Average car insurance cost in Omaha
The average cost of full coverage car insurance in Omaha is $2,376 per year, or about $198 per month. This rate is based on 100/300/100 liability limits and $500 deductibles. State minimum insurance averages $526 annually but offers substantially less coverage.
The required state minimum liability limits are 25/50/25. A minimum-coverage policy pays for injuries or property damage you cause to others, up to the policy limits. It does not include comprehensive or collision insurance for damage to your own car.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,188 |
| Average annual premium | $2,376 |
| State minimum premium | $526 |
Cheapest car insurance companies in Omaha
Farmers Mutual of Nebraska is the cheapest car insurance company in Omaha, with an average full coverage rate of $1,669 per year. Auto-Owners is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.
Below are the companies that offer cheap car insurance to drivers in Omaha.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Farmers Mutual of Nebraska | $834 | $1,669 |
| Auto-Owners | $937 | $1,875 |
| GEICO | $1,063 | $2,126 |
| Shelter Insurance | $1,316 | $2,633 |
| Progressive | $1,322 | $2,644 |
| Allstate | $1,487 | $2,975 |
| Iowa Farm Bureau | $2,343 | $4,686 |
| USAA | $872 | $1,745 |
Cheapest car insurance cost in Omaha by age group
The cheapest car insurance company in Omaha varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. Farmers Mutual of Nebraska is cheapest for teens, Farmers Mutual of Nebraska for young adults, Farmers Mutual of Nebraska for adults, and Farmers Mutual of Nebraska for seniors in our rate analysis.
Take a look at the cheapest companies in Omaha by age group:
- Cheapest for teens: Farmers Mutual of Nebraska
- Cheapest for young adults: Farmers Mutual of Nebraska
- Cheapest for adults: Farmers Mutual of Nebraska
- Cheapest for seniors: Farmers Mutual of Nebraska
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Farmers Mutual of Nebraska offers the cheapest car insurance for teens at $3,595 per year.
Farmers Mutual of Nebraska offers the most affordable auto insurance for young adults at $2,234 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Farmers Mutual of Nebraska provides the lowest car insurance rates at $1,596 per year for adult drivers in Omaha.
Farmers Mutual of Nebraska offers the least expensive car insurance for senior drivers in Omaha, at $1,550 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $3,595 | $2,234 | $1,596 | $1,550 |
| Auto-Owners | $5,843 | $3,440 | $1,909 | $1,986 |
| GEICO | $7,614 | $3,341 | $2,127 | $2,464 |
| Progressive | $12,182 | $4,415 | $2,646 | $2,113 |
| Shelter Insurance | $8,344 | $5,004 | $2,700 | $2,445 |
| Allstate | $8,282 | $4,446 | $3,054 | $2,892 |
| Iowa Farm Bureau | $12,049 | $7,379 | $4,566 | $4,143 |
| USAA | $6,424 | $3,032 | $1,777 | $1,710 |
Cheapest car insurance companies in Omaha by driver profile
The cheapest car insurance company in Omaha depends on the driver's record and credit profile. Auto-Owners is cheapest after an at-fault accident, Progressive after a DUI, and GEICO after a speeding ticket. Comparing insurers is especially important after a violation.
