Cheapest Auto Insurance in Omaha, Nebraska (2024)

Omaha drivers can expect to pay a monthly average of $117 for liability-only auto insurance and $257 per month for full coverage. That’s higher than the state average of $94 per month for liability-only coverage and the state average of $210 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.

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.

Best insurer for full coverage: Auto-Owners

Best insurer for discounts: American Family

Best insurer for military members and their families: USAA

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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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 $117 for liability-only auto insurance.

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 $257 for full-coverage auto insurance.

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]

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 $178 for liability-only auto insurance and $390 for full-coverage auto insurance.

Below are the average rates for Omaha drivers with a speeding ticket.

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 $185 for liability-only coverage and $407 for full coverage.

Below are the average monthly rates for Omaha drivers with an at-fault accident on their record.

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 $209 for liability-only coverage and $458 for full coverage.

Below are the average rates for drivers with a DUI in Omaha.

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 $80 for liability-only auto insurance and $176 for full-coverage auto insurance.

Below are the average rates for senior drivers in Omaha.

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 $211 for liability-only auto insurance and $463 for full-coverage auto insurance.

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.

Is car insurance more expensive in Omaha?

The average cost of a full-coverage car insurance policy in Omaha is $257 per month, much higher than the state average of $94. 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