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

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.

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, 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.

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.