Omaha, NE Auto Insurance (2024)
The average Omaha, NE auto insurance rates are $317 per month. The minimum auto insurance in Omaha is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Omaha, Nebraska, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Omaha, Nebraska is 25/50/25
- Average auto insurance rates in Omaha, NE for senior drivers are $2,093 per year
- The most expensive auto insurance company in Omaha for teen drivers is Liberty Mutual
Omaha, Nebraska auto insurance requirements are 25/50/25 according to Nebraska auto insurance laws. Finding cheap auto insurance in Omaha can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Omaha, Nebraska, including driving record, credit, commute time, and more.
Compare auto insurance in Omaha to other Nebraska cities, including Columbus auto insurance rates, Hastings auto insurance rates, and Lincoln auto insurance rates to see how Omaha, Nebraska auto insurance rates stack up.
Before you buy Omaha, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Omaha, Nebraska auto insurance quotes.
Minimum Auto Insurance in Omaha, Nebraska
Omaha, Nebraska auto insurance laws require that you have at least the Nebraska minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Omaha, Nebraska.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Omaha, Nebraska Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Omaha, Nebraska are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,316 | $2,183 | $2,088 | $2,104 | $7,086 | $7,480 | $2,545 | $2,571 |
| American Family | $1,888 | $1,888 | $1,734 | $1,734 | $3,302 | $5,028 | $1,848 | $2,023 |
| Farmers | $2,597 | $2,577 | $2,314 | $2,454 | $10,737 | $11,088 | $2,942 | $3,051 |
| Geico | $2,685 | $2,628 | $2,641 | $2,542 | $5,977 | $7,757 | $2,433 | $2,336 |
| Liberty Mutual | $3,576 | $3,873 | $2,827 | $3,453 | $16,401 | $18,443 | $3,715 | $4,094 |
| Nationwide | $2,291 | $2,350 | $2,056 | $2,190 | $5,719 | $7,072 | $2,692 | $2,908 |
| Progressive | $2,204 | $2,094 | $1,819 | $1,896 | $9,161 | $10,293 | $2,630 | $2,817 |
| State Farm | $1,801 | $1,801 | $1,620 | $1,620 | $5,433 | $6,859 | $2,005 | $2,265 |
| USAA | $1,382 | $1,367 | $1,282 | $1,295 | $4,645 | $5,489 | $1,764 | $1,944 |
Cheap Omaha, Nebraska Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Omaha, Nebraska is a challenge. Take a look at the annual teen auto insurance rates in Omaha, Nebraska.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,086 | $7,480 |
| American Family | $3,302 | $5,028 |
| Farmers | $10,737 | $11,088 |
| Geico | $5,977 | $7,757 |
| Liberty Mutual | $16,401 | $18,443 |
| Nationwide | $5,719 | $7,072 |
| Progressive | $9,161 | $10,293 |
| State Farm | $5,433 | $6,859 |
| USAA | $4,645 | $5,489 |
Cheap Omaha, Nebraska Auto Insurance for Seniors
What are senior auto insurance rates in Omaha, Nebraska? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,088 | $2,104 |
| American Family | $1,734 | $1,734 |
| Farmers | $2,314 | $2,454 |
| Geico | $2,641 | $2,542 |
| Liberty Mutual | $2,827 | $3,453 |
| Nationwide | $2,056 | $2,190 |
| Progressive | $1,819 | $1,896 |
| State Farm | $1,620 | $1,620 |
| USAA | $1,282 | $1,295 |
Cheap Omaha, Nebraska Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Omaha, Nebraska compared to the annual auto insurance rates with a clean record in Omaha, Nebraska.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,029 | $3,460 | $4,265 | $3,433 |
| American Family | $2,385 | $2,569 | $2,385 | $2,385 |
| Farmers | $3,985 | $5,140 | $5,012 | $4,743 |
| Geico | $2,366 | $3,358 | $4,997 | $3,779 |
| Liberty Mutual | $6,023 | $7,149 | $7,712 | $7,308 |
| Nationwide | $2,439 | $3,501 | $4,946 | $2,752 |
| Progressive | $3,481 | $5,183 | $3,903 | $3,892 |
| State Farm | $2,677 | $3,174 | $2,925 | $2,925 |
| USAA | $1,806 | $2,300 | $3,429 | $2,049 |
Cheap Omaha, Nebraska Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Omaha, Nebraska is not easy. Compare the annual rates for DUI auto insurance in Omaha, Nebraska to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,265 |
| American Family | $2,385 |
| Farmers | $5,012 |
| Geico | $4,997 |
| Liberty Mutual | $7,712 |
| Nationwide | $4,946 |
| Progressive | $3,903 |
| State Farm | $2,925 |
| USAA | $3,429 |
