Get free quote in-app

(400K+)

Our Insurance Partners

nationwide
travellers
mapfre
safeco
kemper
national-general
foremost
dairyland
pronto
bristolwest
hippo
assuranceameric
anchor
still-water
bridger
alinsco
commonwealth
suncoast
aspire

Key Takeaways

  • When comparing car insurance quotes in Omaha, Nebraska, car owners can save $1221 on average.
  • In Omaha, the average cost of auto insurance is $1899 per year.
  • State Farm typically offers Omaha residents the cheapest auto insurance rates, but you should always shop around for the best deal on your policy.

How much does car insurance cost in Omaha?

Car Insurance in Omaha can create a deficit of $1899 in your bank balance. Car insurance in Omaha is more expensive than the Nebraska state average ($1606) and the national average.

What should Omahans anticipate paying for their auto insurance? How does Omaha compare to the surrounding area or even the rest of Nebraska?

Although these are Omaha's typical car insurance rates, that doesn't always imply that's what you'll pay. Insurance companies consider several variables when determining the cost to insure your car. For example, your age, gender, car make and model, driving history, and, in some situations, your credit score are used to determine your monthly rate.

But don't worry; we've broken down the typical rate for Omaha residents depending on several variables so you can better understand the monthly bill you'll receive. Enter your ZIP code to find out in a matter of minutes if you're paying too much for your neighborhood.

In the tables below, you can see average cost breakdowns based on a variety of variables:

Omaha rates vs Nebraska and National Average

Our guide to Omaha auto insurance provides average rates based on factors including age, marital status, credit score, driving record, and driving record. Learn more by reading on!

Get in touch with an insurance agent to get the best car insurance deal for you.

Omaha Average (annual) Nebraska Average United States Average
$1899 $1606 $1557

See what you could save on auto insurance

Omaha Auto Insurance Premiums by Company

It's crucial to carefully examine quotes and pick your insurer because there can be significant company-to-company variations in auto insurance costs. State Farm provides Omaha's most cheap premiums for the average motorist.

Check out the top providers for affordable car insurance in Omaha below, but don't forget to receive customized rates that consider your driving history.

Insurance Company Average Rate (annual)
State Farm $1200
Iowa Farm Bureau $1329
American Family $1419
Progressive $1440

Omaha Auto Insurance Premiums by Age Group

Omahans in their fifties spend an average of $1296 per year for auto insurance, which is comparatively cheap. At just $1299 a year, rates for Omaha drivers in their 60s are also rather reasonable.

The most expensive car insurance rates in Omaha are for young drivers. The price gap in Omaha between drivers in their 20s and those still in their teens for car insurance is $3420—the highest disparity between any two age groups.

Age tier Average Yearly Rate
Under 18 $2,117
18-24 $1,817
25-34 $929
35-44 $1,013
45-54 $773
55-64 $701
65+ $749

Omaha Auto Insurance Premiums by Marital Status

A driver's marital status will impact the cost of their auto insurance. In Omaha, married drivers' auto insurance costs are $132 less than those of single drivers. Married drivers pay less for auto insurance in many places than single drivers. Widowed people also pay far less in rates than single people do.

As a result, the cost of insurance is cheaper for widowed people in Omaha than it is for single people.

Marital Status Average Annual Rate
Single $1335
Married $1203
Divorced $1470
Widowed $1431

Omaha Auto Insurance Premiums by Gender

Another element that may impact auto insurance premiums is gender. For example, in Omaha, female drivers pay $24 more per year for car insurance than male drivers.

Gender Average Annual Rate
Female $1923
Male $1899

Omaha Auto Insurance Premiums by Driving Record

One of the greatest methods to keep your auto insurance prices low is to have a spotless driving record. Insurance firms give low-risk drivers the gift of low rates to incentivize them to drive safely and reward at-fault accidents, DUIs, reckless driving tickets, and speeding tickets.

Regarding car insurance, reckless drivers in Omaha pay the price, seeing their rates rise by $609 yearly over the city average. A speeding ticket raises insurance rates by $240, while a DUI infraction raises premiums by $429 annually.

Incident/Violation Average Yearly Rate
DUI/DWI $2328
Reckless Driving $2598
At-fault Accident $2073
Speeding Ticket $2139

Omaha Auto Insurance by Credit Rating

Are you looking for cheap car insurance in Omaha, NE? A good credit score has many benefits, including cheaper auto insurance. Generally speaking, drivers with better credit histories pay less for auto insurance than those with less ideal credit histories. For example, Omaha drivers see an average 56% reduction in their auto insurance premiums when their credit score rises from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850).

