Car insurance in Omaha: Cheapest insurance and average rates

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Car insurance in Omaha costs $1,944 per year for full coverage – $162 monthly. In 2024, USAA offers the cheapest car insurance policy at $108 per month.

Omaha is home to nearly a half-million residents. If you are moving to Omaha — or already live there — it is important to find the right car insurance policy. Fortunately, there are ways to get cheap car insurance in Omaha that will provide the coverage you need. 

Learn more about what a typical policy costs in Omaha and what you need to know if you are new to the city. 

How to find the best car insurance in Omaha

With the right tools and a little work, you can find the best car insurance policy in Omaha that marries the coverage you need with a cost you can afford. 

Before shopping for car insurance, determine the type of policy you need, including the amount of coverage necessary to protect yourself. Make sure you get quotes from at least three companies comparing similar coverage limits and options and ask about any discounts you qualify for. It’s always best to buy as much coverage as you can afford.

Cheapest car insurance company in Omaha

USAA provides the cheapest car insurance in Omaha, according to recent data. It costs an average of $1,292 annually to purchase a full-coverage policy from the insurer. But remember that USAA is only available to military community members and their families. The next cheapest car insurance companies are Auto-Owners and Nationwide.

See other cheap car insurance rates in Omaha in the table below.

Average annual rates from insurers in Omaha

How much is car insurance in Omaha per month?

Omaha residents can expect to pay an average of $162 per month in full coverage car insurance cost, or $41 per month for the state minimum coverage.

Of course, some drivers pay less than this average, while others pay more. Factors that determine how much you pay for car insurance include the insurance company you choose and the amount of coverage you need. 

Other factors — including your age and gender, vehicle make/model and your history of accidents and violations — also influence car insurance costs.  

Monthly rates for car insurance in Omaha, Nebraska

How do rates in Omaha compare to other large cities in the U.S.?

The cost of coverage in Omaha is cheaper than what you would pay in other major cities. Omaha drivers pay more than other Nebraska drivers – the statewide rate is $1,902 annually, compared with Omaha’s $1,944.

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

Monthly full-coverage car insurance costs in major U.S. metropolitan areas

Here’s what you need to know when driving in Omaha

Traffic isn’t too bad in Omaha, especially compared to many other metros.

In 2022, drivers in Omaha lost an average of 14 hours in traffic, according to INRIX, which looks at traffic patterns. That makes Omaha the 108th most-congested city in the U.S. 

If you are driving in the Omaha area during rush hour, you can expect to spend an extra 12.7 minutes in traffic, according to the website CoPilot. That places Omaha at No. 55 among all cities in the nation when it comes to losing time due to rush hour. 

Other things to remember when driving around Omaha:

• Speed limits in Nebraska are typically 25 mph on residential roads, and 60 mph on urban freeways. 
• There are no toll roads in the Omaha area. That means you will not have to pay to navigate the city. 
• In Nebraska, the minimum legal driving age is 17. 

How much car insurance do I need in Omaha?

Nebraska law requires you to purchase a minimum amount of liability car insurance coverage. These amounts are: 

• $25,000 for bodily injury liability to one person in an accident.
• $50,000 for bodily injury liability to two or more people per accident.
• $25,000 for property damage liability per accident.

In addition, drivers must carry uninsured motorist coverage in the amount of $25,000 bodily injury per person and $50,000 bodily injury per accident. However, these minimum levels of coverage will not be adequate for most drivers. 

Many drivers will prefer to carry much higher levels of liability coverage so they are better protected financially. In addition, liability insurance does not cover you or your car. 

That means drivers also might be interested in going beyond the minimums and protecting their own vehicles by purchasing insurance beyond the minimum, such as comprehensive and collision coverage. 

If you are unsure of how much coverage you need, consult with an insurance agent who can help. 

Average cost of car insurance in Omaha

The average cost of full-coverage car insurance in Omaha is $1,944 annually. That compares to a statewide average of $1,902 and a nationwide average of $1,895. 

Annual average rates in Omaha for state minimum coverage and full coverage

How much does car insurance in Omaha cost with violations?

Moving violations on your driving record are likely to push your car insurance rates higher. 

“Speeding tickets for going over 15 mph above the speed limit, tickets for reckless driving, DUIs and at-fault accidents can all cause your rates to skyrocket,” says Alaina Hixson, a Nashville-based director of sales and operations at The Churchill Agency.

See rate increases in Omaha in the table below by violation.

Cheapest car insurance in Omaha by age

Your age will impact how much you pay for car insurance. The youngest drivers tend to pay the highest rates. The oldest drivers at age 70 or older also are likely to pay more. See how much you can expect to pay by age in the table below.

Annual rates for state minimum and full coverage car insurance in Omaha, by age

Compare auto insurance rates in Omaha by ZIP code 

Where you live also plays a role in how much you pay for car insurance. Here are the Omaha area ZIP codes with the cheapest and most expensive car insurance rates. See the tables below for the cheapest and most expensive ZIP codes for car insurance in Omaha. 

Cheapest annual car insurance rates in Omaha, by ZIP code 

Most expensive annual car insurance rates in Omaha, by ZIP code 

Our recommendations: Car insurance for drivers in Omaha

If low prices are your top focus when shopping for car insurance, USAA might be your best choice. It has the lowest average rates in our survey. 

However, it’s often a mistake to shop by price alone. It is crucial to make sure you have exactly the coverage you need, even if you have to pay a little more for it. 

Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. 

A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of Omaha.

What our expert says

Q:Will violations increase your car insurance rates?

Alaina HixsonNashville-based director of sales and operations at The Churchill Agency.

“Speeding tickets for going over 15 mph above the speed limit, tickets for reckless driving, DUIs and at-fault accidents can all cause your rates to skyrocket.”

Resources & Methodology

Methodology

In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.

Chris Kissell

Contributing Researcher

 

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Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.