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
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Amco
$1,312
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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
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
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
Who has the cheapest car insurance in Omaha?
With an average rate of $1,048 per year, Auto-Owners Insurance offers the lowest rates in Omaha. USAA charges an average of $1,130 per year, making them the second cheapest insurance company in Omaha.
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.
Is it illegal to not have car insurance in Nebraska?
Nebraska state law requires drivers to have 25/50/25 levels of liability insurance, along with uninsured/underinsured motorist coverage. Drivers who do not have at least the minimum required levels of coverage will have their driver's license and registration suspended.
How much is car insurance per month in Nebraska?
Drivers in Nebraska pay an average of $1,735 per year for car insurance, which breaks down to $144.58 per month. Drivers in Omaha pay an average of $148.83 per month, which is $4.25 higher than the state average.
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.