Below are some of the cheapest car insurance companies in Omaha by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: Auto-Owners
- Cheapest for a DUI: Progressive
- Cheapest for a driver with a speeding ticket: GEICO
Cheapest for a driver with poor credit: GEICO
Drivers with poor credit in Omaha can find the lowest average car insurance rate from GEICO at $3,118 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Omaha.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,559 | $3,118 |
| Progressive | $2,179 | $4,359 |
| Allstate | $2,363 | $4,726 |
| Auto-Owners | $2,735 | $5,470 |
| USAA | $1,532 | $3,063 |
Cheapest auto insurance after an at-fault accident: Auto-Owners
In Omaha, Auto-Owners offers the cheapest car insurance for drivers with an at-fault accident at $2,845 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Omaha.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Auto-Owners | $1,422 | $2,845 |
| Allstate | $2,097 | $4,194 |
| GEICO | $2,210 | $4,421 |
| Progressive | $2,301 | $4,602 |
| USAA | $1,301 | $2,602 |
Cheapest auto insurance after a DUI: Progressive
Progressive offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $3,198 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Omaha.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $1,599 | $3,198 |
| Auto-Owners | $1,870 | $3,741 |
| Allstate | $1,926 | $3,853 |
| GEICO | $3,565 | $7,130 |
| USAA | $1,815 | $3,631 |
Cheapest for drivers with a speeding ticket: GEICO
GEICO offers the cheapest car insurance at $2,291 in Omaha for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,145 | $2,291 |
| Auto-Owners | $1,476 | $2,951 |
| Allstate | $1,631 | $3,262 |
| Progressive | $1,900 | $3,799 |
| USAA | $1,088 | $2,177 |
Car insurance discounts for Omaha drivers
The biggest car insurance discount available in Omaha is for the Student Away At School category at 47%, offered by GEICO.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Omaha drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | GEICO | $2,859 | $2,842 | 1% | $18 |
| Anti-Theft Device | Auto-Owners | $1,638 | $1,619 | 1% | $19 |
| Anti-Theft Device | GEICO | $2,859 | $2,808 | 2% | $51 |
| Comp and Coll Deductibles | Auto-Owners | $1,638 | $1,469 | 10% | $169 |
| Comp and Coll Deductibles | Farmers Mutual of Nebraska | $1,605 | $1,582 | 1% | $23 |
| Comp and Coll Deductibles | Shelter Insurance | $2,346 | $2,062 | 12% | $284 |
| Comp and Coll Deductibles | Progressive | $2,515 | $2,103 | 16% | $411 |
| Comp and Coll Deductibles | Allstate | $2,824 | $2,403 | 15% | $421 |
| Comp and Coll Deductibles | GEICO | $2,859 | $2,476 | 13% | $383 |
| Comp and Coll Deductibles | Iowa Farm Bureau | $4,829 | $4,013 | 17% | $816 |
| Daily Commute | Auto-Owners | $1,638 | $1,511 | 8% | $127 |
| Daily Commute | GEICO | $2,859 | $2,687 | 6% | $172 |
| Daily Commute | Iowa Farm Bureau | $4,829 | $4,525 | 6% | $304 |
| Days Advanced Purchase | Auto-Owners | $1,638 | $1,515 | 8% | $123 |
| Days Advanced Purchase | Shelter Insurance | $2,346 | $2,186 | 7% | $160 |
| Days Advanced Purchase | Progressive | $2,515 | $2,486 | 1% | $29 |
| Days Advanced Purchase | Allstate | $2,824 | $2,533 | 10% | $291 |
| Days Per Week Driven | GEICO | $2,859 | $2,687 | 6% | $172 |
| Education | Progressive | $2,515 | $2,456 | 2% | $59 |
| Education | GEICO | $2,859 | $2,586 | 10% | $273 |
| Electronic Funds Transfer | Allstate | $2,824 | $2,752 | 3% | $73 |
| Homeowner | Auto-Owners | $1,638 | $1,524 | 7% | $115 |
| Homeowner | Progressive | $2,515 | $2,465 | 2% | $50 |
| Homeowner | Allstate | $2,824 | $2,790 | 1% | $34 |
| Lower Annual Mileage | Shelter Insurance | $2,346 | $2,186 | 7% | $160 |
| Lower Annual Mileage | Progressive | $2,515 | $2,385 | 5% | $129 |
| Lower Annual Mileage | Allstate | $2,824 | $2,630 | 7% | $194 |
| Loyalty - Years Renewal With Company | Farmers Mutual of Nebraska | $1,605 | $1,530 | 5% | $75 |
| Loyalty - Years Renewal With Company | Shelter Insurance | $2,346 | $2,253 | 4% | $93 |
| Loyalty - Years Renewal With Company | Progressive | $2,515 | $2,433 | 3% | $82 |
