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Cheap Auto Insurance Quotes in Omaha, NE (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Stephen DeFord

Last Updated February 4, 2022

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If you’re not from Omaha, you might think that the Cornhuskers State is covered east to west in prairies and old wagon ruts. However, its city streets are just as metropolitan as you’ll find anywhere else and have similar problems and pitfalls.

With worsening traffic congestion, even the highway improvement plans the city has in place aren’t going to fix everything for the daily driver. The best choice drivers can make is taking charge of how much they pay for the insurance policies they have in place and how to find the better deals that are surely out there.

Quick Facts

  • The average cost of car insurance in Omaha is $183 per month, or $2196 annually.
  • Car insurance in Omaha is $28 more than the average cost of car insurance in Nebraska.
  • The cheapest car insurance provider in Omaha on average is Travelers, but you should always compare quotes to find your best personal rate.

Car Insurance in Omaha, NE

The average cost of Nebraska car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Omaha, NE to find you the cheapest quotes in the area.

Quotes by Top Companies

Allstate
$67
State Farm
$82
Progressive
$98
Travelers
$107
Nationwide
$147

Cheapest Car Insurance in Omaha, NE

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in OmahaQuotes
Allstate$67 /mo
State Farm$82 /mo
Progressive$98 /mo
Travelers$107 /mo
Nationwide$147 /mo

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Best Car Insurance in Omaha, NE

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Omaha. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Clearcover97$202 /mo
American Family89$157 /mo
Nationwide89$219 /mo
Safeco86$182 /mo
Liberty Mutual82$208 /mo

Average Car Insurance Cost

Nebraska Cities
Lincoln$92/mo
Bellevue$124/mo
Grand Island$102/mo
Kearney$143/mo
Omaha$133/mo
Nebraska$119/mo
Lincoln
$92
Grand Island
$102
Average for NE
$119
Bellevue
$124
Omaha
$133
Kearney
$143
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in NE

Minimum car insurance laws are as varied as the U.S. states. With each state enforcing different rules and regulations, it can be confusing to know what’s required from what’s recommended from what’s only going to make your premium more expensive. Let us help you with that.

In Nebraska, drivers are required to purchase car insurance coverage meeting at least the following minimums:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage
  • $25,000/$50,000 uninsured and underinsured motorist bodily injury protection

Uninsured and underinsured motorist coverage cannot be waived. Its minimums can be increased for drivers with families or those looking for added peace of mind. For increases, drivers typically need to notify their insurance company in writing. 

Omaha Car Insurance Rates by Driver Age

Because experienced drivers carry less risk, Omaha drivers in their 60s pay significantly less for car insurance on average than other drivers by age group. A 20-year-old driver in this city pays an average of $253 a month for car insurance, while car insurance rates for someone in their 60s here run an average of only $160 a month. Another good age to be for the best insurance rates in Omaha? The thirtysomething crowd has the third-cheapest car insurance rates here by age category, paying just $188 in average car insurance premiums.

Driver's AgeAvg. Monthly Cost
teens$406
20s$254
30s$189
40s$251
50s$206
60s$161
70s$149
80s$126

Omaha Car Insurance Rates by Driving and Accident History

In Omaha, running a stop sign can have a serious impact on your insurance rates. On average, Omaha drivers caught running a red light are paying a whopping $291 for car insurance each month. While drivers with a clean record pay an average of $202 in monthly insurance premiums, run a red light, and you’ll pay significantly more. Speeding or an at-fault accident can raise insurance rates too. Omaha drivers pay $229 and $252 per month, respectively, for these driving mistakes.

Driving HistoryAvg. Monthly Cost
No Violation$203
Speeding Ticket$230
At-Fault Accident$253
Failure to Stop for Red Light / Stop Sign$292

Omaha Car Insurance Rates by Credit Tier

Car insurance rates are determined by calculating a driver’s risk. Your credit score is one thing that goes into making this calculation. If you’re asking why, it’s because data crunchers have determined that a credit score can say a lot about a person’s chances of filing a claim. If you haven’t considered your credit score before, you probably should. Omaha drivers with an excellent credit score pay on average $187 per month for car insurance.

Credit TierAvg. Monthly Cost
Excellent$188
Good$226
Average$233
Poor$214

Find local Omaha agents

  • Oracle Insurance Agency Inc 

    9829 S 168th Ave,
    Ste 48, OMAHA, NE 68136-1103
  • SilverStone Group, a HUB International company 

    11516 Miracle Hills Drive,
    Omaha , NE 68154
  • My Insurance 

    10715 S 174Th Ave,
    Omaha, NE 68136
  • Don Kroupa Insurance Agency 

    12865 Deauville Dr,
    Ste 1, Omaha, NE 68137-3246
  • Omaha Insurance Services - Michael Musselman 

    11132 O St,
    Omaha, NE 68137
  • Retailers Insurance Group 

    2422 Nelsons Creek Dr,
    Omaha, NE 68116-4116
  • Chastain Ins Agency Inc 

    10822 Old Mill Rd Ste 2,
    Omaha, NE 68154-2608
  • Nick Hall Agency, LLC 

    11602 W Center Rd Ste 150,
    Omaha, NE 68144
  • Catalyst Insurance Group, LLC 

    3850 S 149Th St,
    Ste 102, Omaha, NE 68144
  • Legacy Insurance Services, LLC

    405 N 115Th St,
    Omaha, NE 68154-2506
View more

Omaha, Nebraska DMV Information

Driver’s licensing services in the state can get a little confusing because they are split between state and county offices. Basically, you need to know that you can obtain a driver's license in any Nebraska DMV driver licensing office while vehicle titles and registrations are issued in the county where you reside. There are two driver licensing offices in Omaha and one in Bellevue. As for those registrations, Omaha sits in Douglas County, where there are five county branches to serve you.

