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Best cheap car insurance in Omaha for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Omaha
Bankrate reviewed average rates from Quadrant Information Services to find some of the most affordable average car insurance rates in Omaha. In addition to average pricing data, we also assigned each company a Bankrate Score based on a wide range of factors, including coverage options, discount availability, and third-party ratings for financial strength and customer satisfaction. Using these metrics, we gave a score to each company out of a possible five points.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Auto-Owners made our list: Auto-Owners is a regional carrier known for its affordable rates and great discounts. Policyholders may be able to build a more robust policy with endorsements for roadside assistance, gap insurance and additional expenses coverage. However, Auto-Owners is only available in 26 states, which may be a concern for drivers who move frequently.
Why Auto-Owners may be the best for affordable rates: Auto-Owners offers a lot of ways to lower your annual premium. Omaha drivers may be able to take advantage of discounts for bundling, paying their premium in full, enrolling in paperless billing and being a good student. Drivers with a good driving record will score the best rates.
| Bankrate Score | 4.3 |
| J.D. Power | 663/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: USAA receives consistently high scores for customer satisfaction from J.D. Power. In addition to low average rates, USAA policyholders may save even more on their premium with potential discounts for garaging a vehicle on base, low mileage and having family members who are insured with USAA.
Why USAA may be best for military-focused coverage: USAA only sells insurance policies to active duty and retired military personnel and their eligible family members. The low rates and discounts can be passed onto future generations, even if they didn’t serve. Although USAA does not offer as many endorsements as some competitors, it does offer roadside assistance and rental car reimbursement coverage.
| Bankrate Score | 4.2 |
| J.D. Power | 759/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Not available
Avg. full coverage premium
Full coverage
Not available
Why Nationwide made our list: Nationwide also has some of the lowest rates available in Omaha, along with a lot of chances to personalize your policy. Plus, Nationwide offers a pay-per-mile program in select areas called SmartMiles, which bases your monthly rate on how many miles you drive each month. Nationwide scored below average in the J.D. Power Auto Insurance Study in the Central region, so potential customers may want to speak with existing policyholders about their experience.
Why Nationwide may be best for robust policy options: Shoppers may like having Nationwide as their auto insurance carrier if they value unique endorsement options. Drivers in Omaha are often able to build a more robust policy by adding on features like accident forgiveness, classic car insurance and vanishing deductibles.
| Bankrate Score | 4 |
| J.D. Power | 628/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Farmers made our list: Based on average rates, Farmers tends to be one of the more expensive options on our list for cheap car insurance in Omaha, but its premiums are still below the city average. Farmers may be a good choice for drivers who value policy customization and unique discounts over customer service or digital tools.
Why Farmers may be best for overall endorsements: Endorsements may be available for new car replacement, accident forgiveness, customized equipment coverage and more. Additionally, policyholders may save with potential discounts for shared family vehicles, distant students and on-time payments.
| Bankrate Score | 3.8 |
| J.D. Power | 622/1,000 |
| AM Best Rating | A |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: State Farm is one of the largest car insurance providers in the country by market share. Although State Farm’s average rates are some of the highest on our list, the carrier offers a variety of discounts, including two app-based telematics programs, Steer Clear for drivers under 25 and Drive Safe & Save for drivers over 25. In addition, State Farm sells roadside assistance, rideshare insurance and rental car reimbursement for Omaha drivers looking for more robust coverage. However, gap insurance is not available from State Farm, which may be a drawback for drivers who lease or finance their vehicles.
Why State Farm may be best for local agents: State farm has more than 40 agents in the Omaha area, making it easy to touch base face-to-face with an agent. You can ask questions about the many available State Farm discounts and endorsements and have a local point of contact to reach out to with issues in the future.
| Bankrate Score | 4.3 |
| J.D. Power | 647/1,000 |
| AM Best Rating | A++ |
Bankrate's trusted insurance industry expertise
Read our full methodologyOur insurance editorial team assessed rate data, coverage options, customer satisfaction scores from J.D. Power, discounts and other factors to assign each carrier a Bankrate Score. These Scores are based on a five-point scale and provide a holistic snapshot of how an insurance provider might appeal to a car insurance shopper. Our analysis used data from Quadrant Information Services that assesses rates down to the ZIP code to find the cheapest average rates in Omaha.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Omaha
Omaha rates tend to be lower than the national average, but are still generally more expensive than rates in less populated areas of the state. In fact, Omaha tends to have some of the highest average rates in Nebraska. You may be able to find cheaper rates with discounts or by adjusting your level of coverage. The following companies represent the best chance at getting the cheapest car insurance in Omaha.
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|
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|
|---|---|---|
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$519
|
$1,570
|
|
|
$439
|
$1,756
|
|
|
$441
|
$1,818
|
|
|
$665
|
$2,388
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|
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North Star Mutual
|
$467
|
$2,538
|
How much is car insurance in Omaha, Nebraska?
The average cost of car insurance in Omaha is 4 percent more more than the Nebraska state average for full coverage and 68 percent less for minimum coverage. Your rates may depend on age, gender, the vehicle you drive, your driving record and the ZIP code where you park your car at night.
