Compare Rates and Save on Auto Insurance

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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.

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2023

Cheapest and Best Car Insurance in Omaha, NE

Cheapest Minimum Liability Car Insurance 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.

Company
Annual Premium
Monthly Premium

American National P&C

$189

$16

American National P&C

$214

$18

American National P&C

$223

$19

Auto-Owners Insurance Co

$295

$25

Auto-Owners Insurance Co

$300

$25

Farmers Mutual of Nebraska

$301

$25

Farmers Mutual of Nebraska

$334

$28

Auto-Owners Insurance Co

$398

$33

GEICO

$406

$34

GEICO

$432

$36

Farmers Mutual of Nebraska

$444

$37

Progressive

$445

$37

Iowa Farm Bureau

$451

$38

GEICO

$461

$38

American National P&C

$465

$39

Progressive

$470

$39

State Farm

$478

$40

American National P&C

$478

$40

State Farm

$506

$42

Iowa Farm Bureau

$519

$43

AAA

$553

$46

IMT Insurance Company

$563

$47

Progressive

$568

$47

IMT Insurance Company

$569

$47

Iowa Farm Bureau

$575

$48

AAA

$576

$48

American National P&C

$589

$49

Shelter

$590

$49

State Farm

$611

$51

Allstate

$666

$56

Allstate

$671

$56

Farmers

$709

$59

Auto-Owners Insurance Co

$713

$59

Shelter

$727

$61

AAA

$735

$61

Allstate

$744

$62

Auto-Owners Insurance Co

$756

$63

Farmers Mutual of Nebraska

$758

$63

Farmers

$759

$63

IMT Insurance Company

$846

$71

Farmers

$849

$71

Farmers Mutual of Nebraska

$892

$74

GEICO

$969

$81

GEICO

$1,025

$85

Auto-Owners Insurance Co

$1,038

$87

GEICO

$1,041

$87

Iowa Farm Bureau

$1,070

$89

Shelter

$1,094

$91

Allstate

$1,122

$93

IMT Insurance Company

$1,126

$94

Shelter

$1,142

$95

IMT Insurance Company

$1,177

$98

AAA

$1,177

$98

Allstate

$1,187

$99

Farmers Mutual of Nebraska

$1,206

$101

Iowa Farm Bureau

$1,226

$102

AAA

$1,250

$104

Progressive

$1,295

$108

Farmers

$1,318

$110

Iowa Farm Bureau

$1,320

$110

State Farm

$1,330

$111

Farmers

$1,337

$111

Shelter

$1,344

$112

Allstate

$1,381

$115

Progressive

$1,418

$118

State Farm

$1,457

$121

IMT Insurance Company

$1,554

$130

Farmers

$1,575

$131

Progressive

$1,755

$146

AAA

$1,774

$148

State Farm

$1,866

$156

Shelter

$2,063

$172

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.

Cheapest Full Coverage Car Insurance in Omaha

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.

