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.
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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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 $92 per month for liability-only coverage and the state average of $220 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
8.5
$40
$25
Full coverage
American Family
9.1
$56
$34
Discounts
USAA
9.4
$62
$38
Military members and families
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.
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 28,000 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.
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.
8.5/10
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.
$30/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.
$48/mo
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)
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.
$41/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.
$67/mo
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.
Outstanding customer service, but the rates are high.
Kathy - July 22, 2024
Verified
My American Family Experience
It's been wonderful. However, the premiums have become too high. I would have stayed if not for this. I had been with them for over 20 years.
Shannon - July 15, 2024
Verified
Needs Better Office Management
The agent I was assigned to, after my previous agent left, lacked professionalism and bedside manners. However, the corporate office was great to work with.
…
Best insurer for military members and their families: USAA
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.
9.4/10
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.
$46/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.
$74/mo
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.
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
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.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$30
American Family
$41
USAA
$46
GEICO
$48
Allstate
$50
State Farm
$52
Clearcover
$66
Nationwide
$68
National General
$72
Safeco
$72
Progressive
$73
AssuranceAmerica
$83
Farmers
$85
Shelter
$86
Dairyland
$105
Liberty Mutual
$122
The General
$122
Foremost
$125
Bristol West
$146
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $257 for full-coverage auto insurance.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$48
American Family
$67
USAA
$74
GEICO
$77
Allstate
$82
State Farm
$83
Clearcover
$102
Nationwide
$111
Progressive
$119
Farmers
$138
Shelter
$141
Midvale Home & Auto
$150
AssuranceAmerica
$153
National General
$155
Safeco
$176
Liberty Mutual
$237
Dairyland
$259
Foremost
$297
Bristol West
$337
The General
$339
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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:
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:
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 $182 for liability-only auto insurance and $399 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners
$30
$41
American Family
$41
$56
USAA
$46
$63
GEICO
$48
$65
Allstate
$50
$68
State Farm
$52
$70
Clearcover
$66
$91
Nationwide
$68
$94
National General
$72
$98
Safeco
$72
$100
Progressive
$73
$100
AssuranceAmerica
$83
$115
Farmers
$85
$115
Shelter
$86
$122
Dairyland
$105
$144
Liberty Mutual
$122
$182
The General
$122
$168
Foremost
$125
$186
Bristol West
$146
$198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $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.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Auto-Owners
$30
$42
American Family
$41
$58
USAA
$46
$65
GEICO
$48
$68
Allstate
$50
$71
State Farm
$52
$73
Clearcover
$66
$99
Nationwide
$68
$97
National General
$72
$103
Safeco
$72
$99
Progressive
$73
$105
AssuranceAmerica
$83
$117
Farmers
$85
$120
Shelter
$86
$126
Dairyland
$105
$148
Liberty Mutual
$122
$187
The General
$122
$176
Foremost
$125
$192
Bristol West
$146
$204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $209 for liability-only coverage and $459 for full coverage.
Below are the average rates for drivers with a DUI in Omaha.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Auto-Owners
$30
$52
American Family
$41
$71
USAA
$46
$80
GEICO
$48
$83
Allstate
$50
$87
State Farm
$52
$90
Clearcover
$66
$114
Nationwide
$68
$118
National General
$72
$125
Safeco
$72
$125
Progressive
$73
$127
AssuranceAmerica
$83
$144
Farmers
$85
$147
Shelter
$86
$149
Dairyland
$105
$182
Liberty Mutual
$122
$212
The General
$122
$212
Foremost
$125
$217
Bristol West
$146
$253
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $75 for liability-only auto insurance and $165 for full-coverage auto insurance.
Below are the average rates for senior drivers in Omaha.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
$21
$33
American Family
$28
$46
USAA
$33
$52
GEICO
$34
$54
Allstate
$36
$58
State Farm
$36
$57
Nationwide
$45
$73
Progressive
$46
$75
Clearcover
$47
$73
National General
$50
$107
Safeco
$52
$128
Shelter
$53
$87
AssuranceAmerica
$55
$102
Farmers
$59
$95
Dairyland
$74
$183
Foremost
$86
$205
Liberty Mutual
$87
$169
The General
$88
$246
Bristol West
$104
$239
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $203 for liability-only auto insurance and $447 for full-coverage auto insurance.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
$51
$81
American Family
$71
$115
GEICO
$74
$119
USAA
$75
$121
Allstate
$86
$142
State Farm
$87
$139
Nationwide
$115
$187
Clearcover
$126
$195
Progressive
$130
$211
National General
$137
$295
Shelter
$145
$238
Farmers
$147
$239
Safeco
$147
$360
AssuranceAmerica
$152
$280
Dairyland
$172
$425
The General
$194
$538
Foremost
$219
$519
Liberty Mutual
$221
$429
Bristol West
$245
$564
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $257 per month, much higher than the state average of $92. 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.
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.
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 $187 per month, on average. Drivers in the state pay $257 per month for full-coverage insurance and $117 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 8.5 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 $156 — similar to the national average monthly rate of $160. 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
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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