The best car insurance in Omaha, NE

The average cost of full coverage car insurance in Omaha is $1,786, slightly higher than the Nebraska state average of $1,735. Your car insurance rates may be slightly higher or lower, depending on things like your driving history, age, and credit score.

But no matter who you are, there are always ways to save money on your car insurance. Policygenius can help you see quotes from top companies so you can compare options and find the best coverage at the right price for you.

Cheapest car insurance companies in Omaha, NE

Insurance companies look at many different factors when determining your car insurance rates. Your age, driving history, and ZIP code are all important.

But two companies can consider the same information and come to different conclusions, which is why the company you choose will have a big impact on how much you pay for car insurance.

Cheapest car insurance rates by ZIP code in Omaha, NE

Your ZIP code is one of the biggest factors in determining your insurance premiums. Car insurance companies will look at the relevant information in your area, including car thefts, accidents reported, and repair costs. City drivers will nearly always pay more in insurance, because more people on the road means more accidents and claims.

ZIP code	Average cost
68102	$1,958
68104	$1,978
68105	$1,879
68106	$1,765
68107	$1,888
68108	$1,959
68110	$2,126
68111	$2,123
68112	$1,971
68114	$1,696
68117	$1,744
68118	$1,565
68124	$1,681
68127	$1,648
68130	$1,532
68131	$2,077
68132	$1,866
68134	$1,752
68136	$1,537
68137	$1,611
68138	$1,618
68142	$1,628
68144	$1,607
68152	$1,865
68154	$1,615
68164	$1,581
68176	$1,780
68178	$1,827
68182	$1,827
68198	$1,886

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Choosing the right car insurance company in Omaha, NE

The right car insurance company for one driver isn’t necessarily the right company for another. The only way to ensure that you are getting the best possible price for your individual situation is to compare rates between companies.

Policygenius can help you understand how much coverage you need and then compare rates from top companies so you can be sure you’re getting the best car insurance policy for you at the right price.

Car insurance rates for drivers with driving violations in Omaha, NE

Your driving history greatly impacts your insurance rates. Accidents or moving violations will raise your rates, and if you have too many, you may find it difficult to find coverage at all. Serious violations will have a greater impact, while minor violations won’t make as big a difference.

Violation	Auto-Owners Insurance	USAA	GEICO	Farmers Mutual of Nebraska	Amco
At-fault accident	$1,581	$1,734	$2,605	$1,643	$2,387
DUI	$2,274	$2,511	$4,429	$2,688	$2,813
Suspended license	$2,274	$2,392	$1,157	$2,688	$2,813
Open container	$1,073	$1,710	$1,157	$1,349	$2,813
Expired registration	$1,073	$1,504	$1,157	$1,349	$1,682
Driving without lights	$1,073	$1,504	$1,157	$1,349	$1,682
Not showing documents	$1,073	$1,504	$1,157	$1,349	$1,682
Running a red light	$1,073	$1,504	$1,157	$1,349	$1,682
Failure to yield	$1,073	$1,504	$1,157	$1,482	$1,682
Following too closely	$1,073	$1,504	$1,157	$1,349	$1,682
Hit and run	$2,274	$2,624	$3,253	$2,688	$2,586
Illegal turn	$1,073	$1,504	$1,157	$1,349	$1,682
Improper passing	$1,398	$1,504	$1,157	$1,349	$1,682
Not-at-fault accident	$1,073	$1,203	$1,216	$1,349	$1,379
Passing a school bus	$1,398	$1,710	$1,157	$1,349	$1,682
Racing	$1,597	$2,511	$4,429	$2,688	$2,813
Reckless driving	$2,274	$1,710	$2,944	$2,688	$2,813
Speeding	$1,597	$1,504	$1,494	$1,482	$1,682

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Cheapest car insurance for drivers with bad credit in Omaha, NE

The lower your credit score, the higher your car insurance rates will be. Your credit score, however, is not the only factor in determining your rates. Your age, driving history, and ZIP code all have an impact as well, and some companies offer lower rates to drivers with poor credit than others.

Buying car insurance in Omaha, NE

Omaha drivers are required to meet the minimum coverage requirements in Nebraska. All drivers must have at least the following amounts of coverage:

• Bodily injury liability coverage per person: $25,000

• Bodily injury liability coverage per accident: $50,000

• Property damage liability coverage: $25,000

• Personal injury protection: Optional

• Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

Most drivers need more than the minimum required amounts of car insurance coverage in order to be fully protected. And drivers who lease their car or have a car loan will be required to have comprehensive and collision coverage, even though they’re not required by law.

How to get cheap car insurance in Omaha, NE

All car insurance companies offer discounts that can help you save money on your premiums. Some of the most common include:

• Bundling discount

• Safe driver discount

• Good student discount

• Accident-free discount

• Multi-car discount

• Low mileage discount

• Military discount

By comparing rates, you can still find the least expensive insurance for you, even if you don’t qualify for any discounts.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

• Bodily injury liability: 50/100

• Property damage liability: $50,000

• Uninsured/underinsured motorist: 50/100

• Comprehensive: $500 deductible

• Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.