Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jan 20, 2021

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Here's what you need to know...

  • Omaha, Nebraska has specific requirements concerning insurance
  • There are several insurance companies that offer policies in Omaha
  • Know the other factors that will help determine the price of your insurance

Omaha, Nebraska has specific rules for drivers to not only possess automobile insurance, but there are also regulations regarding the type and amounts of coverage each drive must carry.

This article discusses information pertaining to Omaha, its car insurance companies, rates, and statistics for a better understanding of car insurance expectations.

Be sure to enter your ZIP code into the FREE tool above to compare car insurance rates instantly.

Car Insurance Rates in Omaha

There are a number of different city car insurance rates available in Omaha. The rates listed below are average rates based on standardized car insurance packages. The numbers may vary based on coverage needs, individual driving records, and current market values.

Here are some comparative facts to know when looking for the cheapest rates:

  • The national American spends roughly $1,414/yr. on their individual car insurance package.
  • The average for a citizen of Nebraska spends $1,020/yr.
  • The average for someone living in Omaha spends more than both of the previous numbers coming in at $1,440 or roughly $120/mo.

Car insurance in Omaha comes in slightly above the national average. In addition, the type of vehicle being driven will greatly influence the types of car insurance needed.

Monthly Omaha, NE Car Insurance Rates by ZIP Code

Check out the monthly Omaha, NE auto insurance rates by ZIP Code below:

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Omaha, NE Car Insurance Rates by Company vs. City Average

Which Omaha, NE auto insurance company has the cheapest rates? And how do those rates compare against the average Nebraska auto insurance company rates? We’ve got the answers below.

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The Cheapest Omaha, NE Car Insurance Rates by Credit Score

Your credit score will play a major role in your Omaha auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Omaha, NE auto insurance rates by credit score below.

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Omaha, NE Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Omaha, NE stack up against other top metro auto insurance rates? We’ve got your answer below.

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The Cheapest Omaha, NE Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Omaha auto insurance rates. Find the cheapest Omaha, NE auto insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Omaha, NE

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Nebraska does use gender, so check out the average monthly auto insurance rates by age and gender in Omaha, NE.

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Omaha, NE Car Insurance Rates by Company and Age

Omaha, NE auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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The Cheapest Omaha, NE Car Insurance Rates by Driving Record

Your driving record will play a major role in your Omaha auto insurance rates. For example, other factors aside, a Omaha, NE DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Omaha, NE auto insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Omaha, NE

Factors affecting auto insurance rates in Omaha, NE may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Omaha, NE auto insurance.

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Omaha Laws for Car Insurance

 

It is important to understand the specific laws to follow to ensure you are operating your vehicles within the guidelines of the laws while living in the city.

Automobile insurance in Omaha is mandatory.

When operating any vehicle while on any public thoroughfare, drivers must carry proof of insurance, such as a car insurance card and be able to provide this proof in the event it of an accident.

Police are also required to ask for proof of insurance during all routine traffic stops.

Omaha Auto Insurance Requirements

In addition to having auto insurance being a legal requirement, the state has certain minimum requirements of insurance one must carry.

Bodily injury and death coverage limits:

  • $25,000 to cover one person in any one accident
  • $50,000 to cover any and all injuries
  • Property damage of $25,000

These minimum levels are simply to meet the requirements of the law; however, additional coverage should be considered if necessary, depending on the vehicle or driver.

Driver’s license and privileges may be suspended or revoked if a person is found to be driving without the appropriate levels of auto insurance. In some circumstances, drivers may also be required to carry SR-22 coverage or high-risk car insurance.

SR-22 car insurance also comes with much higher rates making it a financial burden for those who are required to carry it.

Although fines, loss of driving privileges, and increased insurance premiums are put in place, according to Insurance Research Council, one in every 12 drivers within the state of Nebraska opts to not carry car insurance.

Car Insurance Companies & Agencies in Omaha

 

There are varying options for car insurance companies within the Omaha area. Each company is different and the level of service may differ depending on the car insurance agent.

Here are a few car insurance companies providing services in Omaha:

  • Allied Insurance
  • Allstate Insurance
  • American Family Insurance
  • Auto-Owners Insurance Company
  • Farmer’s Insurance
  • MetLife Insurance Agency
  • Progressive Insurance
  • State Farm Insurance

In addition to working directly with these specific companies, there are a number of individual insurance agents throughout the greater Omaha metropolitan area.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Car Insurance in Omaha Statistics

 

Not only will the type of vehicle dictate car insurance rates, but other vehicle and driving statistics will also determine the price one might pay for car insurance in Omaha.

There are a number of things car insurance companies in Omaha will consider when setting rates for their customers. For example, if a car is one that is more likely to be stolen, the insurance to cover the vehicle may be more expensive.

Another thing Omaha car insurance companies will look for is the gender of the person driving the vehicle.

Men usually pay higher rates based on statistics showing them to pose more of a risk to driving safely. Statistics show men typically drive faster, have more ticketed driving infractions, and are involved in more accidents than women.

Knowing what is required, as well as what will increase and decrease one’s monthly premiums will greatly assist in determining which options will be the best for each individual’s car insurance needs.

The best approach is to compare quotes online with our free car insurance quote search.

With individual needs varying from customer to customer, comparing multiple quotes should assist in finding the best car insurance available in Omaha. Try our FREE ZIP code search today!

References:

  1. http://www.doi.nebraska.gov/
  2. http://www.cityofomaha.org/
  3. http://www.ircweb.org/news/IRC_UM_012109.pdf
  4. https://www.allstate.com/
  5. https://www.metlife.com/