Best Cheap Auto Insurance in Omaha, NE (2021)

The average Omaha, NE auto insurance rates are $317 per month. The minimum auto insurance in Omaha is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Omaha, Nebraska, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The minimum auto insurance required in Omaha, Nebraska is 25/50/25
  • Average auto insurance rates in Omaha, NE for senior drivers are $2,093 per year
  • The most expensive auto insurance company in Omaha for teen drivers is Liberty Mutual

Omaha, Nebraska auto insurance requirements are 25/50/25 according to Nebraska auto insurance laws. Finding cheap auto insurance in Omaha can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Omaha, Nebraska, including driving record, credit, commute time, and more.

Compare auto insurance in Omaha to other Nebraska cities, including Columbus auto insurance rates, Hastings auto insurance rates, and Lincoln auto insurance rates to see how Omaha, Nebraska auto insurance rates stack up.

Before you buy Omaha, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Omaha, Nebraska auto insurance quotes.

Minimum Auto Insurance in Omaha, Nebraska

Omaha, Nebraska auto insurance laws require that you have at least the Nebraska minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Omaha, Nebraska.

Minimum Required Auto Insurance Coverage in Omaha, Nebraska

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Omaha, Nebraska Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Omaha, Nebraska are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Omaha, Nebraska

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,316 $2,183 $2,088 $2,104 $7,086 $7,480 $2,545 $2,571
American Family $1,888 $1,888 $1,734 $1,734 $3,302 $5,028 $1,848 $2,023
Farmers $2,597 $2,577 $2,314 $2,454 $10,737 $11,088 $2,942 $3,051
GEICO $2,685 $2,628 $2,641 $2,542 $5,977 $7,757 $2,433 $2,336
Liberty Mutual $3,576 $3,873 $2,827 $3,453 $16,401 $18,443 $3,715 $4,094
Nationwide $2,291 $2,350 $2,056 $2,190 $5,719 $7,072 $2,692 $2,908
Progressive $2,204 $2,094 $1,819 $1,896 $9,161 $10,293 $2,630 $2,817
State Farm $1,801 $1,801 $1,620 $1,620 $5,433 $6,859 $2,005 $2,265
USAA $1,382 $1,367 $1,282 $1,295 $4,645 $5,489 $1,764 $1,944

Cheap Omaha, Nebraska Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Omaha, Nebraska is a challenge. Take a look at the annual teen auto insurance rates in Omaha, Nebraska.

Annual Auto Insurance Rates for Teen Drivers in Omaha, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,086 $7,480
American Family $3,302 $5,028
Farmers $10,737 $11,088
GEICO $5,977 $7,757
Liberty Mutual $16,401 $18,443
Nationwide $5,719 $7,072
Progressive $9,161 $10,293
State Farm $5,433 $6,859
USAA $4,645 $5,489

Cheap Omaha, Nebraska Auto Insurance for Seniors

What are senior auto insurance rates in Omaha, Nebraska? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Omaha, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,088 $2,104
American Family $1,734 $1,734
Farmers $2,314 $2,454
GEICO $2,641 $2,542
Liberty Mutual $2,827 $3,453
Nationwide $2,056 $2,190
Progressive $1,819 $1,896
State Farm $1,620 $1,620
USAA $1,282 $1,295

Cheap Omaha, Nebraska Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Omaha, Nebraska compared to the annual auto insurance rates with a clean record in Omaha, Nebraska.

Annual Omaha, Nebraska Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,029 $3,460 $4,265 $3,433
American Family $2,385 $2,569 $2,385 $2,385
Farmers $3,985 $5,140 $5,012 $4,743
GEICO $2,366 $3,358 $4,997 $3,779
Liberty Mutual $6,023 $7,149 $7,712 $7,308
Nationwide $2,439 $3,501 $4,946 $2,752
Progressive $3,481 $5,183 $3,903 $3,892
State Farm $2,677 $3,174 $2,925 $2,925
USAA $1,806 $2,300 $3,429 $2,049

Cheap Omaha, Nebraska Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Omaha, Nebraska is not easy. Compare the annual rates for DUI auto insurance in Omaha, Nebraska to find the best deal.

Annual Auto Insurance Rates After a DUI in Omaha, Nebraska

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,265
American Family $2,385
Farmers $5,012
GEICO $4,997
Liberty Mutual $7,712
Nationwide $4,946
Progressive $3,903
State Farm $2,925
USAA $3,429

Cheap Omaha, Nebraska Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Omaha, Nebraska annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Omaha, Nebraska

Insurance Company Poor Fair Good
Allstate $4,402 $3,356 $2,882
American Family $3,281 $2,209 $1,802
Farmers $5,375 $4,503 $4,283
GEICO $4,135 $3,600 $3,139
Liberty Mutual $10,132 $6,172 $4,839
Nationwide $4,080 $3,281 $2,868
Progressive $4,669 $3,979 $3,695
State Farm $4,253 $2,547 $1,976
USAA $3,167 $2,169 $1,852

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Cheap Omaha, Nebraska Auto Insurance Rates By Commute

Commute length and annual mileage affect Omaha, Nebraska auto insurance. Find the cheapest annual Omaha, Nebraska auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Omaha, Nebraska

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,547 $3,547
American Family $2,411 $2,450
Farmers $4,720 $4,720
GEICO $3,570 $3,680
Liberty Mutual $7,048 $7,048
Nationwide $3,410 $3,410
Progressive $4,114 $4,114
State Farm $2,850 $3,001
USAA $2,369 $2,423

Cheap Omaha, Nebraska Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Omaha, Nebraska? Check out the comparison of annual Omaha, Nebraska auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Omaha, Nebraska

Insurance Company Low Medium High
Allstate $3,427 $3,539 $3,674
American Family $2,388 $2,503 $2,401
Farmers $4,488 $4,639 $5,034
GEICO $3,511 $3,621 $3,743
Liberty Mutual $6,804 $7,001 $7,338
Nationwide $3,418 $3,406 $3,405
Progressive $3,887 $4,104 $4,353
State Farm $2,774 $2,922 $3,081
USAA $2,301 $2,393 $2,494

Best By Category: Cheapest Auto Insurance in Omaha, Nebraska

Compare the cheapest auto insurance companies in Omaha, Nebraska in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Omaha, Nebraska

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

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The Cheapest Omaha, Nebraska Auto Insurance Companies

What auto insurance companies in Omaha, Nebraska are the cheapest? Compare the top Omaha, Nebraska auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Omaha, Nebraska

Insurance Company Average Annual Rates
Allstate $3,547
American Family $2,431
Farmers $4,720
GEICO $3,625
Liberty Mutual $7,048
Nationwide $3,410
Progressive $4,114
State Farm $2,925
USAA $2,396

What affects auto insurance rates in Omaha, Nebraska?

There are a lot of reasons why auto insurance rates in Omaha, Nebraska are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Omaha, Nebraska. Many local factors may affect your Omaha auto insurance rates.

Omaha Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Omaha, Nebraska commute length is 19.2 minutes according to City-Data.

Omaha Traffic

How does Omaha, Nebraska rank for traffic? According to Inrix Omaha, Nebraska is the 824th most congested worldwide.

Compare Omaha, Nebraska Auto Insurance Quotes

Before you buy Omaha, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Omaha, Nebraska auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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