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Average Cost of Car Insurance in Omaha

Omaha$999
Nebraska$923
U.S.$1,424

Omaha has an average annual auto insurance rate of $999, which is slightly higher than the state annual premium of $923. However, the average car insurance rate in Omaha is 29.8% less than the national average annual premium of $1,424.

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The Best Cheap Car Insurance Companies in Omaha

In terms of affordability, USAA claims the top spot in Omaha. USAA's average annual premium in Omaha is $686. However, only members of the military, their spouses and their children qualify for USAA auto insurance policies. The second most affordable car insurance in Omaha comes from GEICO. A resident of Omaha can get coverage from GEICO for around $777. That price point is $223 less than the city average. It is also approximately two times less expensive than a similar policy with MetLife, which is the most expensive car insurance company in Omaha. Following USAA and GEICO as the most affordable auto insurance providers are Farmers Mutual of Nebraska, State Farm and Allied.

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Personalized Quotes to Get You the Cheapest Car Insurance in Omaha

Car insurance companies in Omaha determine annual premiums based on the risks associated with drivers. To do this, they have to evaluate a variety of specific factors like the driver's age, ZIP code, driving history, credit score, gender, marital status and coverage level, among others. Generally, senior citizens in Omaha get the cheapest rates. For example, a 70-year-old male can get a policy for a $742 annual premium with Farmers Mutual of Nebraska while they will offer a similar policy to an 18-year-old male for $1,907.

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Cheapest Car Insurance in Omaha by Coverage Amount

How much car insurance coverage you purchase in Omaha also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Nebraska Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

When choosing car insurance in Omaha, it is important for you to consider your personal circumstances and the risks related to you as a driver. Ask yourself if minimum liability coverage will be sufficient for your needs.

You can also purchase 50/100/50 liability-only coverage or full coverage. With limited-only coverage, you can get $50,000 for individual injuries, $100,000 for an accident and $50,000 for property damage coverages. If you want more comprehensive protection, you can purchase a 100/300/100 full-coverage plan.

Weighing your options and comparing the difference in the costs of plan types can help you decide. For example, a state minimum liability from Farmers Mutual of Nebraska costs $319. A 50/100/50 liability-only plan is $346. You will have to pay more than twice as much ($762) to get a 50/100/50 full coverage from the same provider. Meanwhile, the 100/300/100 full coverage from Farmers Mutual Nebraska is $785.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Omaha if You Have Tickets

Having a clear driving history can also help you get cheaper premiums. Generally, people with moving violations will face higher rates than people who have no violations. For instance, a State Farm policyholder in Omaha with a DUI will have to pay $913 while a person with no violations who uses State Farm may only have to pay $838. If a State Farm driver gets into an accident that they caused, their premium may rise to $989.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. State Farm
    $913
    $989
    $913
  • 2. USAA
    $844
    $1,015
    $1,369
  • 3. Farmers Mutual of Nebraska
    $861
    $956
    $1,565
  • 4. American Family
    $909
    $1,369
    $1,181
  • 5. Allstate
    $1,108
    $1,198
    $1,322
  • 6. Allied
    $1,025
    $1,451
    $1,636
  • 7. GEICO
    $777
    $1,412
    $2,150
  • 8. Farm Bureau Mutual (IA Group)
    $1,057
    $1,469
    $1,928
  • 9. Progressive
    $1,364
    $1,848
    $1,213
  • 10. AAA
    $1,174
    $1,497
    $2,206
  • 11. Farmers
    $1,454
    $1,662
    $1,599
  • 12. MetLife
    $1,919
    $3,405
    $3,991

Average Cost of Car Insurance by Postal Code

Your ZIP code in Omaha, Nebraska can also affect auto insurance costs. The average car insurance rate in Omaha, based on ZIP code, ranges from $898 and $1,098. The most affordable neighborhood is 68164, while drivers living in 68104 pay the highest premiums. The factors that affect these rates vary, but may include factors like the region's accident rate, theft rate and the number of drivers on the road.

  • Zip Code
    State Minimumper year
  • 68164
    $898
  • 68134
    $965
  • 68107
    $1,036
  • 68104
    $1,098

Insurance Providers That Serve Omaha

21st Century
Allstate
Amica
MetLife
Nationwide
Progressive
The General
The Hartford

Factors That Impact Insurance Costs in Omaha

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Omaha. How Omaha ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities152nd/300
handcuffs2 icon
Most Car Thefts200th/300
uninsured icon
Most Uninsured Motorists by State46th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall179th/300
umbrella icon
Most Rainy Days156th/300

Shopping around for car insurance in Omaha could save you $223, which is enough to buy:

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74Cups of Coffee
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17Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Omaha are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Omaha

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author

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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.

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