Saving money on auto insurance requires moving from "Very Poor" to "Fair" credit. For example, your annual auto insurance rates in Omaha might drop by $1,015 if you raise your credit score to "Fair."

Credit Score Average Yearly Rate
Very Poor $2739
Fair $1731
Good $1899
Very Good $1320
Exceptional $1203

Omaha Auto Insurance by ZIP Code

Your auto insurance prices in Omaha are influenced by where you reside. Where you live is one of the main determinants of the car insurance premiums you'll pay, along with your driving record and credit score. The cause? By ZIP code, crime, theft, and uninsured drivers differ.

Therefore, if you live in a community where people don't get along, car insurance companies may view you as a high risk to cover, resulting in higher rates than those of a nearby friend. And, regrettably, Omaha is not an exception.

The cost of your auto insurance in Omaha, Nebraska, may also depend on your ZIP code. Based on the ZIP code, Omaha's average cost for car insurance is between $909 and $1110. For example, 68164 is the area with the lowest premiums, while 68104 has the highest rates for drivers. These rates are influenced by various variables, including the number of drivers on the road, the theft rate, and the accident rate in the area.

Zip Code Annual Premiums
68046 $1389
68104 $1629
68107 $1581
68116 $1350
68123 $1359
68134 $1500
68135 $1419
68137 $1419
68144 $1467
68164 $1401

What would increase your car insurance rate in Omaha?

When determining how much to charge for a monthly rate, auto insurance companies consider various factors. Your policy will be influenced by the circumstances of where you park your car. Some examples of this could be:

  • Number of drivers
  • Rate of local crime
  • Data on car accidents
  • Accessible off-street parking
  • Zoning restrictions

Although you won't be able to alter these elements on your own, keep them in mind when looking for a new insurance policy or thinking about moving can be helpful. In addition, these guidelines might be a useful method to get the lay of the land in your specific neighborhood because different towns and localities will all have different rates.

Auto theft statistics in Omaha

Between 2020 and 2021, recorded car thefts decreased significantly, from 3159 in 2020 to 2550 in 2021. However, even while the number of motor vehicle thefts declined yearly, the number of solved thefts increased, with 648 thefts solved in 2021 compared to merely 459 in 2020.

This translates into a clearance rate for 2021 of about 25% as opposed to a clearance rate for 2020 of 14%. The national average for recovered stolen cars is 13.8 percent.

See what you could save on auto insurance

Auto insurance requirements in Omaha

All cars used or parked on roads in Nebraska must be insured. Therefore, you must always have proof of insurance with you in your car and be able to provide it when:

  • Requested from a law officer
  • Renewal of car registration
  • When involved in an accident

In Nebraska, private passenger cars are required to have the following minimum levels of liability insurance:

  • $25,000 for each person's physical harm
  • $50,000 per accident for injuries to people

Bodily injury coverage is a crucial component of your liability insurance and pays for the medical costs associated with accident-related injuries to individuals other than the policyholder. Because Nebraska is an at-fault state, the driver who caused the collision is also liable for covering any related costs, either through their auto insurance company or personally.

After an accident, uninsured and underinsured motorist coverage pays for damages brought on by a driver with little or no insurance. While Nebraska law mandates this level of protection, drivers may write to their provider to raise their minimums.

Accidents Statistics in Omaha

In Nebraska, Omaha had the highest auto theft rate, per Way.com's research of FBI crime statistics. 6.7 cars were stolen for every 1,000 residents, on average.

Tips for Driving Safely in Omaha

If you're not from Omaha, you could believe that old wagon ruts and plains stretch east to west across the Cornhuskers State. However, its city streets are just as urban and full of traps as those you'll find anyplace else.

Even the city's existing highway repair plans won't completely alleviate the daily driver's problems with the rising traffic congestion. So the wisest decision drivers can make to take control of their insurance premiums and learn how to find the better offers that are undoubtedly available.

Driving Conditions in Omaha, Nebraska

  • Wind - SSW 20 km/h
  • Wind Gusts - 54 km/h
  • Cloud Cover - 9%

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

Who has the cheapest car insurance in Omaha?

State Farm offers the cheapest car insurance rates in Omaha.

What do I need in Omaha to buy car insurance?

You can find and compare auto insurance quotes from today's best companies by using Way.com's unique search tool. When you're ready to buy a policy, you'll need to give a few pieces of information to finish the procedure. Your social security number, driver's license, and vehicle identification number (VIN) are ready.

In Omaha, how much car insurance do I need?

In Omaha, drivers must have at least 25/50/25 liability insurance and uninsured/underinsured motorist insurance. But many drivers pay more for a full coverage policy that also covers their car. Insurance companies also tell most drivers in Nebraska that they should raise their coverage limits to protect themselves financially if they cause an accident.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!

or