Best car insurance companies in Omaha
Before going on the hunt for the best auto insurance companies in Omaha, Nebraska, it helps to know what you’re looking for. Take a moment to think about whether you prefer excellent customer service, efficient claims processing, or rock-bottom prices—because it’s rare for a car insurance provider to excel in all three.
If affordability is at the top of your list, remember that your auto insurance rates are decided by your driver profile, not just your choice of auto insurance provider. Even two drivers with the same age, vehicle, and driving record could receive different quotes from Progressive car insurance in Omaha, NE!
Jerry’s national insurance shopping survey asked over 15,000 verified policyholders to rate their providers, and our methodology highlighted two trends. The first is that smaller companies sometimes outshine their larger counterparts in categories like customer service and claims satisfaction. The second is that big names—like Nationwide car insurance in Omaha—may win out in policy cost.
You can explore the best coverage options and the lowest prices with Jerry. Check out the table below to see the average insurance costs from top providers in Nebraska, and click the links to read what customers had to say about them.
| Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
| Clearcover | $36 | $83 | 4.8 | 4.6 |
| National General | $36 | $126 | 4.8 | 4.8 |
| Progressive | $56 | $133 | 4.0 | 4.3 |
| Safeco | $74 | $139 | 4.0 | 4.0 |
| Assurance America | $94 | $168 | 4.0 | 4.0 |
| Dairyland | $98 | $226 | 4.0 | 4.3 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How to find the cheapest car insurance quotes in Omaha
Almost half a million people claim Omaha as their hometown—as does Berkshire Hathaway, the Reuben sandwich, Raisin Bran, and Swanson TV dinners. Its status as the most populous city in the state of Nebraska is reflected in its average insurance rates.
| Coverage type | Omaha, NE | Nebraska | United States |
|---|---|---|---|
| State minimum | $76 | $52 | $77 |
| Full coverage | $141 | $121 | $165 |
On average, Omaha drivers pay 25% more than the state average for car insurance, but 11% less than the national average. While Omaha insurance premiums are relatively low compared to other states, drivers can still find cheaper rates by comparison shopping.
Jerry helps savvy car insurance shoppers in Omaha find lower rates in the simplest way possible. The app asks a few questions, fetches and compares quotes from top providers, and presents the cheapest options on your smartphone.
Best cheap auto insurance quotes in Omaha
Omaha drivers must follow Nebraska’s car insurance requirements by carrying both liability coverage and uninsured motorist/underinsured motorist bodily injury coverage (UM/UIM). While the minimum insurance coverage is budget-friendly, it doesn’t offer the same level of protection as a full coverage policy.
Cheap minimum liability insurance quotes in Omaha
Nebraska’s minimum requirements include two types of coverage: liability insurance and uninsured motorist/underinsured motorist coverage (UM/UIM). The law also specifies how much coverage you need for each type of insurance, which follows a 25/50/25 (plus 25/50) rule:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage per accident
- $25,000 of UM/UIM bodily injury coverage per person
- $50,000 of UM/UIM bodily injury coverage per accident1
Before you can register your car in Nebraska, you’ll need to provide proof that you’re carrying at least a minimum coverage policy. In Omaha, it costs an average of $76 per month or $916 per year. But keep your eye on the news: a new law could make OEM parts mandatory for the first three years of a vehicle’s life, which could increase premiums.2
If you’re looking for below-average rates, there are some providers in Omaha that offer lower premiums than their competitors:
| Insurance provider | Monthly minimum coverage cost | Annual minimum coverage cost |
|---|---|---|
| National General | $35 | $428 |
| Clearcover | $36 | $435 |
| Progressive | $55 | $668 |
| Travelers | $57 | $688 |
Do you need more than minimum coverage in Omaha?
Carrying the minimum amount of insurance puts you on the right side of the law, but it may not provide enough financial protection in the event of a car accident.
In a 2020 report, the Nebraska Department of Transportation reported a total of 564 speed-related crashes in the state—18 of which were fatal, and 546 that resulted in serious injuries. While these numbers have decreased in the past decade, more coverage could be beneficial in the long run3.
A serious at-fault car accident in Nebraska doesn’t just make you responsible for your own repair and medical bills; you also have to pay for the damages you caused. A severe injury or total loss vehicle could push the total bill well beyond the Nebraska minimum insurance limits.
