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Updated on Apr 25, 2024

Jasmine Kanter

Expert Insurance Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Kianna Walpole, Expert Insurance Writer & Editor

Learn more about our insurance review board

What's on this page?

Best car insurance companies in Omaha
How to find the cheapest car insurance quotes in Omaha
Best cheap auto insurance quotes in Omaha
Average cost of car insurance in Omaha
Car insurance quotes in Omaha by rating factors
How do different factors impact your car insurance costs in Omaha?
Cheap car insurance quotes in Omaha after driving violations
Cheap car insurance quotes in Omaha by age
Cheap car insurance quotes in Omaha based on insurance history
Cheap car insurance quotes in Omaha for popular cars
How to lower car insurance costs in Omaha
FAQ
Methodology
Sources
Meet our experts

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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.

Compare car insurance quotes now

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.

Josh Damico

VP Insurance Operations, 18+ Years Experience in Insurance

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

"So happy I found the Jerry app. Got full coverage insurance through Progressive. My rate is $90.00 less per month and I couldn't be happier."

Jody

| Verified Jerry Customer

Lower my car insurance too!

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

Compare car insurance costs in other states

South Dakota car insurance

Kansas car insurance

Colorado car insurance

Iowa car insurance

Wyoming car insurance

North Dakota car insurance

Minnesota car insurance

Oklahoma car insurance

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.

How do different factors impact your car insurance costs in Omaha?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Nebraska currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Omaha:

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

MORE:

How to get car insurance before buying a car

Finding cheap car insurance in Omaha: hear from real drivers

Shopping for car insurance can seem like a challenge—especially when you’re not sure where to start. That’s where Jerry and our customers come in. Take a look at the following reviews from real customers regarding their experience with insurers like Dairyland, Progressive, and ROOT.

Very smooth and fast process.

Kyle-1

Great customer service response and reliable, affordable costs for insurance rates. I have been with Progressive for years and more to come.

Jamire-1

Root is a great car insurance company that supplies low-cost as well as full-coverage options that won’t break the bank.

Collin

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.

Compare car insurance quotes now

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.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Omaha?

Omaha car insurance costs an average of $76 per month or $916 per year for state minimum coverage and $141 per month or $1,696 per year for

full coverage

What’s the cheapest car insurance in Nebraska?

The cheapest car insurance in Omaha is state minimum coverage, which costs about $76 per month or $916 per year. But as for the cheapest insurance provider, there’s no easy answer. Insurance rates are so individual that the best way to find a deal is to collect and compare multiple car insurance quotes.

Who gives the lowest car insurance rates?

Clearcover, Nationwide, Allstate, and Travelers have all offered some of the cheapest rates to Omaha motorists, but it’s important to remember that the best rate for you might look completely different to someone else. Every driver is unique, meaning your rates will be too!

How much is car insurance in Nebraska per month?

Car insurance in Nebraska costs an average of $86 per month and $1,036 per year. That’s about $51 per month (or $620 per year) for a minimum coverage insurance policy and $121 per month (or $1,453 per year) for full coverage.

What’s the minimum car insurance in Nebraska?

The minimum car insurance in Nebraska is a liability and Uninsured Motorist/Underinsured Motorist (UM/UIM) coverage. Your coverage limits must be at least $25,000 of bodily injury liability coverage per person (up to $50,000 per accident) and $25,000 of property damage liability coverage per accident. Plus, you’ll need $25,000 of UM/UIM bodily injury coverage per person (up to $50,000 per accident).

Is car insurance expensive in Nebraska?

Nebraska auto insurance averages about $620 per year for minimum coverage and $1,453 per year for full coverage, which is about 42% lower than the national average rates. So, no, it’s not that expensive!

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

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

Meet our experts

Jasmine Kanter

Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.

Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.

Kianna Walpole

Expert Insurance Writer & Editor

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.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*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.