- Average car insurance cost in Omaha
- Cheapest car insurance companies in Omaha
- Cheapest car insurance cost in Omaha by age group
- Cheapest car insurance companies in Omaha by driver profile
- Car insurance discounts for Omaha drivers
- How to get cheap car insurance in Omaha in 2025
- Methodology
- Compare auto insurance rates by city in Nebraska
Average car insurance cost in Omaha
The average car insurance rate in Omaha for full coverage is $1,944 per year or $162 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.
Whereas, the average rate for state minimum coverage in Omaha is $486 per year. The state minimum liability limits are 25/50/25.
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 potentially 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 | $972 |
| Average annual premium | $1,944 |
| State minimum premium | $486 |
Cheapest car insurance companies in Omaha
Auto-Owners offers the cheapest rates on average at $1,329 per year. Nationwide is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.
Car insurance prices differ based on where you live, your driving history, coverage limit 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 rate | Average annual rate |
|---|---|---|
| Auto-Owners | $665 | $1,329 |
| Nationwide | $679 | $1,358 |
| GEICO | $901 | $1,801 |
| Shelter Insurance | $937 | $1,874 |
| Farmers Mutual of Nebraska | $977 | $1,954 |
| Progressive | $1,044 | $2,088 |
| Iowa Farm Bureau | $1,260 | $2,521 |
| State Farm | $1,267 | $2,534 |
| Allstate | $1,345 | $2,690 |
| USAA | $646 | $1,292 |
Cheapest car insurance cost in Omaha by age group
Car insurance rates in Omaha vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Omaha by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.
- Cheapest for teens: Auto-Owners
- Cheapest for young adults: Nationwide
- Cheapest for adults: Nationwide
- Cheapest for seniors: Nationwide
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Auto-Owners offers the cheapest car insurance for teens at $4,120 per year.
Nationwide offers the most affordable auto insurance for young adults at $2,381 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 lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Nationwide provides the lowest car insurance rates at $1,338 per year for adult drivers in Omaha.
Nationwide offers the least expensive car insurance for senior drivers in Omaha, at $1,220 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 |
|---|---|---|---|---|
| Nationwide | $5,072 | $2,381 | $1,338 | $1,220 |
| Auto-Owners | $4,120 | $2,417 | $1,351 | $1,402 |
| GEICO | $6,508 | $2,842 | $1,804 | $2,096 |
| Shelter Insurance | $5,961 | $3,561 | $1,922 | $1,741 |
| Farmers Mutual of Nebraska | $4,580 | $3,161 | $1,960 | $1,749 |
| Progressive | $9,872 | $3,467 | $2,107 | $1,828 |
| 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 |
| USAA | $4,277 | $2,165 | $1,315 | $1,270 |
Cheapest car insurance companies in Omaha by driver profile
Car insurance rates in Omaha vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
Below are some of the cheapest car insurance companies in Omaha by driver profile.
- Cheapest for poor credit: Nationwide
- Cheapest for an at-fault accident: Auto-Owners
- Cheapest for a DUI: Progressive
- Cheapest for a driver with a speeding ticket: Nationwide
Cheapest for a driver with poor credit: Nationwide
Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Omaha pay about $1,933 per year for it.
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 |
|---|---|---|
| Nationwide | $967 | $1,933 |
| GEICO | $1,321 | $2,642 |
| Progressive | $1,721 | $3,442 |
| Auto-Owners | $1,939 | $3,878 |
| Allstate | $2,137 | $4,274 |
| State Farm | $6,642 | $13,283 |
| USAA | $1,135 | $2,269 |
Cheapest auto insurance after an at-fault accident: Auto-Owners
In Omaha, Auto-Owners offers the cheapest car insurance for drivers with at-fault accident at $2,017 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 | $1,009 | $2,017 |
| Nationwide | $1,180 | $2,360 |
| State Farm | $1,470 | $2,940 |
| Progressive | $1,817 | $3,634 |
| GEICO | $1,873 | $3,746 |
| Allstate | $1,897 | $3,793 |
| USAA | $964 | $1,928 |
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 $2,525 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 | $1,263 | $2,525 |
| Auto-Owners | $1,326 | $2,652 |
| State Farm | $1,369 | $2,737 |
| Nationwide | $1,404 | $2,807 |
| Allstate | $1,742 | $3,484 |
| GEICO | $3,022 | $6,043 |
| USAA | $1,345 | $2,690 |
Cheapest for drivers with a speeding ticket: Nationwide
Nationwide offers the cheapest car insurance at $1,669 in Omaha for drivers with 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 offering cheap auto insurance for drivers with speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Nationwide | $835 | $1,669 |
| GEICO | $971 | $1,941 |
| Auto-Owners | $1,046 | $2,092 |
| State Farm | $1,369 | $2,737 |
| Allstate | $1,475 | $2,950 |
| Progressive | $1,500 | $3,000 |
| USAA | $807 | $1,613 |
Car insurance discounts for Omaha drivers
The biggest car insurance discount available in Omaha is for the years licensed category at 40.19%, offered by GEICO.