Company
Annual Premium
Monthly Premium

American National P&C

$189

$16

American National P&C

$214

$18

American National P&C

$223

$19

Auto-Owners Insurance Co

$295

$25

Auto-Owners Insurance Co

$300

$25

Farmers Mutual of Nebraska

$301

$25

Farmers Mutual of Nebraska

$334

$28

Auto-Owners Insurance Co

$398

$33

GEICO

$406

$34

GEICO

$432

$36

Farmers Mutual of Nebraska

$444

$37

Progressive

$445

$37

Iowa Farm Bureau

$451

$38

GEICO

$461

$38

American National P&C

$465

$39

Progressive

$470

$39

State Farm

$478

$40

American National P&C

$478

$40

State Farm

$506

$42

Iowa Farm Bureau

$519

$43

AAA

$553

$46

IMT Insurance Company

$563

$47

Progressive

$568

$47

IMT Insurance Company

$569

$47

Iowa Farm Bureau

$575

$48

AAA

$576

$48

American National P&C

$589

$49

Shelter

$590

$49

State Farm

$611

$51

Allstate

$666

$56

Allstate

$671

$56

Farmers

$709

$59

Auto-Owners Insurance Co

$713

$59

Shelter

$727

$61

AAA

$735

$61

Allstate

$744

$62

Auto-Owners Insurance Co

$756

$63

Farmers Mutual of Nebraska

$758

$63

Farmers

$759

$63

IMT Insurance Company

$846

$71

Farmers

$849

$71

Farmers Mutual of Nebraska

$892

$74

GEICO

$969

$81

GEICO

$1,025

$85

Auto-Owners Insurance Co

$1,038

$87

GEICO

$1,041

$87

Iowa Farm Bureau

$1,070

$89

Shelter

$1,094

$91

Allstate

$1,122

$93

IMT Insurance Company

$1,126

$94

Shelter

$1,142

$95

IMT Insurance Company

$1,177

$98

AAA

$1,177

$98

Allstate

$1,187

$99

Farmers Mutual of Nebraska

$1,206

$101

Iowa Farm Bureau

$1,226

$102

AAA

$1,250

$104

Progressive

$1,295

$108

Farmers

$1,318

$110

Iowa Farm Bureau

$1,320

$110

State Farm

$1,330

$111

Farmers

$1,337

$111

Shelter

$1,344

$112

Allstate

$1,381

$115

Progressive

$1,418

$118

State Farm

$1,457

$121

IMT Insurance Company

$1,554

$130

Farmers

$1,575

$131

Progressive

$1,755

$146

AAA

$1,774

$148

State Farm

$1,866

$156

Shelter

$2,063

$172

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.

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Cheapest Car Insurance in Omaha After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