| Loyalty - Years Renewal With Company | Iowa Farm Bureau | $4,829 | $4,357 | 10% | $472 |
| Marital Status | Farmers Mutual of Nebraska | $1,605 | $1,475 | 8% | $130 |
| Marital Status | Progressive | $2,515 | $2,104 | 16% | $411 |
| Marital Status | Shelter Insurance | $2,346 | $2,276 | 3% | $71 |
| Marital Status | Allstate | $2,824 | $2,731 | 3% | $94 |
| Marital Status | Iowa Farm Bureau | $4,829 | $4,452 | 8% | $377 |
| Multi Policy | Farmers Mutual of Nebraska | $1,605 | $1,491 | 7% | $114 |
| Multi Policy | Auto-Owners | $1,638 | $1,511 | 8% | $128 |
| Multi Policy | Shelter Insurance | $2,346 | $2,301 | 2% | $45 |
| Multi Policy | Progressive | $2,515 | $2,385 | 5% | $130 |
| Multi Policy | Allstate | $2,824 | $2,613 | 7% | $211 |
| Multi Policy | GEICO | $2,859 | $2,736 | 4% | $123 |
| Multi Policy | Iowa Farm Bureau | $4,829 | $4,519 | 6% | $310 |
| Paperless/Electornic Documents | Progressive | $2,515 | $2,490 | 1% | $25 |
| Paperless/Electornic Documents | Allstate | $2,824 | $2,703 | 4% | $121 |
| Payment Type | Auto-Owners | $1,638 | $1,442 | 12% | $197 |
| Payment Type | Farmers Mutual of Nebraska | $1,605 | $1,477 | 8% | $128 |
| Payment Type | Shelter Insurance | $2,346 | $2,065 | 12% | $281 |
| Payment Type | Allstate | $2,824 | $2,352 | 17% | $472 |
| Payment Type | Iowa Farm Bureau | $4,829 | $4,346 | 10% | $483 |
| Primary Use | Auto-Owners | $1,638 | $1,409 | 14% | $230 |
| Primary Use | Farmers Mutual of Nebraska | $1,605 | $1,554 | 3% | $51 |
| Primary Use | Shelter Insurance | $2,346 | $1,710 | 27% | $636 |
| Primary Use | Progressive | $2,515 | $2,427 | 4% | $88 |
| Primary Use | Allstate | $2,824 | $2,651 | 6% | $173 |
| Primary Use | GEICO | $2,859 | $2,687 | 6% | $172 |
| Primary Use | Iowa Farm Bureau | $4,829 | $4,121 | 15% | $708 |
| Profession | Progressive | $2,515 | $2,095 | 17% | $420 |
| Profession | GEICO | $2,859 | $2,582 | 10% | $277 |
| Safety Devices | Auto-Owners | $1,638 | $1,574 | 4% | $65 |
| Safety Devices | Allstate | $2,824 | $2,651 | 6% | $173 |
| Safety Devices | GEICO | $2,859 | $2,801 | 2% | $58 |
| Telematics | Progressive | $2,515 | $2,138 | 15% | $377 |
| Telematics | Iowa Farm Bureau | $4,829 | $4,358 | 10% | $471 |
| Years Insured | Auto-Owners | $1,638 | $1,361 | 17% | $278 |
| Years Insured | Shelter Insurance | $2,346 | $1,888 | 20% | $459 |
| Years Insured | Allstate | $2,824 | $1,937 | 31% | $887 |
| Years Insured | Progressive | $2,515 | $2,236 | 11% | $278 |
| Years Insured | Iowa Farm Bureau | $4,829 | $2,769 | 43% | $2,060 |
| Anti-Theft Device | USAA | $1,797 | $1,719 | 4% | $78 |
| Days Advanced Purchase | USAA | $1,797 | $1,702 | 5% | $95 |
| Electronic Funds Transfer | USAA | $1,797 | $1,745 | 3% | $52 |
| Lower Annual Mileage | USAA | $1,797 | $1,693 | 6% | $103 |
| Loyalty - Years Renewal With Company | USAA | $1,797 | $1,708 | 5% | $89 |
| Marital Status | USAA | $1,797 | $1,583 | 12% | $214 |
| Multi Policy | USAA | $1,797 | $1,738 | 3% | $59 |
| Primary Use | USAA | $1,797 | $1,532 | 15% | $265 |
| Safety Devices | USAA | $1,797 | $1,773 | 1% | $24 |
| Years Insured | USAA | $1,797 | $1,709 | 5% | $88 |
How to get cheap car insurance in Omaha in 2025
To get cheap car insurance in Omaha in 2026, compare at least three quotes for the same coverage, ask about every available discount and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. you can afford. Maintaining a clean driving record, selecting a lower-cost vehicle to insure, and reviewing coverage at renewal can also reduce premiums.
Find affordable car insurance in Omaha by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Omaha.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Omaha
How much does car insurance cost in Omaha?
Car insurance costs an average of $2,376 per year or about $198 per month for full coverage in Omaha. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in NE?
No, you don't legally need full coverage in NE, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Omaha?
You can reduce your car insurance costs in Omaha by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
Compare auto insurance rates by city in Nebraska