Car insurance is essential for drivers in Omaha, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.
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 | % Discount | $ Difference |
|---|---|---|---|---|
| Air Bags | Allstate | $2,659 | 0.38% | $10 |
| Air Bags | Auto-Owners | $1,714 | 0.31% | $5 |
| Air Bags | Farmers Mutual Ins Co of NE | $1,550 | 0.39% | $6 |
| Air Bags | GEICO | $1,758 | 0.66% | $12 |
| Air Bags | Nationwide | $1,369 | 0.32% | $4 |
| Air Bags | Shelter Insurance | $2,253 | 0.06% | $1 |
| Anti-Theft Device | Auto-Owners | $1,714 | 3.06% | $52 |
| Anti-Theft Device | GEICO | $1,758 | 1.27% | $23 |
| Daily Commute | Auto-Owners | $1,714 | 10.91% | $187 |
| Daily Commute | GEICO | $1,758 | 5.59% | $99 |
| Daily Commute | Iowa Farm bureau | $2,184 | 5.37% | $118 |
| Daily Commute | Shelter Insurance | $2,253 | 4.86% | $110 |
| Days Advanced Purchase | Allstate | $2,659 | 9.98% | $265 |
| Days Advanced Purchase | Auto-Owners | $1,714 | 6.00% | $103 |
| Days Advanced Purchase | Farmers | $2,390 | 9.94% | $238 |
| Days Advanced Purchase | Nationwide | $1,369 | 4.12% | $57 |
| Days Advanced Purchase | Progressive | $3,381 | 3.73% | $126 |
| Days Advanced Purchase | Shelter Insurance | $2,253 | 6.90% | $155 |
| Days Per Week Driven | GEICO | $1,758 | 5.59% | $99 |
| Days Per Week Driven | Shelter Insurance | $2,253 | 4.21% | $95 |
| Education | GEICO | $1,758 | 4.90% | $86 |
| Education | Progressive | $3,381 | 3.00% | $102 |
| Electronic Funds Transfer | Allstate | $2,659 | 2.50% | $66 |
| Electronic Funds Transfer | Farmers | $2,390 | 1.99% | $48 |
| Electronic Funds Transfer | Progressive | $3,381 | 2.40% | $81 |
| Homeowner | Allstate | $2,659 | 1.20% | $32 |
| Homeowner | Auto-Owners | $1,714 | 7.00% | $120 |
| Homeowner | Farmers | $2,390 | 0.94% | $22 |
| Homeowner | Progressive | $3,381 | 6.22% | $210 |
| Lower Annual Mileage | Allstate | $2,659 | 6.71% | $178 |
| Lower Annual Mileage | Progressive | $3,381 | 4.32% | $146 |
| Lower Annual Mileage | State Farm | $2,016 | 10.09% | $204 |
| Loyalty - Years Renewal With Company | Farmers | $2,390 | 0.64% | $15 |
| Loyalty - Years Renewal With Company | Farmers Mutual Ins Co of NE | $1,550 | 7.61% | $118 |
| Loyalty - Years Renewal With Company | Iowa Farm bureau | $2,184 | 9.99% | $218 |
| Loyalty - Years Renewal With Company | Progressive | $3,381 | 2.90% | $98 |
| Loyalty - Years Renewal With Company | Shelter Insurance | $2,253 | 5.22% | $117 |
| Loyalty - Years Renewal With Company | State Farm | $2,016 | 15.42% | $311 |
| Marital Status | Allstate | $2,659 | 3.09% | $82 |
| Marital Status | Farmers Mutual Ins Co of NE | $1,550 | 3.28% | $51 |
| Marital Status | GEICO | $1,758 | 1.22% | $22 |
| Marital Status | Iowa Farm bureau | $2,184 | 6.16% | $134 |
| Marital Status | Nationwide | $1,369 | 8.30% | $114 |
| Marital Status | Progressive | $3,381 | 18.24% | $616 |
| Multi Policy | Allstate | $2,659 | 6.52% | $173 |
