Compare Omaha, NE Car Insurance Rates (2021)

Car insurance in Omaha, NE averages $317 a month. Omaha, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Omaha car insurance rates, compare quotes from the top car insurance companies in Omaha, NE.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Omaha, NE after a DUI are $4,397/year
  • Average car insurance rates in Omaha, NE are $3,802/year
  • The cheapest car insurance company in Omaha is USAA

If you need to buy Omaha, Nebraska car insurance, the options can be confusing. Everything you need to know about car insurance in Omaha, NE is right here.

You’ll find Omaha car insurance rates, the cheapest Omaha, NE car insurance companies, and information on Nebraska car insurance laws. You can also compare Omaha, Nebraska car insurance rates to Omaha car insurance rates, Columbus car insurance rates, and Lincoln car insurance rates.

Ready to find affordable Omaha, NE car insurance today? Enter your ZIP code for fast, free Omaha car insurance quotes.

Cheapest Omaha, NE Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Omaha, NE car insurance rates? Every Omaha, Nebraska car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Omaha, Nebraska

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

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Minimum Car Insurance in Omaha, NE

Every driver must carry the minimum car insurance in Omaha, NE. Take a look at the Nebraska car insurance requirements.

Minimum Required Car Insurance Coverage 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

Cheapest Omaha, NE Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Omaha, NE. Compare credit history car insurance rates in Omaha from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Omaha, Nebraska

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

Cheapest Omaha, NE Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Omaha, NE to rates for a clean record with top companies.

Annual Omaha, Nebraska Car Insurance Rates by Driving Record

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

Cheapest Omaha, NE Car Insurance for Teen Drivers

Teen car insurance in Omaha, NE can be expensive. Take a look at rates from the top car insurance companies in Omaha for teenagers.

Annual Car Insurance Rates for Teen Drivers 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

Cheapest Omaha, NE Car Insurance for Seniors

Take a look at Omaha, NE senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Omaha, Nebraska

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

Cheapest Omaha, NE Car Insurance Rates After a DUI

A DUI in Omaha, NE increases car insurance rates. Compare Omaha, Nebraska DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Omaha, Nebraska

Insurance Company Annual Car 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

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Cheapest Omaha, NE Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Omaha, NE by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Omaha, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

The Best Cheap Car Insurance Companies in Omaha, NE

Take a look at a side-by-side comparison of the top car insurance companies in Omaha, NE to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Omaha, Nebraska

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

Category Winners: Cheapest Car Insurance in Omaha, Nebraska

Find the cheapest car insurance companies in Omaha, NE for each category right here.

Best Annual Car Insurance Rates by Company in Omaha, Nebraska

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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Cheapest Omaha, NE Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Omaha car insurance rates. Find the cheapest Omaha, NE car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Omaha, Nebraska

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

What affects car insurance rates in Omaha, Nebraska?

What factors can have an impact on Omaha, NE car insurance? There are several reasons why Omaha car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Omaha, Nebraska.

Commute Time in Omaha

The more time you spend in your car the higher the risk of an accident. The average commute length in Omaha, NE is 19.2 minutes according to City-Data.

Traffic in Omaha

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Omaha, NE traffic data from INRIX ranks Omaha as the 824th-most congested in the world.

Compare Car Insurance Quotes in Omaha, NE

Ready to find affordable Omaha, Nebraska car insurance today? Enter your ZIP code for fast, free Omaha, NE car insurance quotes.

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