Cheap Auto Insurance Quotes in Omaha, NE (2021)

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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.

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 Carriers
Quotes ($/mo)
$67
$82
$98
$107
$147
AllstateState FarmProgressiveTravelersNationwide
Monthly $

Cheapest Car Insurance in Omaha, NE

Here are the cheapest carriers in Omaha for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Omaha. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$112
$92
$124
$102
$111
$133
NebraskaLincolnBellevueGrand IslandKearneyOmaha
Monthly $

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Omaha, NE Driving Facts

nebraska

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.

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

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.

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.

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.

Conclusion: 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.

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

Insurify Insights: How Omaha Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Omaha, NE
suspended licenses
#4
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Omaha drivers measure up to their fellow Nebraska motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Omaha

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 paid on average 45.51% more than drivers with a clean record

Speeding Omaha

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 paid on average 43.11% more than drivers with a clean record

DUI/DWIs Omaha

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 paid on average 18.56% more than drivers with a clean record

Most Popular Vehicle Omaha

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.

Rude Omaha

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 paid on average 54.49% more than drivers with a clean record.

Safest Drivers Omaha

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%

Failure to Yield the Right of Way Omaha

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 paid on average 3200% more than drivers with a clean record

Reckless Drivers Omaha

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%

Hybrid/Electric Vehicle Ownership Omaha

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%
Most Patriotic City

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.


FAQs - Omaha, NE Car Insurance

Whose insurance company pays for an accident in Nebraska?

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.

What is the best car insurance company in Omaha, Nebraska?

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.

If I get comprehensive coverage, will it cover everything?

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.