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Omaha Car Insurance

How much does car insurance cost in Omaha, NE? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Omaha?

Omaha, Nebraska is situated along the Missouri River, close to the Iowa border. Omaha is also a stop on the Lewis and Clark National Historic Trail. At the Pioneer Courage Park, you'll find a 40-foot bronze stainless steel sculpture dedicated to the pioneers. You'll also find several museums in Omaha, including the Joslyn Art Museum, the Omaha Children's Museum, the Union Pacific Railroad Museum and the Durham Museum, which shows its exhibitions in a 1931 train station.

If you have a green thumb, you are bound to enjoy Lauritzen Gardens and arboretum. Love exotic animals? The Henry Doorly Zoo and Aquarium features an indoor jungle and rainforest and desert habitats. At the Heartland of America Park, you can watch the fountains and take boat rides. And if you want to really cut loose on the water, there is the Fun-Plex Waterpark and Rides.

You can use busses to get around Omaha but it is nicer to drive. How much are you paying for car insurance? Would you like to pay less? Shopping around to different insurance companies is the way to go. But doing it all on your own can be time-consuming. With the help of SmartFinancial, you'll be able to compare car insurance prices for 200 insurance companies in minutes. All you need to do is fill out a single form and you'll get car insurance quotes sent your way.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Nebraska has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Omaha typically pay around $105.79 per month compared to the national average of $134.04 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.04
Nebraska $96.05
Omaha, Nebraska $105.79

Omaha, NE Best Car Insurance Companies

car insurance in Omaha

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, American National P&C generally has the most affordable car insurance in Omaha coming in around $50.94 per month. Other companies to consider if you live in Omaha is American National P with an average cost of $52.54 per month and USAA which typically runs around $88.98 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Omaha.

RankCompanyAverage Monthly RateComparison State Average
1 American National P&C $50.94-46.96%
2 American National P $52.54-45.29%
3 USAA $88.98-7.36%
4 EMC Insurance $98.012.04%
5 Farm Bureau Mutual (IA Group) $101.846.03%
6 State Farm $108.6813.16%
7 Auto-Owners Insurance Co $109.6514.16%
8 Farmers Mutual of Nebraska $111.7016.30%
9 Allied $120.8125.78%
10 IMT Insurance Company $126.3531.55%

How Much is Car Insurance in Omaha, NE?

how much is auto insurance in Omaha

Rates can vary from city to city. The residents of Bellevue typically pay $100.47 per month while people who live in Grand Island will pay $70.86 per month on average. See what people pay for car insurance in other cities in Nebraska.

Nebraska CitiesMonthly Average Rate
Bellevue $100.47
Grand Island $70.86
Kearney$92.00
Lincoln $94.92
Omaha $105.86

Cheap Car Insurance in Omaha by Zip Codes

find cheap auto insurance in Omaha

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Nebraska. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Omaha, NE ZIP CodeAverage Monthly Rate
68102$125.78
68103$57.23
68104$107.87
68105$91.49
68106$85.22
68107$98.11
68108$137.60
68110$120.58
68111$115.88
68112$128.92
68114$98.35
68116$107.11
68117$88.73
68118$99.20
68122$133.41
68124$99.94
68127$115.51
68130$148.35
68131$123.40
68132$77.79
68134$111.99
68135$125.60
68136$128.07
68137$78.33
68138$105.10
68142$63.92
68144$86.14
68152$83.18
68154$88.11
68157$68.35
68164$98.77
68178$75.41
68182$230.60

Car Insurance Rates by Driver's Age Group in Omaha

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $220.27 per month in Omaha. Compare that to drivers in their 30’s who typically pay around $95.49 per month drivers in their 40s at $76.25 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$220.27
20s$147.59
30s$95.49
40s$76.25
50s$64.74
60s$67.57
70+$90.00

Cheapest Insurance for Teenage Drivers in Omaha

If you are teen in Omaha you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, American National P&C typically charges around $100.79 per month. This is likely the most affordable option in Omaha. You might also want to consider American National P and EMC Insurance who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
American National P&C$100.79
American National P$119.92
EMC Insurance$166.84
Farm Bureau Mutual (IA Group)$170.73
IMT Insurance Company$191.64

