Cheapest and Best Car Insurance Companies in Omaha, NE

The ideal insurer for you will depend on your needs as a customer and your driving profile. The cheapest minimum and full coverage auto insurance in Omaha is offered by American National. It is also the most affordable option for military drivers and drivers with offenses, while Allstate has the best offers for teen drivers.

In MoneyGeek’s overall ranking, Shelter is the best for customer service, while American National is the best overall insurer and the best cheap insurer in Omaha.

The following insurance companies offer the cheapest minimum coverage rates in Omaha, as determined by MoneyGeek's assessment of 12 providers:

• American National: $189 per year
• Auto-Owners Insurance: $295 per year

Shelter has the most expensive minimum coverage in the city, with yearly prices averaging $727 as of October 2022.

Zooming out for a statewide look, American National also has the cheapest car insurance in Nebraska, at $138, which is considerably more affordable than the same company’s rates in Omaha.

The minimum liability limits for Omaha are determined by Nebraska law. Third-party injuries and personal property damage are covered by Nebraska’s minimum insurance requirements. The state also requires protection against uninsured and underinsured motorists.

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

If your bodily injury liability is $50,000 per accident, and you cause $80,000 in third-party injuries, your insurer will pay $50,000 and you’ll pay the remaining $30,000 yourself.

The following companies offer the most affordable full coverage auto insurance in Omaha:

• American National: $478 per year
• Auto-Owners Insurance: $756 per year

State Farm's full coverage in Omaha has the highest yearly premiums at $1,457.

On a statewide basis, American National's annual premium of $405 is the cheapest full coverage car insurance in Nebraska and is also less expensive than in Omaha.

Full coverage insurance includes comprehensive and collision insurance in addition to your standard liability coverage. The following are its components:

• Collision Insurance: Covers damages from collisions with other vehicles or objects.
• Comprehensive Insurance: Covers damages from non-collision incidents like theft, natural disasters, weather events and more.

Full coverage offers more protection, but if you own an older car, it might not be worth paying hundreds more per year for insurance coverage.

One company offers the cheapest car insurance in Omaha for drivers with any of the following violations on their records:

• Speeding ticket: American National ($551 per year)
• At-fault accident: American National ($629 per year)
• DUI: American National ($694 per year)

The following insurers offer the most expensive prices: Shelter ($2,514 for a speeding ticket and $2,826 for an at-fault accident) and AAA ($4,994 for a DUI).

Violations can significantly increase your rates, and the most affordable company for drivers with bad records will still be much more expensive than the same company’s coverage for clean drivers.

More severe violations tend to increase insurance rates more than minor offenses. For example, the cheapest policy in Omaha for a driver with a speeding ticket is $143 less per year on average than the most affordable plan for a driver with a DUI.

Acquiring affordable auto insurance despite a poor driving record is still possible if you shop around and compare rates.

The following companies offer the most affordable auto insurance for teen drivers added to a family policy in Omaha:

• Allstate: $2,214 per year for teen boys and girls
• Auto-Owners Insurance: $2,517 per year for teen girls; $2,710 per year for teen boys

Due to their higher risk, teen boys frequently spend more on car insurance than teen girls. For example, Auto-Owners’ average rate for teen boys in Omaha is higher than its rate for teen girls. However, this difference drops off as teens mature into young adults.

If teenagers purchase their own insurance, the cost of the policy will be significantly higher. An individual policy for a teen boy in Omaha would cost around $3,008 more than adding the teen to a family plan.

By comparing insurance rates, families can find the cheapest auto insurance for teens and save money.

Based on MoneyGeek’s analysis, the following companies offer the cheapest full coverage auto insurance in Omaha for military members and their families:

• American National: $478 per year
• Auto-Owners Insurance: $756 per year

American National is likewise the least expensive option in Omaha if you only buy minimum coverage, costing roughly $189 a year.

USAA is an insurance company that offers coverage only to service members and their families. Even though it isn’t one of the cheapest options in Omaha, it’s still worth a look.

Get quotes from at least three insurance providers in Omaha to obtain a more realistic idea of average pricing and coverage options. Note that it can take 15 minutes or more just to get a quote from one company because you have to enter lots of personal information.

MoneyGeek’s car insurance calculator can help by providing rough estimates based on your age, car type, coverage levels and driving record.

The best insurer for you will depend on your personal profile and your unique needs. These are the top car insurance companies in Omaha in three crucial areas:

• Best overall: American National (MoneyGeek score of 83 out of 100)
• Best for service: Shelter (MoneyGeek score of 68 out of 100)
• Best cheap: American National (MoneyGeek score of 83 out of 100)

Each company’s overall MoneyGeek score can change depending on how we weigh different factors in various categories. In addition, location makes a big impact, as the best car insurance in Nebraska is from GEICO, a company that is not one of our top picks for Omaha.

For military families, USAA is also a good choice, earning a MoneyGeek score of 78 out of 100.

Out of the 12 auto insurance providers we analyzed in Omaha, the following two companies emerged as the best ones:

• American National: MoneyGeek score of 83 out of 100 ($478 per year)
• Auto-Owners Insurance: MoneyGeek score of 73 out of 100 ($756 per year)

American National was able to maintain its position as Omaha's top auto insurance provider, thanks to its high scores for both customer satisfaction and affordability.

When we exclude costs from our analysis, the following auto insurance providers in Omaha stand out for providing the best customer service:

• Shelter: MoneyGeek score of 68 out of 100 ($1,344 per year)
• American National: MoneyGeek score of 67 out of 100 ($478 per year)

Despite having some of the highest auto insurance prices in the city, Shelter received high ratings for client satisfaction, making it the best auto insurance provider in Omaha for customer service.

According to our data, the following companies are the top providers of cheap minimum coverage auto insurance in Omaha, Nebraska:

• American National: MoneyGeek score of 83 out of 100 ($189 per year)
• Auto-Owners Insurance: MoneyGeek score of 76 out of 100 ($295 per year)

Buying the most affordable minimum coverage car insurance will have the lowest rates. However, it provides limited protection against third-party liability costs and no protection at all for your own car.

The average yearly rate of car insurance in Omaha ($1,052) is considerably higher than the average cost of car insurance in Nebraska ($955). However, Omaha’s rate is still lower than the national average of $1,265 as of October 2022.

These full coverage premiums include bodily injury liability limits of $100,000 per accident and $300,000 per person. These policies also include $100,000 per accident for property damage liability. The cost of insurance is influenced by a number of factors, not just location.