Cheapest car insurance companies in Omaha 

Auto-Owners and Nationwide offer the cheapest car insurance rates in Omaha for 2023, according to a study by Insurance.com.

In Omaha, Auto-Owners provides the cheapest auto insurance rates to drivers at an average annual premium of $1,329 annually

When it comes to car insurance costs in Omaha, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

CompaniesAverage annual rates
USAA$1,292
Auto-Owners$1,329
Nationwide$1,358
Geico$1,801
Shelter Insurance$1,874
Farmers Mut Ins Co of NE$1,954
Progressive$2,088
Iowa Farm Bureau$2,521
State Farm$2,534
Allstate$2,690

Cheapest car insurance cost in Omaha by Age Group 

The cheapest auto insurance company in Omaha for teen drivers is Auto-Owners. For full coverage, its average annual rate for Omaha drivers is $4,120. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

USAA provides the cheapest car insurance coverage for young drivers in Omaha, with an annual premium of $2,165 on average.

As Omaha drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,315

Omaha senior drivers seeking affordable car insurance should look no further than Nationwide. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,220. It makes Nationwide a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
Auto-Owners$4,120$2,417$1,351$1,402
USAA$4,277$2,165$1,315$1,270
Farmers Mut Ins Co of NE$4,580$3,161$1,960$1,749
Nationwide$5,072$2,381$1,338$1,220
Shelter Insurance$5,961$3,561$1,922$1,741
Geico$6,508$2,842$1,804$2,096
Iowa Farm Bureau$7,263$3,772$2,415$2,170
State Farm$7,442$4,270$2,548$2,424
Allstate$8,713$4,050$2,762$2,596
Progressive$9,872$3,467$2,107$1,828

Cheapest car insurance companies in Omaha by driver profile 

Insurers in Omaha consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

Comparison shopping is the key to getting the cheapest car insurance rates in Omaha. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

Here are some of the cheapest car insurance companies in Omaha based on driver profile. 

Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Omaha drivers is $1,568

The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores. 

CompanyAverage annual rates
Nationwide$1,568
Geico$1,972
USAA$2,054
Allstate$2,790
Farmers$2,953
Progressive$4,605
State Farm$8,023

In Omaha, Geico provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,449, on average. 

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
Geico$1,449
Nationwide$1,461
USAA$1,547
Allstate$1,972
State Farm$1,984
Farmers$2,654
Progressive$2,851

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, Insurance.com found that Nationwide offers the cheapest car insurance rates for Omaha drivers with at-fault accidents. It provides coverage at an average annual cost of $2,093.

CompanyAverage annual rates
Nationwide$2,093
USAA$2,095
State Farm$2,130
Allstate$2,659
Geico$3,015
Farmers$3,090
Progressive$3,749

State Farm is the cheapest option for Omaha drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,984, on average.

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
State Farm$1,984
Allstate$2,692
USAA$2,700
Nationwide$2,731
Progressive$2,858
Farmers$3,185
Geico$6,772

Average car insurance cost in Omaha 

On average, Omaha drivers pay $1,944 annually, or $162 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Omaha is $486.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$1,944$486

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

While the 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.

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