The bottom line: First raise your liability coverage limits to 50/100/50 or 100/300/100, then consider any additional options like collision, comprehensive, or roadside assistance coverage for full financial protection.
“A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.”
Cheapest full coverage car insurance quotes in Omaha
If you get into an accident and your car needs repairs or replacement, you’ll be glad to have full coverage car insurance. Full coverage insurance in Nebraska includes four types of coverage: liability and UM/UIM insurance (as required by law), plus collision and comprehensive.
- Collision coverage pays for repairs or a replacement if you hit another vehicle or a stationary object, even if it was your fault.
- Comprehensive coverage pays for repairs or a replacement if your car is stolen, vandalized, or damaged by extreme weather.
If you lease or finance your car, your lender will probably require you to have full coverage. While a full coverage option tends to cost more than the state minimum, you can still find lower rates with these providers:
| Insurance provider | Monthly full coverage cost | Annual full coverage cost |
|---|---|---|
| Clearcover | $83 | $999 |
| State Auto | $100 | $1,208 |
| Travelers | $105 | $1,269 |
| Nationwide | $115 | $1,388 |
Average cost of car insurance in Omaha
Omaha auto insurance costs an average of $108 per month and $1,306 per year. On average, drivers pay about $76 per month (or $916 per year) for minimum coverage and $141 per month or $1,696 per year for full coverage.
As a result, Omaha car insurance costs about 11% less than the national average rate, but 25% higher than the state average. Here are a few reasons why this may be:
- Fairly safe roads: Nebraska has a slightly below-average rate of motor vehicle crash fatalities, which contributes to lower rates for all.4
- Good driving habits: Omaha drivers can pat themselves on the back; according to a review conducted by Consumer Affairs, the city has a low rate of fatalities related to DUIs, speeding, and other bad habits.5
- Growing population: The number of people living in Omaha has grown by nearly 25% in the last 24 years, putting more drivers on the road and higher premiums on your bills.6
- Motor vehicle thefts: Motor vehicle thefts in the state of Nebraska jumped 17% between 2021 and 2022; there were over 3,300 stolen vehicles reported in Omaha alone.7
- Natural disasters: Omaha has greater tornado and earthquake activity than the rest of the nation, which drives up the cost of comprehensive insurance.8
- So-so traffic: Omaha is the 108th most-congested city in the US. Drivers lost 14 hours to sitting in traffic last year—but that’s better than Chicago, where residents spent nearly a week trying to get to work!9
Average cost of car insurance in Omaha by ZIP code
When calculating your premiums, insurance companies take factors like population density, accident rates, crime statistics, and local weather conditions into consideration. They access most of this data through your ZIP code.
Here’s how much you’ll pay (on average) for car insurance in the three cheapest and most expensive ZIP codes in Omaha:
| ZIP code | Monthly coverage cost |
|---|---|
| 68136 | $30 |
| 68144 | $46 |
| 68142 | $47 |
| 68111 | $101 |
| 68157 | $110 |
| 68022 | $148 |
Car insurance quotes in Omaha by rating factors
Every car insurance provider calculates insurance premiums differently, but they tend to look at the same rating factors, such as:
- Your credit score: Nebraska car insurance companies can use credit ratings to evaluate your chances of making claims. Policyholders with lower credit scores tend to pay higher insurance premiums.
- Your demographics: Your insurance rates are influenced by your age, gender, and marital status.
- Your driving record and claims history: Any previous car accidents or traffic tickets may result in increased insurance costs.
- Your location: Your ZIP code and where you park your car can affect your premium. Usually, drivers in areas with high crime rates pay more for insurance.
- Your mileage: You’ll pay less to use your car for occasional leisure than regular, traffic-heavy commutes.
- Your vehicle make and model: Luxury, high-performance, and sports cars typically carry higher collision and comprehensive coverage costs.
Cheap car insurance quotes in Omaha after driving violations
Your Nebraska driving record plays a major role in determining how much you pay for auto insurance. If you have a history of traffic violations or accidents, you could be labeled a high-risk driver. To insurance companies, this signals that you’re more of a risk to insure and more likely to file an expensive claim, so they charge you more.