| Multi Policy | Auto-Owners | $1,714 | 7.80% | $134 |
| Multi Policy | Farmers | $2,390 | 10.03% | $240 |
| Multi Policy | Farmers Mutual Ins Co of NE | $1,550 | 9.90% | $153 |
| Multi Policy | GEICO | $1,758 | 4.30% | $76 |
| Multi Policy | Iowa Farm bureau | $2,184 | 6.38% | $139 |
| Multi Policy | Nationwide | $1,369 | 4.68% | $64 |
| Multi Policy | Progressive | $3,381 | 6.59% | $223 |
| Multi Policy | Shelter Insurance | $2,253 | 4.87% | $110 |
| Multi Policy | State Farm | $2,016 | 9.66% | $195 |
| Paperless/Electornic Documents | Allstate | $2,659 | 4.16% | $110 |
| Paperless/Electornic Documents | Nationwide | $1,369 | 4.12% | $57 |
| Paperless/Electornic Documents | Progressive | $3,381 | 0.99% | $34 |
| Payment Type | Allstate | $2,659 | 8.16% | $218 |
| Payment Type | Auto-Owners | $1,714 | 12.00% | $206 |
| Payment Type | Farmers | $2,390 | 4.97% | $119 |
| Payment Type | Iowa Farm bureau | $2,184 | 9.99% | $218 |
| Payment Type | Shelter Insurance | $2,253 | 12.00% | $270 |
| Primary Use | Allstate | $2,659 | 5.99% | $159 |
| Primary Use | Auto-Owners | $1,714 | 17.15% | $294 |
| Primary Use | Farmers Mutual Ins Co of NE | $1,421 | 5.70% | $81 |
| Primary Use | GEICO | $1,758 | 5.59% | $99 |
| Primary Use | Iowa Farm bureau | $2,184 | 14.68% | $321 |
| Primary Use | Nationwide | $1,369 | 8.25% | $113 |
| Primary Use | Progressive | $3,381 | 1.82% | $62 |
| Primary Use | Shelter Insurance | $2,253 | 24.32% | $548 |
| Primary Use | State Farm | $2,016 | 11.25% | $227 |
| Profession | GEICO | $1,758 | 4.90% | $86 |
| Profession | Progressive | $3,381 | 16.65% | $563 |
| Safety Devices | Allstate | $2,659 | 5.99% | $159 |
| Safety Devices | Auto-Owners | $1,714 | 2.75% | $47 |
| Safety Devices | GEICO | $1,758 | 2.45% | $43 |
| Safety Devices | Progressive | $3,381 | 2.97% | $100 |
| Telematics | Progressive | $3,381 | 9.95% | $337 |
| Years Insured | Allstate | $4,158 | 30.85% | $1,281 |
| Years Insured | Auto-Owners | $2,052 | 16.48% | $338 |
| Years Insured | Farmers | $3,340 | 13.88% | $463 |
| Years Insured | Iowa Farm bureau | $3,714 | 39.15% | $1,454 |
| Years Insured | Nationwide | $1,677 | 8.22% | $138 |
| Years Insured | Progressive | $3,894 | 7.85% | $306 |
| Years Insured | Shelter Insurance | $3,284 | 31.39% | $1,031 |
| Years Licensed | Farmers | $5,283 | 36.79% | $1,943 |
| Years Licensed | GEICO | $3,507 | 40.19% | $1,410 |
| Years Licensed | Iowa Farm bureau | $4,911 | 22.28% | $1,094 |
| Years Licensed | Nationwide | $2,106 | 20.36% | $429 |
| Years Licensed | Progressive | $5,245 | 23.08% | $1,211 |
| Years Licensed | State Farm | $2,537 | 17.94% | $455 |
How to get cheap car insurance in Omaha in 2025
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 offered. 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
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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