American National P&C

$225

$19

American National P&C

$255

$21

American National P&C

$264

$22

American National P&C

$265

$22

American National P&C

$297

$25

American National P&C

$300

$25

American National P&C

$313

$26

Farmers Mutual of Nebraska

$329

$27

Auto-Owners Insurance Co

$329

$27

Auto-Owners Insurance Co

$336

$28

American National P&C

$338

$28

American National P&C

$351

$29

Farmers Mutual of Nebraska

$365

$30

Farmers Mutual of Nebraska

$367

$31

Auto-Owners Insurance Co

$373

$31

Auto-Owners Insurance Co

$379

$32

Farmers Mutual of Nebraska

$406

$34

GEICO

$406

$34

GEICO

$432

$36

Auto-Owners Insurance Co

$444

$37

GEICO

$461

$38

Farmers Mutual of Nebraska

$487

$41

Auto-Owners Insurance Co

$505

$42

Progressive

$522

$44

State Farm

$527

$44

State Farm

$527

$44

Farmers Mutual of Nebraska

$540

$45

American National P&C

$543

$45

American National P&C

$551

$46

Progressive

$557

$46

State Farm

$559

$47

State Farm

$559

$47

Iowa Farm Bureau

$566

$47

State Farm

$578

$48

Progressive

$586

$49

Farmers Mutual of Nebraska

$600

$50

State Farm

$613

$51

Progressive

$618

$52

American National P&C

$626

$52

American National P&C

$629

$52

Progressive

$632

$53

GEICO

$647

$54

Iowa Farm Bureau

$653

$54

IMT Insurance Company

$657

$55

Farmers Mutual of Nebraska

$664

$55

IMT Insurance Company

$665

$55

State Farm

$675

$56

State Farm

$675

$56

Progressive

$679

$57

American National P&C

$684

$57

Auto-Owners Insurance Co

$692

$58

American National P&C

$694

$58

Auto-Owners Insurance Co

$695

$58

Iowa Farm Bureau

$695

$58

American National P&C

$699

$58

Iowa Farm Bureau

$722

$60

Allstate

$723

$60

Allstate

$729

$61

GEICO

$740

$62

State Farm

$741

$62

American National P&C

$787

$66

Iowa Farm Bureau

$800

$67

Allstate

$815

$68

Progressive

$815

$68

Allstate

$820

$68

Allstate

$830

$69

Farmers Mutual of Nebraska

$831

$69

Auto-Owners Insurance Co

$832

$69

Allstate

$838

$70

Allstate

$849

$71

GEICO

$862

$72

Farmers

$866

$72

American National P&C

$874

$73

Farmers Mutual of Nebraska

$883

$74

Auto-Owners Insurance Co

$885

$74

Iowa Farm Bureau

$888

$74

Progressive

$893

$74

Progressive

$905

$75

Iowa Farm Bureau

$912

$76

Auto-Owners Insurance Co

$922

$77

AAA

$922

$77

Farmers Mutual of Nebraska

$924

$77

Allstate

$939

$78

AAA

$946

$79

Auto-Owners Insurance Co

$956

$80

Allstate

$963

$80

GEICO

$969

$81

Farmers Mutual of Nebraska

$978

$81

Auto-Owners Insurance Co

$978

$82

IMT Insurance Company

$988

$82

Farmers

$990

$83

IMT Insurance Company

$991

$83

IMT Insurance Company

$1,000

$83

Farmers

$1,002

$83

Farmers

$1,003

$84

AAA

$1,003

$84

GEICO

$1,025

$85

AAA

$1,026

$86

GEICO

$1,041

$87

Iowa Farm Bureau

$1,051

$88

Farmers

$1,053

$88

GEICO

$1,057

$88

Farmers Mutual of Nebraska

$1,084

$90

Shelter

$1,118

$93

GEICO

$1,129

$94

Farmers

$1,140

$95

Farmers

$1,145

$95

Iowa Farm Bureau

$1,166

$97

