $96 |
| Root | $79 | $104 |
| USAA | $80 | $107 |
| GEICO | $82 | $106 |
| Safeco | $86 | $121 |
| Allstate | $87 | $116 |
| State Farm | $89 | $117 |
| AssuranceAmerica | $93 | $124 |
| The General | $100 | $138 |
| Bristol West | $106 | $139 |
| Nationwide | $119 | $159 |
| Dairyland | $122 | $161 |
| Liberty Mutual | $137 | $183 |
| Farmers | $148 | $196 |
| Shelter | $151 | $202 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence is a serious driving offense. Under Nebraska law, if your license is suspended or revoked due to a court conviction, your insurance company must file an SR-22 certificate as a condition of license reinstatement.[4]
Finding affordable insurance with a DUI on your record can be challenging. It’s important to shop around and compare quotes from multiple insurers to find the best rate.
Drivers in Omaha with a DUI can expect to pay a monthly average of $116 for liability-only coverage and $204 for full coverage.
Below are the average rates for drivers with a DUI in Omaha.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $51 | $71 |
| National General | $67 | $93 |
| American Family | $72 | $100 |
| Root | $79 | $109 |
| USAA | $80 | $111 |
| GEICO | $82 | $112 |
| Safeco | $86 | $127 |
| Allstate | $87 | $120 |
| State Farm | $89 | $123 |
| AssuranceAmerica | $93 | $129 |
| The General | $100 | $138 |
| Bristol West | $106 | $147 |
| Nationwide | $119 | $165 |
| Dairyland | $122 | $169 |
| Liberty Mutual | $137 | $190 |
| Farmers | $148 | $205 |
| Shelter | $151 | $208 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Learn More: How Long Does a DUI Stay on Your Record?
Cheapest car insurance for seniors: Auto-Owners
Age affects car insurance rates, with the youngest and oldest drivers typically paying the highest rates. Rates tend to decrease around age 35 but increase around age 70.
Insurance companies consider older drivers risky because they’re more likely to have health conditions that affect their driving capabilities. Senior drivers are also more likely to suffer serious injuries from a car accident, resulting in higher claims.
Drivers in Omaha older than 60 can expect to pay a monthly average of $73 for liability-only auto insurance and $128 for full-coverage auto insurance.
Below are the average rates for senior drivers in Omaha.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $39 | $66 |
| National General | $51 | $104 |
| American Family | $56 | $93 |
| USAA | $63 | $106 |
| GEICO | $63 | $106 |
| Root | $64 | $139 |
| State Farm | $68 | $115 |
| Allstate | $69 | $115 |
| AssuranceAmerica | $70 | $145 |
| Safeco | $73 | $144 |
| The General | $81 | $180 |
| Bristol West | $85 | $198 |
| Nationwide | $88 | $150 |
| Dairyland | $99 | $241 |
| Shelter | $104 | $175 |
| Liberty Mutual | $111 | $187 |
| Farmers | $114 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teens typically pay the most for car insurance. Insurers rely on data to estimate risk, and data shows that teens ages 16 to 19 are more likely to be in a motor vehicle crash than any other age group.[5] Some ways to manage costs are to take a defensive driving course, look into good student discounts, and consider staying on your parents’ insurance.
Here are some of the cheapest monthly quotes for teen drivers in Omaha. Teen drivers in Omaha can expect to pay a monthly average of $185 for liability-only auto insurance and $325 for full-coverage auto insurance.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $107 | $181 |
| National General | $144 | $293 |
| American Family | $144 | $241 |
| Root | $147 | $318 |
| USAA | $157 | $264 |
| GEICO | $158 | $266 |
| Allstate | $182 | $304 |
| State Farm | $182 | $308 |
| Safeco | $184 | $362 |
| The General | $186 | $414 |
| AssuranceAmerica | $198 | $412 |
| Bristol West | $202 | $468 |
| Dairyland | $218 | $530 |
| Nationwide | $246 | $418 |
| Liberty Mutual | $258 | $436 |
| Farmers | $309 | $520 |
| Shelter | $320 | $538 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Read More: The 10 Best and Worst Car Insurance Comparison Sites
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Omaha car insurance quotes by credit tier
Nebraska insurers can consider your credit history when setting your insurance rates. This often results in people with excellent or good credit getting lower rates than those with poor credit. Whether you have good or bad credit, comparing quotes from multiple insurers can help you find the best coverage and price for your needs.
Here are the average monthly quotes by credit tier in Omaha.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Omaha?
The average cost of a full-coverage car insurance policy in Omaha is $158 per month, much higher than the state average of $68. Auto insurance is also more expensive in Omaha than in Lincoln and Bellevue.
More cities in Nebraska
Here’s how other cities in the state of Nebraska stack up to Omaha in terms of car insurance rates.
Omaha car insurance FAQs
Finding the best car insurance can be a challenge. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Omaha.
How much is car insurance in Omaha?
Car insurance in Omaha costs $124 per month, on average. Drivers in the state pay $158 per month for full-coverage insurance and $90 per month for liability coverage.
Your exact premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Omaha?
With an Insurify Quality (IQ) Score of 8.2 out of 5 and an AM Best financial strength rating of A++ (Superior), Auto-Owners is the best car insurance company in Omaha.
Of the insurers Insurify has rate data for, other top Omaha choices include American Family and USAA.
Is car insurance more expensive in Nebraska?
Car insurance in Nebraska costs an average of $100 — similar to the national average monthly rate of $138. But it’s much cheaper than many other states’ average monthly rates, including Colorado, Missouri, and Minnesota.
How do you compare the cheapest insurance companies in Omaha?
The best ways to compare the cheapest insurance companies in Omaha are to get a quote directly from an insurer, call an insurance agent, or use an insurance-comparison website to compare quotes side by side.
Which company has the cheapest car insurance in Omaha?
Omaha drivers can find the cheapest auto insurance from Auto-Owners.
Methodology
Insurify data scientists analyzed more than 90 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Nolo. "Nebraska Car Insurance Requirements."
- Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)."
- Nebraska Department of Insurance. "Auto Liability Insurance."
- Nebraska Department of Motor Vehicles. "SR-22 For Revocations/Suspensions."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
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Theresa Stevens
Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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