Cheap Omaha, Nebraska Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Omaha, Nebraska annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,402 | $3,356 | $2,882 |
| American Family | $3,281 | $2,209 | $1,802 |
| Farmers | $5,375 | $4,503 | $4,283 |
| Geico | $4,135 | $3,600 | $3,139 |
| Liberty Mutual | $10,132 | $6,172 | $4,839 |
| Nationwide | $4,080 | $3,281 | $2,868 |
| Progressive | $4,669 | $3,979 | $3,695 |
| State Farm | $4,253 | $2,547 | $1,976 |
| USAA | $3,167 | $2,169 | $1,852 |
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Cheap Omaha, Nebraska Auto Insurance Rates By Commute
Commute length and annual mileage affect Omaha, Nebraska auto insurance. Find the cheapest annual Omaha, Nebraska auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,547 | $3,547 |
| American Family | $2,411 | $2,450 |
| Farmers | $4,720 | $4,720 |
| Geico | $3,570 | $3,680 |
| Liberty Mutual | $7,048 | $7,048 |
| Nationwide | $3,410 | $3,410 |
| Progressive | $4,114 | $4,114 |
| State Farm | $2,850 | $3,001 |
| USAA | $2,369 | $2,423 |
Cheap Omaha, Nebraska Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Omaha, Nebraska? Check out the comparison of annual Omaha, Nebraska auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,427 | $3,539 | $3,674 |
| American Family | $2,388 | $2,503 | $2,401 |
| Farmers | $4,488 | $4,639 | $5,034 |
| Geico | $3,511 | $3,621 | $3,743 |
| Liberty Mutual | $6,804 | $7,001 | $7,338 |
| Nationwide | $3,418 | $3,406 | $3,405 |
| Progressive | $3,887 | $4,104 | $4,353 |
| State Farm | $2,774 | $2,922 | $3,081 |
| USAA | $2,301 | $2,393 | $2,494 |
Best By Category: Cheapest Auto Insurance in Omaha, Nebraska
Compare the cheapest auto insurance companies in Omaha, Nebraska in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
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The Cheapest Omaha, Nebraska Auto Insurance Companies
What auto insurance companies in Omaha, Nebraska are the cheapest? Compare the top Omaha, Nebraska auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,547 |
| American Family | $2,431 |
| Farmers | $4,720 |
| Geico | $3,625 |
| Liberty Mutual | $7,048 |
| Nationwide | $3,410 |
| Progressive | $4,114 |
| State Farm | $2,925 |
| USAA | $2,396 |
What affects auto insurance rates in Omaha, Nebraska?
There are a lot of reasons why auto insurance rates in Omaha, Nebraska are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Omaha, Nebraska. Many local factors may affect your Omaha auto insurance rates.
Omaha Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Omaha, Nebraska commute length is 19.2 minutes according to City-Data.
Omaha Traffic
How does Omaha, Nebraska rank for traffic? According to Inrix Omaha, Nebraska is the 824th most congested worldwide.
Compare Omaha, Nebraska Auto Insurance Quotes
Before you buy Omaha, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Omaha, Nebraska auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What is the minimum auto insurance required in Omaha, Nebraska?
The minimum required coverage is 25/50/25: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability.
What factors affect auto insurance rates in Omaha, Nebraska?
Factors include age, gender, marital status, driving record, credit history, commute time, and coverage level.
Can I get auto insurance with bad credit history in Omaha, Nebraska?
Yes, it’s possible, but bad credit history may impact premiums. Shopping around and comparing quotes can help find affordable options despite poor credit.
Are there discounts available for auto insurance in Omaha, Nebraska?
Yes, common discounts include good student, safe driver, multi-policy, and vehicle safety feature discounts. Inquire about available discounts when obtaining quotes.
How much does auto insurance cost for teen drivers in Omaha, Nebraska?
Teen drivers generally have higher premiums due to limited driving experience. Rates vary but tend to be higher than for experienced drivers. Adding teens to parents’ policies or exploring discounts and safe driving programs can help reduce costs.
How can I find cheap auto insurance in Omaha, Nebraska?
Compare quotes from multiple insurance companies and use online tools or contact agents to gather quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.