Farmers

$1,184

$99

Farmers

$1,194

$99

AAA

$1,199

$100

Allstate

$1,213

$101

Auto-Owners Insurance Co

$1,214

$101

Shelter

$1,276

$106

Allstate

$1,282

$107

AAA

$1,299

$108

IMT Insurance Company

$1,307

$109

Farmers Mutual of Nebraska

$1,321

$110

Iowa Farm Bureau

$1,343

$112

GEICO

$1,344

$112

Auto-Owners Insurance Co

$1,350

$113

IMT Insurance Company

$1,363

$114

IMT Insurance Company

$1,367

$114

Allstate

$1,370

$114

IMT Insurance Company

$1,378

$115

Shelter

$1,380

$115

Shelter

$1,392

$116

Allstate

$1,401

$117

Allstate

$1,448

$121

State Farm

$1,449

$121

State Farm

$1,449

$121

Farmers Mutual of Nebraska

$1,467

$122

Allstate

$1,478

$123

IMT Insurance Company

$1,499

$125

Farmers Mutual of Nebraska

$1,505

$125

Allstate

$1,506

$126

Iowa Farm Bureau

$1,539

$128

GEICO

$1,540

$128

Progressive

$1,565

$130

State Farm

$1,568

$131

Progressive

$1,570

$131

Shelter

$1,574

$131

Auto-Owners Insurance Co

$1,580

$132

State Farm

$1,585

$132

State Farm

$1,585

$132

Iowa Farm Bureau

$1,648

$137

Auto-Owners Insurance Co

$1,659

$138

Iowa Farm Bureau

$1,660

$138

Farmers

$1,697

$141

State Farm

$1,712

$143

Shelter

$1,716

$143

Allstate

$1,721

$143

Progressive

$1,753

$146

Farmers

$1,761

$147

Allstate

$1,762

$147

GEICO

$1,763

$147

Farmers Mutual of Nebraska

$1,773

$148

Progressive

$1,775

$148

IMT Insurance Company

$1,812

$151

Farmers

$1,855

$155

AAA

$1,864

$155

Iowa Farm Bureau

$1,890

$157

Progressive

$1,903

$159

Shelter

$1,913

$159

Farmers

$1,933

$161

Farmers

$1,937

$161

GEICO

$1,942

$162

Farmers

$1,944

$162

AAA

$1,963

$164

IMT Insurance Company

$1,995

$166

AAA

$1,999

$167

Farmers

$2,022

$169

State Farm

$2,036

$170

State Farm

$2,036

$170

Iowa Farm Bureau

$2,036

$170

Shelter

$2,044

$170

IMT Insurance Company

$2,078

$173

IMT Insurance Company

$2,087

$174

Progressive

$2,090

$174

Farmers

$2,093

$174

AAA

$2,099

$175

Iowa Farm Bureau

$2,164

$180

Farmers

$2,179

$182

Shelter

$2,185

$182

State Farm

$2,206

$184

Shelter

$2,296

$191

Progressive

$2,302

$192

Auto-Owners Insurance Co

$2,352

$196

Progressive

$2,353

$196

Shelter

$2,378

$198

Farmers Mutual of Nebraska

$2,394

$200

IMT Insurance Company

$2,474

$206

Iowa Farm Bureau

$2,481

$207

Shelter

$2,514

$210

GEICO

$2,517

$210

Shelter

$2,557

$213

IMT Insurance Company

$2,577

$215

Progressive

$2,650

$221

Iowa Farm Bureau

$2,675

$223

GEICO

$2,687

$224

AAA

$2,705

$225

IMT Insurance Company

$2,769

$231

Shelter

$2,826

$236

AAA

$2,838

$237

AAA

$2,840

$237

AAA

$2,872

$239

GEICO

$3,022

$252

Shelter

$3,149

$262

Shelter

$3,475

$290

IMT Insurance Company

$3,529

$294

AAA

$3,551

$296

Shelter

$3,909

$326

Shelter

$4,356

$363

AAA

$4,864

$405

AAA

$4,994

$416

AAA

$6,422

$535

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.

Cheapest Car Insurance in Omaha for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Auto-Owners Insurance Co

