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Get Cheap Car Insurance in Omaha, NE
We monitor insurance prices, helping the average driver in the Omaha area save up to 39.3% on car insurance.
The Cheapest Minimum Coverage in Omaha
The chart below shows the cheapest car insurance company in Omaha for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by American Family Insurance, State Farm, and Progressive.
| Omaha Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $36 |
| American Family Insurance | $41 |
| State Farm | $42 |
| Progressive | $50 |
Savings for Every Kind of Omaha Driver
Based on our extensive insurance data, we know the average Omaha driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $571 per year by choosing the right vehicle insurance company. Some Omaha residents are paying out over $1,454 extra every year for auto insurance in Omaha. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Omaha, NE Savings / Yr. |
|---|---|
$571 |
|
$429 |
|
$403 |
|
$313 |
|
$1,380 |
|
$165 |
|
$763 |
Omaha Car Insurance vs. Nebraska
People living in Omaha pay an average of 1.96% more than the typical driver in the state. The average driver in Omaha can expect to pay about $596 per year, or $1,454 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Omaha for most people.
Car Insurance Prices by Omaha Neighborhood
Insurance Prices
Where is insurance cheapest within Omaha?
The map shows insurance prices in and around Omaha, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $533 per year within the city boundaries, with insurance premiums ranging from a high of $1,870 to a low of $1,337. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Omaha.Pick the Best Car Insurance Company for You in Omaha
The best car insurance provider for most drivers in Omaha
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $571 over the average Omaha car insurance company.
The best car insurance provider for Omaha drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $429 over the competition.
The best car insurance company for Omaha drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $403 better than other car insurance companies.
The best auto insurance for Omaha drivers with a DUI conviction
Getting a quote from American Family Insurance may cost the average person with a DUI about $313 less each year.
The least expensive car insurance company for new and young drivers in Omaha
In Omaha, Farmers Mutual of Nebraska costs young drivers $1,380 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Omaha
Nationwide gave the largest car insurance discounts to married couples, averaging $165 saved each year compared to an average Omaha couple's premiums.
The cheapest car insurance in Omaha for drivers with bad credit
The best Omaha car insurance company for customer service
Recent price drops
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The cheapest large national provider in Omaha
For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Omaha driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Omaha, USAA has the best prices for good drivers, drivers with bad credit, drivers with speeding tickets, married couples, young drivers, drivers with a DUI conviction, and drivers with accidents.Auto Insurance Prices in and Around Omaha
What Influences the Cost of Car Insurance in Omaha?
On average, car insurance in Omaha is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in the Omaha area is 25 minutes, which is about the national average for a driver in the state.
- Nebraska state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Omaha area are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Omaha is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Omaha is $50 per month for minimum coverage and $121 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Boys Town: Insurance costs 0.21% more
- Ralston: Insurance costs 2.89% less
- La Vista: Insurance costs 3.65% less
- Chalco: Insurance costs 1.17% less
- Papillion: Insurance costs 3.99% less
- Carter Lake: Insurance costs 7.98% less
- Bennington: Insurance costs 3.03% less
- Elkhorn: Insurance costs 4.47% less
- Bellevue: Insurance costs 0.62% less
- Offutt AFB: Insurance costs 4.26% less
Cities with Similar Populations
- Macon: Insurance costs 28.68% more
- Lowell: Insurance costs 23.66% more
- Macomb: Insurance costs 114.79% more
- Lubbock: Insurance costs 19.05% more
- Los Angeles: Insurance costs 61.07% more
- Lucin: Insurance costs 6.26% less
- Longmont: Insurance costs 33.91% more
- Loveland: Insurance costs 23.45% more
- Longview: Insurance costs 14.58% more
- Lynn: Insurance costs 43.81% more