The average car insurance quote in Omaha is $168 a month for liability only and $260 a month for full coverage. That’s higher than the state average of $142 a month for liability-only coverage but on par with the state average of $248 a 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

Nebraska insurers are allowed to use your credit score when setting your premium.
Omaha drivers pay more than the national monthly average for car insurance of $139.
Nebraska law requires drivers to carry liability insurance and uninsured/underinsured motorist coverage.

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Best 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

Full CoverageAuto-Owners

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.1
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	837
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.	$28/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

Overview

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 and cons

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

Reviews

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019

Verified

Good customer service

Debora - February 12, 2019

Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018

Verified

Read our Auto-Owners review

Best insurer for discounts: American Family

DiscountsAmerican Family

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.2
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	840
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.	$39/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.	$68/mo

Overview

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 and cons

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

Reviews

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023

Verified

Too expensive with terrible customer service

Urga - January 21, 2023

Verified

They have treated me really well.

Craig - January 7, 2023

Verified

Read our American Family review

Best insurer for military members and their families: USAA

Military Members and Their FamiliesUSAA

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
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.	$44/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.	$75/mo

Overview

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 and cons

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

Reviews

The representative was very helpful and caring. I felt valued.

Tawana - January 17, 2023

Verified

I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.

Christina - January 17, 2023

Verified

Exceptional customer service

Anthony - January 15, 2023

Verified

Read our USAA review

Read More: Cheapest Car Insurance Companies with Affordable Rates

Cheapest liability-only car insurance in Omaha

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.

Here are the average rates for liability-only car insurance in Omaha.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Auto-Owners	28
American Family	39
USAA	44
GEICO	45
Allstate	47
State Farm	48
Safeco	57
Clearcover	68
Progressive	70
AssuranceAmerica	81
Farmers	81
Midvale Home & Auto	81
Shelter	83
Dairyland	100
Foremost	102
Liberty Mutual	102
The General	104
Bristol West	135

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

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.

Below are the average rates for full-coverage auto insurance in Omaha.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Auto-Owners	48
American Family	68
USAA	75
GEICO	78
Allstate	82
State Farm	84
Clearcover	92
Travelers	98
Progressive	120
AssuranceAmerica	128
Safeco	129
Farmers	140
Midvale Home & Auto	141
Shelter	143
Liberty Mutual	189
Foremost	217
Dairyland	232
The General	268
Bristol West	292

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State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 35%

I’m a homeowner

Save 5%

I’m married

Save 24%

I have multiple cars

Save 39%

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	$25,000 per person $50,000 per accident
Property damage liability	$25,000
Uninsured/underinsured motorist bodily injury liability	$25,000 per person $50,000 per accident

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

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.

Below are the average monthly costs for drivers with speeding tickets in Omaha.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	71	42
American Family	101	58
USAA	112	65
GEICO	116	67
Allstate	122	70
State Farm	125	71
Clearcover	137	101
Progressive	178	104
AssuranceAmerica	190	120
Safeco	192	85
Farmers	208	120
Midvale Home & Auto	210	120
Shelter	213	123
Liberty Mutual	281	152
Foremost	323	152
Dairyland	345	149
The General	398	155
Bristol West	434	201

Cheapest car insurance for drivers with an at-fault accident

An at-fault accident is 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. Below are some of the lowest monthly rates for Omaha drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	74	43
American Family	104	60
USAA	115	67
GEICO	120	69
Allstate	126	72
State Farm	129	74
Clearcover	141	104
Progressive	184	107
AssuranceAmerica	196	124
Safeco	198	87
Farmers	215	124
Midvale Home & Auto	216	124
Shelter	219	127
Liberty Mutual	290	156
Foremost	333	156
Dairyland	356	153
The General	411	160
Bristol West	448	207

Cheapest car insurance for drivers with a DUI

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. Here are the average monthly rates for Omaha drivers with a DUI.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	83	49
American Family	118	68
USAA	130	76
GEICO	135	78
Allstate	142	81
State Farm	146	83
Clearcover	160	118
Progressive	208	121
AssuranceAmerica	222	140
Safeco	224	99
Farmers	243	140
Midvale Home & Auto	244	140
Shelter	248	144
Liberty Mutual	328	177
Foremost	376	177
Dairyland	402	173
The General	465	180
Bristol West	506	234

Learn More: How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors

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 75.

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.

Below are the average monthly car insurance quotes for seniors in Omaha.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	19	11
American Family	27	16
USAA	30	18
GEICO	31	18
Allstate	33	19
State Farm	34	19
Clearcover	37	27
Progressive	48	28
AssuranceAmerica	51	32
Safeco	52	23
Farmers	56	32
Midvale Home & Auto	57	32
Shelter	57	33
Liberty Mutual	76	41
Foremost	87	41
Dairyland	93	40
The General	108	42
Bristol West	117	54

Cheapest car insurance for teens

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.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	86	50
American Family	122	70
USAA	135	79
GEICO	140	81
Allstate	147	84
State Farm	151	86
Clearcover	165	122
Progressive	215	126
AssuranceAmerica	230	145
Safeco	232	102
Farmers	251	145
Midvale Home & Auto	253	145
Shelter	257	149
Liberty Mutual	339	183
Foremost	390	183
Dairyland	417	180
The General	481	187
Bristol West	524	242

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.

Read More: The 10 Best and Worst Car Insurance Comparison Sites

Find Car Insurance in Omaha, Nebraska

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Omaha car insurance quotes by credit tier

Nebraska insurers can consider your credit score when setting your insurance rates. This often results in people with excellent or good credit scores getting lower rates than those with poor credit scores. 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 $260 a month, much higher than the state average of $195. 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.

City	Average Monthly Quote	Compared to Omaha
Lincoln	$226	-13%
Bellevue	$252	-3%

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 $214 per month, on average. Drivers in the state pay $260 per month for full-coverage insurance and $168 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 4.0 out of 5 and an A.M. 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 $195, significantly higher than the national average monthly rate of $139. However, 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.

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.

More cities in Nebraska

Popular cities

Sources

Nolo. "Nebraska Car Insurance Requirements." Accessed July 28, 2023
Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)." Accessed July 28, 2023
Nebraska Department of Insurance. "Auto Liability Insurance." Accessed July 28, 2023
Nebraska Department of Motor Vehicles. "SR-22 For Revocations/Suspensions." Accessed July 28, 2023
Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed July 28, 2023

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.

Learn More

Edited byDanny SmithHome and Pet Insurance Editor

Danny SmithHome and Pet Insurance Editor

P&C license candidate in Massachusetts
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 PowersVP of Insurance Sales at Insurify

Shawn PowersVP of Insurance Sales at Insurify

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

Table of contentsCompare quotes

Find Car Insurance in Omaha

Best car insurance companies in Omaha

Best insurer for full coverage: Auto-Owners

Full CoverageAuto-Owners

Best insurer for discounts: American Family

DiscountsAmerican Family

Best insurer for military members and their families: USAA

Military Members and Their FamiliesUSAA

Read More: Cheapest Car Insurance Companies with Affordable Rates

Cheapest liability-only car insurance in Omaha

Cheapest full-coverage car insurance in Omaha

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Nebraska

Medical payments coverage

Gap insurance

Roadside assistance

Cheapest car insurance for drivers with an incident

Shop for Cheap Car Insurance in Omaha

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Learn More: How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Omaha

Read More: The 10 Best and Worst Car Insurance Comparison Sites

Find Car Insurance in Omaha, Nebraska

Omaha car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Omaha?

More cities in Nebraska

Omaha car insurance FAQs

Methodology

Related articles

More cities in Nebraska

Popular cities

Sources

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