Cheap Car Insurance in Omaha, Neb.

Auto-Owners Insurance, Farmers Mutual of Nebraska, USAA, Progressive and North Star Mutual rank among the best car insurance companies in Omaha. These providers offer affordable rates that fall below both the minimum- and full-coverage averages for the city, and they’re recognized for their exceptional customer service and thorough coverage options.

Keep reading: Cheap Car Insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving record.

Our data shows that minimum-coverage insurance in Omaha costs $45 per month or $538 per year on average. This is about 14% less than the national average of $52 per month or $625 per year. Similarly, full-coverage insurance costs $163 per month or $1,955 per year on average, which is about 3% less expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Omaha, Neb.

Auto-Owners Insurance offers the cheapest liability insurance with average rates of $29 per month or $350 per year. Farmers Mutual of Nebraska is the second-cheapest option in Omaha with average rates of $31 per month or $374 per year.

Liability coverage is the minimum coverage required by the state of Nebraska. According to Nebraska law, all drivers must either meet or exceed the following minimum insurance requirements:

• $50,000 bodily injury liability per accident
• $25,000 bodily injury liability per person
• $25,000 property damage liability per accident
• $50,000 underinsured/uninsured motorist bodily injury coverage per accident
• $25,000 underinsured/uninsured motorist bodily injury coverage per person

Cheapest Full-Coverage Car Insurance in Omaha, Neb.

A full-coverage car insurance policy can be pricey in Omaha. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Nationwide is the cheapest full-coverage option with average rates of $121 per month or $1,450 per year.

The average cost of car insurance coverage in Omaha is calculated based on many things — from a driver’s accident history to their age to their traffic violations. That’s why the most affordable provider for one driver may not be the cheapest for you. This section will look at Omaha’s car insurance prices based on driving profile.

Columbus Car Insurance Cost by Age

Auto insurance costs for teenagers are higher than average in most states because younger drivers are more likely to engage in reckless behavior behind the wheel, break traffic laws and get into car accidents. 

They also have less experience behind the wheel and not much of a driving record for companies to use, which makes them a high risk to insure. Our data shows this trend in Columbus as well, with 16-year-olds paying about $265 per month or $3,176 per year for car insurance.

As drivers advance into their 20s and go toward middle age, the typical expenses of car insurance go down. Below, you can see this trend in the average costs of minimum-coverage car insurance for several age ranges in Columbus:

Cheapest Car Insurance in Omaha, Neb.: Teen Drivers

Car insurance for teens is expensive, but some providers tend to be more affordable than others. Our data shows Farmers Mutual of Nebraska is the cheapest car insurance provider for teen drivers with minimum-coverage rates as low as $87 per month or $1,041 per year. North Star Mutual, Auto-Owners Insurance and USAA also offer affordable premiums for Omaha teens.

Omaha Car Insurance Cost by Credit Score

In Nebraska, like many other states, car insurance companies can factor in credit scores when calculating premiums. If you have a subpar credit score, you’ll likely face higher insurance costs. If you have good credit, you’ll likely get lower-than-average rates.

Cheapest Car Insurance in Omaha, Neb.: Poor Credit

Our rate data shows Farmers Mutual of Nebraska is the cheapest option for car insurance for bad credit in Omaha. The company offers minimum-coverage policies to drivers with poor credit for rates of $45 per month or $540 per year. This is 41% more than the overall state average for minimum coverage for good credit.

Omaha Car Insurance Cost by Driving Record

Motorists who have records of speeding tickets, accidents or DUI offenses can anticipate higher car insurance rates. On average, speeding can increase your rates by 70%, an at-fault accident by 106% and a DUI by 139%.

The extent of how much your premium will change after an infraction depends on your company. Our research shows that you should look to Farmers Mutual of Nebraska for the cheapest auto insurance rates if you have too many accidents or violations from the last five years on your record. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Omaha, Neb.: Speeding Ticket

According to our data, Farmers Mutual of Nebraska offers the cheapest rates to motorists who have a speeding ticket in their recent driving history — $34 per month or $408 per year. USAA follows close behind with an average monthly rate of $40, while Auto-Owners Insurance, Progressive and North Star Mutual round out the top five options for cheap speeding ticket car insurance in Omaha.

Cheapest Car Insurance in Omaha, Neb.: At-Fault Accident

Being at fault in an accident raises insurance premiums more than receiving a speeding ticket. Auto-Owners Insurance and Farmers Mutual of Nebraska are the cheapest options here with average rates of about $33 per month and $38 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.

Cheapest Car Insurance in Omaha: DUI

Getting caught driving under the influence (DUI) is a grave violation that can elevate your vehicle insurance premiums in Omaha by a significant amount each year. The good news is that Progressive is very cheap compared to other companies — it offers average rates of $45 per month or $541 per year for drivers with a DUI. Farm Bureau, Farmers Mutual of Nebraska and State Farm are also good options with rates under $62 per month on average.

Omaha Car Insurance Cost by ZIP Code

The car insurance costs you pay are highly influenced by the amounts of people, accidents, traffic and car-related crimes in your area. Below, you can see certain ZIP codes in Omaha can be up to 7.7% cheaper or 10.8% more expensive than the city average.

Car insurance prices in Omaha are 14% less than the national average, but you can still find ways to get even lower rates. Auto-Owners Insurance is the most inexpensive provider in the city, offering minimum coverage at approximately $29 per month. Nationwide provides highly reasonable full-coverage rates for Omaha motorists, starting at $121 per month. 

Compare free quotes to find the company that meets your Nebraska car insurance needs at the best rate. You can get auto insurance quotes online or from insurance agents.