Omaha rates for teens
Teenagers have less experience on the road and are more likely to get into serious accidents. Until they’ve proven a safe driving record, they can expect a higher than average premium. In fact, many drivers have a higher rate until their mid-20s, even with no tickets or accidents. The following rates are based on teens who are on a parent’s policy.
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|---|---|---|
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North Star Mutual
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$833
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$833
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$1,126
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$925
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|
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$1,280
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$852
|
|
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$1,561
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$1,316
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|
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$1,693
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$1,385
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|
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|---|---|---|
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$3,486
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$3,011
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North Star Mutual
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$4,133
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$4,133
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$4,249
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$3,078
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|
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$4,636
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$3,050
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|
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$4,814
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$4,186
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Omaha rates for young drivers
Even after their teen years, young drivers can see quite high rates for both full and minimum coverage. These rates may drop dramatically after the age of 25, depending on factors like previous claim history and miles driven. The following rate averages are based on young drivers who have their own policy.
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|---|---|---|
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North Star Mutual
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$1,002
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$467
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$1,013
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$596
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$1,121
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$600
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|
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$1,260
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$778
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|
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$1,396
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$769
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|
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|---|---|---|
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$3,529
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$2,246
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$3,840
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$2,429
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$4,537
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$2,397
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|
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$4,819
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$2,855
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|
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North Star Mutual
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$5,032
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$2,538
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Omaha rates for adults
Adults between the ages of 30 and 50 with good credit and a good driving record may enjoy some of the lowest auto insurance rates. Keep in mind that infractions or buying a new car may increase your rates for several years.
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|---|---|---|---|
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North Star Mutual
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$467
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$467
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$410
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|
$491
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$441
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$408
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|
|
$501
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$439
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$411
|
|
|
$516
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$519
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$491
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|
|
$659
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$665
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$650
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|
|
|
|
|
|---|---|---|---|
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$1,611
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$1,570
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$1,418
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|
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$1,993
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$1,756
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$1,602
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|
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$2,127
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$1,818
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$1,542
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|
|
$2,458
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$2,388
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$2,272
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|
|
North Star Mutual
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$2,538
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$2,538
|
$2,057
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Omaha rates for senior drivers
Older drivers may see a rate increase due to an increased likelihood of claims. If you’re retired, you may be able to keep rates in check by letting your insurer know that you’re driving fewer miles than you used to.
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|---|---|---|
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$402
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$437
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|
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North Star Mutual
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$410
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$410
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|
$419
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$505
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|
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$484
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$605
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|
|
$628
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$665
|
|
|
|
|
|---|---|---|
|
$484
|
$1,652
|
|
|
$402
|
$1,542
|
|
|
$419
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$1,741
|
|
|
$628
|
$2,247
|
|
|
North Star Mutual
|
$410
|
$2,208
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance in Omaha by driving record
In addition to your demographic and vehicle information, your driving record will affect how much even the cheapest car insurance companies in Omaha charge you to insure your vehicle. Major incidents like an accident or DUI are almost certain to increase your rates in the short term. You can maintain the cheapest rates by staying in between the lines, so to speak.
Car insurance with a speeding ticket in Omaha
Drivers with a speeding ticket in Omaha can increase your rate from $2,418 to $2,862, on average, for full coverage. This means that drivers with a single speeding ticket in Omaha typically pay 63 percent less for full coverage.
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|---|---|---|
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North Star Mutual
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$539
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$2,940
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$541
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$2,157
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|
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$589
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$2,542
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$658
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$2,097
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|
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$769
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$2,717
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Car insurance after an accident in Omaha
Nebraska is an at-fault state, which means that the driver who is deemed responsible for the incident is responsible for paying the damages. Drivers with an at-fault accident may see their rate increase from $2,418 to $2,862, on average, for full coverage. In other words, drivers with an at-fault accident on their record in Omaha typically pay 56 percent more for full coverage.
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|---|---|---|
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$640
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$2,454
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|
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$711
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$2,918
|
|
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$760
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$2,387
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|
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North Star Mutual
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$815
|
$4,516
|
|
$859
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$2,965
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Car insurance after a DUI in Omaha
Getting a DUI in Omaha may increase your rate from about $2,418 to $4,619 on average. This means that drivers with a DUI in Omaha can expect to pay about 91 percent more for full coverage. In addition, Most drivers in Nebraska who find themselves in this situation require SR-22 insurance to get their license reinstated.
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|---|---|---|
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$524
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$2,196
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|
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$1,010
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$4,056
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|
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$1,123
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$4,098
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|
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$1,124
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$3,185
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|
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North Star Mutual
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$1,420
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$7,983
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Minimum coverage requiremets in Omaha
Drivers in Omaha are required to carry at least 25/50/25 personal liability and uninsured/underinsured motorist insurance. However, most insurance experts recommend carrying higher liability limits and/or additional coverage types, like full coverage, if you can afford to do so. Full coverage includes comprehensive and collision insurance, which may pay for damages to your vehicle in the event of an accident or other covered incident.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.