Cheapest Insurance for 20 Year-olds in Omaha

20 year-olds in Omaha might want to consider American National P who, on average, offers car insurance rates around $54.06 per month. American National P&C , USAA , Farm Bureau Mutual (IA Group) and EMC Insurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
American National P$54.06
American National P&C$73.04
USAA$125.49
Farm Bureau Mutual (IA Group)$136.26
EMC Insurance$140.06

Cheapest Insurance for 30 Year-olds in Omaha

If you are in your 30s in Omaha our research has found that American National P&C typically has the most affordable coverage coming in around $45.91 per month, followed by American National P at $53.31 and USAA at $78.57.

CompanyAverage Monthly Rate
American National P&C$45.91
American National P$53.31
USAA$78.57
Farm Bureau Mutual (IA Group)$92.90
State Farm$94.56

Cheapest Insurance for 40 Year-olds in Omaha

On average, American National P&C offers car insurance for 40 year-olds in Omaha for around $39.59 per month. If you are looking for affordable coverage, you may also want to consider American National P or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
American National P&C$39.59
American National P$44.56
USAA$68.87
EMC Insurance$75.14
Auto-Owners Insurance Co$81.17

Cheapest Insurance for 50 Year-olds in Omaha

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Omaha we found that American National P generally offers the most affordable coverage at $34.10 per month.

CompanyAverage Monthly Rate
American National P$34.10
American National P&C$37.99
USAA$63.82
EMC Insurance$64.84
Auto-Owners Insurance Co$70.13

Cheapest Insurance for 60 Year-olds in Omaha

If you live in Omaha and you’re in your 60s, our data indicates that American National P&C usually has the best rates at $35.97 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
American National P&C$35.97
American National P$49.67
EMC Insurance$59.81
USAA$60.00
Auto-Owners Insurance Co$74.65

Driver's Coverage Auto Insurance Rates in Omaha, NE

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Omaha, the average monthly rate for a driver who is currently insured is $87.47 while drivers who are not currently covered will pay around $125.36.

CoverageAverage Monthly Rate
Not Currently Insured $125.36
Currently Insured $87.47

Compare Recent Car Insurance Quotes in Omaha

auto insurance quotes in Omaha city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Omaha a driver of a 2011 Ford Fusion can expect to pay around $75.15 per month while someone that owns a 2000 Lexus ES may pay around $136.58 per month. Check out the list of recent quotes in Omaha below.

VehicleAverage Monthly Rate
2011 Ford Fusion$75.15
2000 Lexus ES$136.58
2000 Lexus ES$112.33
2000 Lexus ES$95.27
2000 Lexus ES$97.66
2013 Toyota Rav4$51.97
1998 Dodge Dakota$53.05
1998 Dodge Dakota$45.07
1998 Dodge Dakota$35.17
1998 Dodge Dakota$35.17

FAQ's for Drivers in Omaha, NE

driver’s frequently asked question in Omaha

Omaha Auto Insurance Requirements

You are required to have auto liability insurance coverage in Omaha.

What is the Minimum Amount of Liability Coverage Requirement in Omaha?

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage

What Is the Blood Alcohol Concentration (BAC) Limit in Omaha?

The legal blood alcohol content (BAC) level limit is .08% in the state of Nebraska. This legal limit is the same in every state. If you have a .08% BAC level or higher and are caught driving a vehicle, you could be convicted of a DUI. In Nebraska, you could face up to 60 days in jail and a $500 fine. Having a DUI conviction on your record will cause your auto insurance rates to go up. How much your auto insurance rates increase depends on the insurance company. Some companies raise rates higher than others for DUI convictions. SmartFinancial can help you find insurance companies with lower rates for drivers with DUIs on their records

Can I Register My Car Without Insurance in Omaha?

You'll need valid liability insurance coverage when you go to register a car in Omaha. Your registration and insurance must be up-to-date. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Nebraska Department of Insurance and certified by the Nebraska State DMV. The insurance for your car must be issued in the name of the vehicle registrant. So if you are the one registering the car, you also must be the insurance policyholder.

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Commute Time in Omaha, NE

18.7 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Omaha, NE

263

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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