$996

$2,900

Auto-Owners Insurance Co

$1,032

$2,848

GEICO

$1,131

$2,016

GEICO

$1,150

$2,016

Auto-Owners Insurance Co

$1,265

$3,491

Auto-Owners Insurance Co

$1,265

$3,951

Auto-Owners Insurance Co

$1,268

$3,692

Auto-Owners Insurance Co

$1,299

$4,520

Auto-Owners Insurance Co

$1,332

$3,675

GEICO

$1,342

$2,394

GEICO

$1,364

$2,432

GEICO

$1,376

$2,976

Auto-Owners Insurance Co

$1,379

$4,018

Auto-Owners Insurance Co

$1,400

$5,026

Auto-Owners Insurance Co

$1,413

$4,219

Allstate

$1,414

$2,545

Allstate

$1,414

$2,545

GEICO

$1,448

$2,537

Allstate

$1,457

$4,579

Allstate

$1,457

$4,579

Allstate

$1,462

$2,042

Allstate

$1,462

$2,042

GEICO

$1,487

$3,154

Allstate

$1,524

$2,128

Allstate

$1,524

$2,128

Auto-Owners Insurance Co

$1,543

$4,606

GEICO

$1,550

$2,717

Auto-Owners Insurance Co

$1,552

$5,073

Allstate

$1,562

$2,334

Allstate

$1,562

$2,334

Farmers

$1,570

$2,694

Auto-Owners Insurance Co

$1,591

$5,712

Allstate

$1,592

$2,224

Allstate

$1,592

$2,224

Auto-Owners Insurance Co

$1,599

$6,486

Farmers

$1,675

$2,989

Allstate

$1,692

$3,490

Allstate

$1,692

$3,490

GEICO

$1,723

$2,976

Allstate

$1,724

$3,103

Allstate

$1,724

$3,103

Progressive

$1,863

$3,196

State Farm

$1,878

$5,087

Progressive

$1,929

$3,381

Progressive

$1,953

$4,251

Allstate

$1,959

$6,157

Allstate

$1,959

$6,157

Progressive

$2,032

$3,487

Progressive

$2,088

$3,953

State Farm

$2,111

$5,719

Progressive

$2,152

$3,771

Progressive

$2,152

$3,692

GEICO

$2,178

$4,314

Farmers

$2,182

$2,328

State Farm

$2,199

$5,837

State Farm

$2,212

$6,920

Allstate

$2,214

$10,145

Allstate

$2,214

$10,145

GEICO

$2,219

$5,691

Farmers

$2,223

$2,372

Farmers

$2,230

$2,380

Farmers

$2,256

$2,548

Progressive

$2,271

$4,608

Farmers

$2,286

$2,498

State Farm

$2,306

$6,249

GEICO

$2,314

$3,996

Auto-Owners Insurance Co

$2,324

$5,642

Farmers

$2,327

$2,543

Progressive

$2,332

$5,226

State Farm

$2,332

$7,503

Farmers

$2,364

$2,584

Progressive

$2,374

$4,162

Farmers

$2,392

$2,833

GEICO

$2,432

$3,469

Auto-Owners Insurance Co

$2,438

$7,431

Progressive

$2,474

$11,785

Farmers

$2,501

$5,294

State Farm

$2,505

$6,648

Auto-Owners Insurance Co

$2,517

$6,538

Auto-Owners Insurance Co

$2,535

$6,156

Progressive

$2,550

$6,592

Farmers

$2,606

$5,673

State Farm

$2,641

$8,260

Farmers

$2,666

$10,573

Progressive

$2,667

$5,804

State Farm

$2,683

$9,764

State Farm

$2,684

$8,635

Auto-Owners Insurance Co

$2,704

$8,244

Auto-Owners Insurance Co

$2,710

$9,114

State Farm

$2,746

$7,288

Progressive

$2,746

$13,939

GEICO

$2,759

$3,936

Progressive

$2,761

$13,268

GEICO

$2,794

$8,309

Farmers

$2,815

$11,421

GEICO

$2,824

$6,762

Progressive

$2,840

$13,530

Farmers

$2,848

$4,888

State Farm

$2,899

$9,182

Progressive

$2,899

$7,599

GEICO

$2,923

$7,497

Farmers

$2,960

$11,739

Farmers

$2,965

$5,294

Progressive

$2,974

$6,664

GEICO

$2,985

$5,370

Progressive

$3,024

$15,400

State Farm

$3,083

$11,207

Progressive

$3,107

$14,927

Farmers

$3,140

$12,740

Farmers

$3,162

$15,318

Farmers

$3,353

$16,659

State Farm

$3,407

$12,371

State Farm

$3,417

$10,825

State Farm

$3,525

$12,814

State Farm

$3,538

$14,564

GEICO

$3,864

$10,768

State Farm

$3,949

$14,111

GEICO

$4,271

$10,229

State Farm

$4,496

$16,067

State Farm

$4,520

$18,276

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.

Cheapest Car Insurance in Omaha for Military Drivers

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.

