The best car insurance in Omaha, NE

Meredith Napolitano

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Published November 15, 2021

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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.

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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.

Key Takeaways

  • Auto-Owners Insurance is the cheapest company in Omaha at an average of $1,048 per year for a full coverage policies

  • GEICO has the lowest rates for Omaha drivers with bad credit

  • Nebraska drivers are required to have $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

  • Uninsured/underinsured motorist coverage is also required in Nebraska

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.

Company

Average cost

JD Power Rating

Auto-Owners Insurance

$1,048

890

USAA

$1,130

890

GEICO

$1,152

871

Farmers Mutual of Nebraska

$1,207

--

Amco

$1,312

--

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

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

Driving with a suspended license

$2,274

$2,392

$1,157

$2,688

$2,813

Driving with an open container

$1,073

$1,710

$1,157

$1,349

$2,813

Driving with 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

Failure to show documents

$1,073

$1,504

$1,157

$1,349

$1,682

Failure to stop at a red light

$1,073

$1,504

$1,157

$1,349

$1,682

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.

Company

Rates for drivers with bad credit

GEICO

$1,834

Amco

$1,946

Farmers Mutual of Nebraska

$1,953

USAA

$2,008

IMT Insurance

$2,378

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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.

Frequently asked questions

Which violation will raise my rates the most?

A DUI will raise your rates by the largest amount in Omaha. Drivers with a DUI on their record should take extra time to shop around and compare rates in order to find the most affordable coverage they can.

Do I need to have uninsured/underinsured motorist coverage in Omaha?

Drivers in Nebraska are required to have uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident. This will protect you if you are involved in an accident where the driver at fault does not have sufficient coverage so you may want to consider raising your rates beyond the state minimums.

What does comprehensive coverage cover?

Comprehensive coverage, sometimes called “comp coverage,” covers the types of damage that aren’t caused by a car accident, like damage from extreme weather, animals, fire, vandalism and theft.

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.