Best Car Insurance in Omaha 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Omaha.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
October 4, 2021Honda Odyssey EX6810526Progressive$202/mo.$93/mo.
July 14, 2021Ford Focus SEL6810525Progressive$220/mo.$121/mo.
September 26, 2021Lincoln Mkx6810748ClearCover$150/mo.$124/mo.
January 1, 2021Ford Focus SEL6814423Progressive$168/mo.$141/mo.
September 5, 2021Toyota Corolla L6810422Progressive$240/mo.$143/mo.
Here’s more information about what impacts the insurance rates in your Omaha.

How much does car insurance cost in Omaha?

Car insurance in Omaha, Nebraska costs single-car drivers an average of $2,423 annually, or about $202 per month. Compared to the state annual average of $3,107, auto insurance in Omaha is $684 lower higher.
With a population nearing 500,000, Omaha is a hub of activity in Nebraska. Young professionals and families alike can enjoy a variety of museums, nature parks, and zoos. In fact, Forbes recently ranked Omaha as one of the top places to raise a family in the U.S.
Luckily for residents, Omaha’s cost of living is below the national average and much lower than those of big coastal cities. Still, it’s important that Omaha drivers compare insurance quotes online to make sure they’re not overpaying for car insurance.
If you’re looking for an easy way to find car insurance savings, just use Jerry. Sign-up is totally free, and you’ll be able to compare quotes from dozens of top insurers including Progressive, Allstate, and Travelers.
Without further ado, here is a review of what affects the cost of insurance in Omaha—and some carriers and coverage options to consider.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Omaha$2,789$1,728$2,798$1,427$4,462$3,086
National Average$3,223$2,143$3,086$1,764$3,423$2,486
OmahaNational Average
All Coverage Before Jerry
$2,789$3,223
All Coverage After Jerry
$1,728$2,143
Minimum Coverage Before Jerry
$2,798$3,086
Minimum Coverage After Jerry
$1,427$1,764
Full Coverage Before Jerry
$4,462$3,423
Full Coverage After Jerry
$3,086$2,486
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Choosing a carrier in Omaha

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
With a variety of carriers to choose from, you may be wondering which providers offer the best insurance services in Omaha. Often, it’s smart to balance cheap rates with good customer satisfaction ratings when choosing your provider.
Some recommended insurance carriers in Omaha include:
State Farm for their variety of coverage options, bundling policies, and other discounts
Nationwide for their competitive rates for full coverage policies and easy-to-use digital services
GEICO for their relatively low rates and relatively high customer satisfaction rates compared to other supersized providers
USAA for their low rates. However, USAA auto insurance is only available to military members and their families
Finding the right provider for you will vary depending on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Omaha before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$1,980$854Compare Prices
Progressive$1,969$618Compare Prices
Dairyland$3,541$477Compare Prices
Allstate$2,495$437Compare Prices
Nationwide$1,872$192Compare Prices
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What kind of car insurance you need in Omaha

In Omaha, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Like most states, Nebraska requires all drivers to carry a minimum amount of car insurance coverage before they can hit the road. The state minimum includes liability and uninsured/underinsured motorist insurance:
You may face fines or license suspension for driving without this insurance.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Since the Nebraska state minimums only cover damages to other cars and drivers, Omaha drivers are strongly recommended to purchase additional coverage.
Without additional coverage, you could be stuck paying hefty out of pocket expenses after an expensive at-fault accident (and if you can’t do this, you could face a lawsuit).
That said, the following are additional coverage options that would benefit drivers in Omaha:
FactorRecommended coverageDescription
Damages to your vehicleCollision insuranceCollision insurance pays for damages to your vehicle resulting from a collision, regardless of who’s at fault.
Personal injuriesPersonal injury protection (PIP)PIP coverage pays for your medical bills and lost income if you are injured in an accident, regardless of who’s at fault. Also called “no fault insurance.”
Severe weather eventsComprehensive insuranceComprehensive coverage pays for damage to your vehicle that isn’t the result of a collision, such as hail damage, theft, and vandalism.
Traffic densityAccident forgivenessInvesting in an accident forgiveness policy will prevent your rates from climbing after your first at-fault accident.
Long drivesRoadside assistanceTraveling outside of the Omaha-Lincoln area may involve long stretches of highway driving. If you ever encounter a roadside emergency, this coverage will pay for towing, winching, fuel delivery, and more.

What determines your car insurance cost in Omaha

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Omaha, you could be paying as much as $92 more per month than an adult driver. These are average rates for Jerry customers in Omaha broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,509$1,411
21-24$3,531$1,179
25-34$2,727$1,062
35-44$2,088$916
45-54$2,170$929
55-64$2,123$854
65+$1,272$184
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Omaha with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,745$989
Leaving scene of an Accident/Hit and Run$4,452$2,296
Driving on Sus. License$3,167$1,619
Improper Passing$3,240$1,440
Failure to Obey Traffic Sign$3,121$1,318
Illegal Turn$3,600$930
Speeding under 15$2,566$895
Other$2,958$1,288
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Where in Omaha you live

It may seem like insurance rates in Omaha should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Omaha, residents of 68104, 68132, 68111, 68127 and 68108 will have the most expensive car insurance rates, while people who live in 68117, 68136, 68138, 68131 and 68124 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Omaha:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 8, 202168134Mitsubishi Lancer GtsNE36Allstate$113/mo.$79/mo.
February 8, 202168105GMC YukonNE37Safeco$165/mo.$79/mo.
October 4, 202168102Nissan Altima 3.5SNE52Assurance America$230/mo.$86/mo.
August 31, 202168111Nissan Sentra 2.0NE26Bristol West$285/mo.$137/mo.
September 13, 202168137Kia Sorento BaseNE33Nationwide$239/mo.$149/mo.
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Why is car insurance in Omaha so expensive?

A variety of considerations determine baseline car insurance rates in Omaha. Insurance companies often consider the following:
Cities throughout Nebraska generally enjoy lower-than-average car insurance rates. However, certain factors will cause insurers to charge higher prices than expected in Omaha, including:

Traffic patterns

Commuter traffic on Omaha freeways can be dense, leading to slowdowns, frustrated drivers, and more potential accidents.

Crime rates

Compared to the national average, Omaha experiences more theft and motor vehicle theft, both of which cause insurers to classify an area as higher-risk.

Severe weather

Omaha’s location puts it at higher risk for tornado damage than the national average (but about the same as the Nebraska average). Areas where vehicles and property are more likely to be damaged by severe weather will often face higher insurance premiums.

How can you save money on car insurance in Omaha?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Finding and applying for discounts can make insurance with any provider more affordable.
Discounts are offered for a variety of drivers and vehicles in Omaha, from being a member of a professional organization to driving a safe vehicle. Some of the most common discounts include:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Multi-vehiclePutting more than one car on a family policy can get you up to 25% off the cost of insuring each vehicle.
Good student discountStudents 25 and under who maintain a B average (3.0 or above) are eligible for a discount on their insurance policy.
Accident-freeIf you’ve been accident-free for three to five years, you can qualify for a discount on your policy.
Paperless billingIf you opt for e-billing rather than receiving bills in the mail, you can qualify for savings.
Jerry had a super simple app that was easy to navigate. And their terrific customer service made everything even easier. Plus I saved $700 in a single year.” —Lucia M.
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