Company
Annual Premium
Monthly Premium

American National P&C

$189

$16

American National P&C

$214

$18

American National P&C

$223

$19

Auto-Owners Insurance Co

$295

$25

Auto-Owners Insurance Co

$300

$25

Farmers Mutual of Nebraska

$301

$25

USAA

$303

$25

USAA

$311

$26

Farmers Mutual of Nebraska

$334

$28

USAA

$382

$32

Auto-Owners Insurance Co

$398

$33

GEICO

$406

$34

GEICO

$432

$36

Farmers Mutual of Nebraska

$444

$37

Progressive

$445

$37

Iowa Farm Bureau

$451

$38

GEICO

$461

$38

American National P&C

$465

$39

Progressive

$470

$39

State Farm

$478

$40

American National P&C

$478

$40

State Farm

$506

$42

Iowa Farm Bureau

$519

$43

AAA

$553

$46

IMT Insurance Company

$563

$47

Progressive

$568

$47

IMT Insurance Company

$569

$47

Iowa Farm Bureau

$575

$48

AAA

$576

$48

American National P&C

$589

$49

Shelter

$590

$49

State Farm

$611

$51

Allstate

$666

$56

Allstate

$671

$56

Farmers

$709

$59

Auto-Owners Insurance Co

$713

$59

Shelter

$727

$61

AAA

$735

$61

Allstate

$744

$62

Auto-Owners Insurance Co

$756

$63

Farmers Mutual of Nebraska

$758

$63

Farmers

$759

$63

USAA

$771

$64

USAA

$803

$67

IMT Insurance Company

$846

$71

Farmers

$849

$71

Farmers Mutual of Nebraska

$892

$74

GEICO

$969

$81

USAA

$987

$82

GEICO

$1,025

$85

Auto-Owners Insurance Co

$1,038

$87

GEICO

$1,041

$87

Iowa Farm Bureau

$1,070

$89

Shelter

$1,094

$91

Allstate

$1,122

$93

IMT Insurance Company

$1,126

$94

Shelter

$1,142

$95

IMT Insurance Company

$1,177

$98

AAA

$1,177

$98

Allstate

$1,187

$99

Farmers Mutual of Nebraska

$1,206

$101

Iowa Farm Bureau

$1,226

$102

AAA

$1,250

$104

Progressive

$1,295

$108

Farmers

$1,318

$110

Iowa Farm Bureau

$1,320

$110

State Farm

$1,330

$111

Farmers

$1,337

$111

Shelter

$1,344

$112

Allstate

$1,381

$115

Progressive

$1,418

$118

State Farm

$1,457

$121

IMT Insurance Company

$1,554

$130

Farmers

$1,575

$131

Progressive

$1,755

$146

AAA

$1,774

$148

State Farm

$1,866

$156

Shelter

$2,063

$172

How to Compare Cheap Omaha Car Insurance Quotes Online

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.

Auto Insurance Calculator

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Best Car Insurance in Omaha: Summary

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.

Best Overall Car Insurance in Omaha

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.

How was this MoneyGeek score calculated?

American National P&C

pros

Ranks #1 in affordability ($478 per year)

Excellent customer service rating

Provides gap insurance and antique/classic car insurance

cons

Lacks some common add-on coverages

COMPANY HIGHLIGHTS

While American National does not offer some common coverage options, like accident forgiveness, deductible modification and new car replacement, it does still have several valuable coverage add-ons.

With American National’s antique and classic car insurance, you can access a wide variety of insurance options specifically tailored to vintage vehicles. In addition, if your car is totaled, American National’s gap insurance will pay the difference between the vehicle’s actual value and how much you still owe on your lease or loan.

The insurer also offers spare parts coverage. If you’re the type of automobile owner who keeps spare parts on hand, this coverage will pay you up to $1,000 if those parts are damaged in a covered loss.

Best Car Insurance in Omaha for Customer Service

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.

How was this MoneyGeek score calculated?

Shelter

pros

Excellent customer satisfaction rating

Ranks #2 for claims management

Offers gap insurance, new car replacement and rental car reimbursement coverage

cons

Does not offer accident forgiveness or deductible modification coverage

COMPANY HIGHLIGHTS

Shelter doesn’t offer as many additional coverage options as some competitors, but it does provide some highly valuable add-ons. With the insurer’s new car replacement coverage (available for cars less than one year old with fewer than 15,000 miles), Shelter will replace your totaled car with a brand-new vehicle of the same make, model and year. While most competitors make you pay extra for this coverage, Shelter actually includes it at no additional charge.

We also appreciate Shelter’s gap insurance, which pays the difference between your car’s actual value and the remaining balance on your loan or lease if the car is totaled in a covered loss. Additionally, the company’s rental car reimbursement coverage pays for a rental car while your vehicle is in the repair shop. It can even apply if your car is stolen.

Read MoneyGeek's Shelter Auto Insurance Review

Best Cheap Car Insurance in Omaha

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.

How was this MoneyGeek score calculated?

American National P&C

pros

An affordable minimum coverage policy costs $189 per year

Provides early signing discount

Outstanding customer satisfaction score

cons

Does not offer some common discounts

COMPANY HIGHLIGHTS

American National offers Omaha’s most affordable auto insurance policies, and it ranks highly for customer satisfaction as well. This combination of factors led us to name American National as the best cheap auto insurance company in this city.

This company offers significant early signing discounts, which many other insurers do not provide. When an existing American National customer plans ahead and applies for a new policy before their current policy expires, the insurer will lower their annual premium.

Additionally, you can get discounts if you bundle your American National auto insurance plan with a homeowners or life insurance policy. The insurer also provides rate reductions for policyholders who insure more than one vehicle with American National.

Average Cost of Car Insurance in Omaha

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.