Cheap car insurance in Omaha after a speeding ticket
The consequences of a Nebraska speeding ticket (and the difference it makes to your rates) get worse the faster you speed. Take a look at how a speeding ticket in Omaha can influence your premiums:
| Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| Speeding | $192 | 76% |
To lower your rates after a speeding ticket, consider asking your provider about loyalty and paid in full discounts. Additionally, drivers with a speeding infraction on their record should also look into comparison shopping—you never know what kind of deals you could find with another provider.
Cheapest car insurance in Omaha after a DUI
If you get caught driving under the influence (DUI) in Nebraska, you could face the following consequences:
- A minimum fine of $400
- Community service
- Driver’s license suspension
- Jail time
- Mandatory completion of an alcohol treatment program
Not only that, but your car insurance rates will also rise, too. If you’ve been convicted of a DUI, here’s how much your rates could change in Nebraska:
| Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| DUI | $154 | 77% |
For cheaper premiums, drivers with a DUI on their record can enroll in a defensive driving course. Upon completion, the state of Nebraska will credit you up to two points, which can result in lower overall rates.
Cheapest car insurance in Omaha after an at-fault accident
After you’ve been in a car accident, your insurance company investigates to see if you’re at fault. Since Nebraska is an at-fault state, if you’re responsible for the car crash, your insurance company has to pay out, and your rates will spike.
| Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| At-fault accident | $169 | 55% |
Even good drivers make mistakes. While you may lose out on safe driving discounts, motorists can still apply for bundling and multi-policy savings with some of the top providers in Omaha.
Cheapest car insurance in Omaha after other driving violations
Speeding tickets, DUIs, and at-fault accidents aren’t the only ways to raise your auto insurance premiums. Take a look at the table below to see how different violations and infractions can affect your Omaha car insurance:
| Violation | Monthly coverage cost | Annual coverage cost |
|---|---|---|
| Defective equipment | $105 | $1,260 |
| Failure to stop | $162 | $1,950 |
| Suspension | $162 | $1,953 |
| Improper passing | $165 | $1,987 |
| Careless driving | $172 | $2,069 |
| Failure to obey signal | $175 | $2,108 |
Cheap car insurance quotes in Omaha by age
Age also plays a large role in deciding your monthly premiums. If you’re a teen driver under 25 or a senior driver over 65, you’ll pay more for car insurance than a middle-aged driver.
Cheap car insurance in Omaha for young drivers
Drivers from 16 to 19 years old pay the highest insurance premiums of any age group in Omaha. That’s because new drivers with limited driving experience are more likely to have an accident. Here’s how much teen drivers in Omaha pay, on average, for car insurance:
| Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| <18 | $302 | $404 |
| 18-21 | $252 | $340 |
Keep in mind: You might pay below-average rates if you have a Nebraska provisional license because it restricts driving to specific conditions. Once you move to an unrestricted license, however, expect your premiums to increase.
Luckily, there are a few steps you can take to lower your insurance premiums. You may qualify for car insurance discounts if you complete a defensive driving course or maintain a B+ average. Adding yourself as a driver to a parent or guardian’s policy can also help you save money.
Cheap car insurance in Omaha for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 22-44 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 45+.
| Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 22-25 | $129 | $197 |
| 26-34 | $83 | $144 |
| 35-44 | $74 | $119 |
| 45-54 | $80 | $121 |
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.
Cheap car insurance in Omaha for senior drivers
As drivers near 65, their car insurance rates usually increase from the lower rates between ages 55 and 64. While those 65+ receive cheap full coverage rates in Omaha, their minimum coverage premiums are slightly higher than their 55-64 counterparts. This is likely due to the increased risk associated with senior motorists and lower coverage policies.
Here’s how much, on average, senior drivers in Omaha pay for coverage:
| Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 55-64 | $71 | $105 |
| 65+ | $93 | $102 |
Because insurance providers have to pay more for medical expenses, they charge a lot for car insurance for seniors—but that doesn’t mean it’s impossible to find affordable coverage as a senior. With an app like Jerry, you can find rates in under two minutes; and with live agent support, there’s always further assistance available when you need.