Public Transportation in Omaha, Nebraska

Metro Omaha offers bus, bus rapid transit, and paratransit transportation options. Most recently, it launched a new system—Omaha Rapid Bus Transit (ORBT)—to streamline transportation and get residents around the city faster. ORBT serves 23 stations and four stops along its eight-mile route from Westroads to downtown. The difference between bus and bus rapid transit services is that the rapid transit line uses smart technology and a different kind of bus (one with a flexible, accordion-shaped piece in the middle). These service the city more frequently (every 10 minutes). Their stations use digital displays and audio announcements to track and announce stops, and raised platforms for level boarding mean improved accessibility and quicker boarding/deboarding. Park & Ride options as well as shared van rides for citizens with disabilities (MOBYride) are also featured modes of transportation. Omaha’s bikesharing system (Heartland B-cycle) allows cyclists to travel at their leisure, while on-demand ride services include the usual suspects: Uber and Lyft.

Most Patriotic City

Omaha

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Bellevue won Insurify's Most Patriotic Cities Award for the state of Nebraska. Bellevue is widely purported to be Nebraska's oldest city, and is adjacent to Offutt Air Force Base.

How to get the best and cheapest car insurance in Omaha, Nebraska

Although prairies do dot the Nebraska landscape, those who call Omaha home are more likely to be found behind a good cup of coffee than a wagon train. And though many of their ancestors may have played a part in settling the West, there are several reasons they shouldn’t be too settled on the car insurance they carry.

First, never has there been a time in our history where technology has played such a huge part in our getting exactly what we want when we want it. That goes for car insurance too. Today’s AI-based insurance comparison sites like Insurify can whip up quotes from top national and regional carriers in minutes. And second, switching carriers is easier than people think. As long as you have a new insurance policy in place before you cancel the old one, you’re golden.

FAQs - Omaha, NE Car Insurance

  • States are either at-fault or no-fault car accident states. Nebraska is an at-fault”car accident state, which means that the financial responsibility for an accident is always held by the person who caused the accident. Therefore, it is their insurance company that pays for any financial losses stemming from the accident, including injuries and lost income. You might also hear at-fault states referred to as tort states.
  • The word “best” means something a little different to everyone. But at Insurify, you can view the best car insurance companies per city by looking at how companies rank using the Insurify Composite Score. This score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company, including industry reports, surveys, mobile app reviews, and user-generated reviews. As of this writing, the best car insurance companies in Omaha according to the Insurify Composite Score include American Family, Allstate, Nationwide, State Farm, Travelers, and Progressive. “Best” can also mean best for your wallet. Shopping insurance plans using Insurify can help you find that too.
  • No. Even though the word itself tends to mean “full” or “complete,” in the insurance industry, it has a much more particular meaning. Comprehensive coverage covers things that might happen to your car outside of a collision—fires and floods included. Many times, these types of often costly events are also known as “acts of God.” Other types of coverage that you may buy depending on the state in which you live and personal preferences include bodily injury (BI) and property damage (PD) liability coverage, personal injury protection (PIP), collision coverage, and uninsured/underinsured motorist (UM/UIM) coverage.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Omaha Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Omaha, Nebraska below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Omaha drivers measure up to their fellow motorists across Nebraska in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Omaha

#2

City with the Most Speeding Tickets Rank in Nebraska

#3

City with the Most Moving Violations Rank in Nebraska

#3

City with the Most DUIs Rank in Nebraska

#3

City with the Most Suspended Licenses in Nebraska

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Omaha drivers rank 2 in the number of car accidents per driver across all cities in Nebraska.

    • Rank within state: #2
    • Percent of drivers in Omaha with an accident: 14.52%
    • Drivers in Omaha, NE with an accident in their driving history pay on average 45.51% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nebraska, Omaha drivers rank 2 in the number of speeding infractions per driver.

    • Rank within state: #2
    • Percent of drivers in Omaha with a speeding ticket: 12.66%
    • Drivers in Omaha, NE with a speeding ticket in their driving history pay on average 43.11% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Omaha drivers rank 3 in the number of DUI’s per driver across all cities in Nebraska.

    • Rank within state: #3
    • Percent of drivers in Omaha with a DUI: 3.79%
    • Drivers in Omaha, NE with a DUI in their driving history pay on average 18.56% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Omaha is the Honda Civic.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Nebraska, Omaha drivers rank 1 in rude driving infractions.

    • Rank within state: #1
    • Percent of drivers in Omaha with a reckless driving violation: 3.38%
    • Drivers in Omaha, NE with a reckless driving violation in their driving history pay on average 54.49% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Omaha drivers rank 1 in clean driving records across all cities in Nebraska.

    • Rank within state: #1
    • Percent of drivers in Omaha with clean record: 74.1%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Omaha drivers rank 2 in failure to yield violations per driver across all cities in Nebraska.

    • Rank within state: #2
    • Percent of drivers in Omaha with a failure to yield violation: 0.82%
    • Drivers in Omaha, NE with a failure to yield violation in their driving history pay on average 3200% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Nebraska, Omaha drivers rank 2 in the number of reckless driving offenses per driver.

    • Rank within state: #2
    • Percent of drivers in Omaha with a reckless driving offense: 0.18%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Omaha drivers rank 3 in hybrid and electric vehicle ownership across all cities in Nebraska.

    • Rank within state: #3
    • Percent of drivers in Omaha with a hybrid/electric vehicle: 0.47%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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