Cheap car insurance quotes in Omaha based on insurance history
Your insurance history tells providers whether you’re currently insured or not and whether you’ve experienced a car insurance lapse. Gaps usually result in higher premiums because providers fear that you’ll skip your bills.10 If you have a lapse on your insurance history, here’s how much you could pay for your Omaha car insurance:
| Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| With coverage lapses | $140 | 28% |
Cheap car insurance quotes for drivers with poor credit
Nebraska allows auto insurance companies to factor credit scores into your premiums. Statistics show that drivers with bad credit are more prone to filing claims, so they usually pay more for coverage.
The data shows that Omaha drivers with bad credit scores pay about 11% more for insurance than drivers with good credit scores, and 30% more than drivers with excellent credit.11
| Credit rating | Monthly coverage cost |
|---|---|
| < 600 | $83 |
| 601-699 | $75 |
| 700+ | $64 |
Cheap car insurance quotes in Omaha for popular cars
Your vehicle’s purchase price, repair cost, parts availability, and safety rating all impact your rates. As a general rule of thumb, driving the lowest-cost, least-risky vehicle will get you cheaper premiums—so don’t buy a Bentley or Lamborghini with a $150,000 price tag without preparing for some large monthly bills.
Check out the average rate Omaha drivers pay for car insurance on some of the most popular vehicles:
| Popular vehicle | Monthly coverage cost |
|---|---|
| Ford F-150 | $62 |
| Chevrolet Malibu LT | $78 |
| Chevrolet Silverado K1500 | $79 |
| GMC Sierra C1500 Elevation | $120 |
| RAM 1500 Laramie | $139 |
Learn more: How to get car insurance before buying a car
How to lower car insurance costs in Omaha
1. Shop around and compare quotes
Every car insurance provider calculates rates differently. To make sure you’re getting the best coverage options, compare quotes from at least three different companies every six months.
If you don’t want to spend hours shopping for car insurance, get a quote comparison app. Jerry gathers and compares prices from top insurance providers and shows you the best rates.
2. Hunt for car insurance discounts
While every provider offers savings, not all providers offer the same car insurance discounts. Speak with your provider and ask if they offer programs such as:
- Auto and home insurance bundles: If you bundle your homeowners insurance—or renters insurance, small business insurance, life insurance, or health insurance—with your auto insurance policy, you could see savings on both.
- Good driver discounts: Nebraska drivers who maintain a clean driving record for at least three years (meaning no driver violation points or at-fault accidents) can rake in big insurance savings.
- Good student discounts: Full-time college or high school students who maintain a B average or better can turn studies into savings.
- Telematics discounts: Some auto insurance companies provide financial incentives if you work on safe driving habits with an app, or even if you simply sign up!
3. Increase your deductible for comprehensive and collision coverage
Raising your deductible means you pay more out-of-pocket after a car accident, but it can also let you keep full coverage on your car and pay less for car insurance. Just remember that this is often a last-resort option and should only be considered if you can afford the increase.
FAQ
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How much is car insurance in Omaha?
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What’s the cheapest car insurance in Nebraska?
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Who gives the lowest car insurance rates?
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How much is car insurance in Nebraska per month?
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What’s the minimum car insurance in Nebraska?
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Sources
- https://dmv.nebraska.gov/dvr/ins-req ↩︎
- https://www.repairerdrivennews.com/2021/02/26/neb-bill-requires-oem-auto-parts-for-first-3-years-of-vehicle-life-holds-insurers-to-procedures/ ↩︎
- https://dot.nebraska.gov/media/zmvhghdr/sp2crashes.pdf ↩︎
- https://www.iihs.org/topics/fatality-statistics/detail/state-by-state ↩︎
- https://www.consumeraffairs.com/automotive/worst-drivers-in-america.html ↩︎
- https://www.city-data.com/city/Omaha-Nebraska.html ↩︎
- https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/crime-trend ↩︎
- https://www.city-data.com/city/Omaha-Nebraska.html ↩︎
- https://inrix.com/scorecard-city-2022/?city=Omaha%20NE&index=633 ↩︎
- https://www.iii.org/article/what-if-i-cant-find-auto-coverage ↩︎
- https://consumerfed.org/wp-content/uploads/2023/07/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf ↩︎
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that\\\\\\\’s accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance. Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
