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Are you looking for cheap auto insurance in Omaha, NE? From AutoInsuranceEZ.com, you’ll find the cheapest insurance rates close to you. To find free car insurance estimates offered by the best providers right away, provide your local zip code into the quote box on this site.

Omaha is the central location for Douglas County and also the largest city in the state of Nebraska. In its early days, the city flourished thanks to a vibrant economy built on the railroad and meat-packing industries. Today, however, the economy continues to thrive with the changing times. Forbes placed Omaha in the top 15 “Best Cities for Business and Careers” back in 2004 based on its successful insurance and telecommunication industries, affordable housing, and excellent public schools.

  • Want to know a fun fact? Omaha is #44 on the list of “Top 100 biggest cities”! Learn more info about Omaha here.

Auto Insurance Coverage Requirements in Nebraska

Driving legally in Omaha requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Like many other states, all you need to drive legally in Nebraska is some modest Liability coverage. But this type of insurance only pays out if the damage or accident in question was deemed your fault. And if the total costs are more than the coverage you’ve purchased, then you’ll be responsible for the difference.

It costs most Nebraska drivers around $110 each month to maintain insurance on their vehicle. However, Omaha drivers can get covered right now for as little as $41/mo*! Keep reading, and we’ll show you how to do it.

Average Monthly Auto Insurance Premiums Legend: Omaha Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 40 45 $32 $35 $35 $41 $49

 

Between Farmers, Liberty Mutual, and Allstate, it’s harder to find a lower monthly rate. But low rates aren’t everything. Quality customer service and easy claims filing are also part of the whole insurance company package.

Auto insurance providers consider various factors when establishing quotes, such as driving experience, accident claims, type of vehicle owned, years of driving experience, and theft protection devices. Also keep in mind that premiums differ from carrier to carrier. To find out if you’re still paying the best rate, evaluate Nebraska insurance quotes over the internet.

Major Car Insurance Factors in Omaha

There are lots of ways in which your car insurance rate might be calculated. But not all of it is out of your control; there are steps you can take in order to control which discounts you are entitled to acquire. Listed here are a few of these elements in greater detail:

  • Your Zip Code

Your auto insurance rates can vary based on the spot where you live. Usually, large cities have increased car insurance rates as the additional amount of car owners on the streets increases the probability of a car accident! There are 434,353 people in Omaha, plus the average household earnings are $47,512.

Auto Insurance by Zip Code Legend: Omaha Bellevue Kearney Lincoln Grand Island Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 40 45 $32 $28 $21 $26 $21 $35 $32 $23 $31 $25 $35 $29 $21 $29 $21 $41 $30 $20 $32 $21 $49 $39 $25 $35 $26

 

  • Automotive Accidents

Take a look at the accident statistics in the chart below. Those numbers may seem daunting, but for a city with over 400,000 people, those numbers could be higher. When accident rates become too high in certain areas, your provider is more likely to raise rates. Contact your agent to see if you can lower your premium with any available Safe Driver discounts.

Fatal Accidents in Omaha, NE Legend: Omaha Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 45 21 31 9 23 47 6

 

  • Auto Thefts in Omaha

Omaha has a serious auto theft problem – and the bad news is that it’s only getting worse. In 2013 there were 3,080 vehicles stolen, which is a significant jump in recent years. But did you know that Comprehensive coverage is the only type of automotive coverage which pays out on theft claims? If you drive a car that is likely to get stolen, make sure you protect yourself with a robust auto policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Liberty Mutual Allstate Farmers State Farm Nationwide 15 30 45 60 75 90 105 120 135 150 $32 $152 $35 $107 $35 $95 $41 $98 $49 $95

 

  • Your Credit Score

It may surprise you to learn that your credit score plays a major role in determining your monthly insurance rates. This is especially true if you have a poor score. Some companies will charge you twice as much or more as a driver with perfect credit. Other companies, such as Allstate, are a little more forgiving.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 $27 $53 $30 $42 $28 $74 $33 $77 $44 $67

 

  • Your Age

The elevated rates for young drivers can seem staggering. In the chart below, for example, Farmers would charge a teenage driver ten times as much as an adult with more driving experience. However, many providers will offer savings for good students and young people who take driving courses. Ask your local agent for more info.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Liberty Mutual Allstate Farmers State Farm Nationwide 35 70 105 140 175 210 245 280 315 $32 $139 $35 $95 $35 $346 $41 $186 $49 $198

 

  • Your Driving Record

If you have serious driving offenses on your record, you run the risk of paying much higher monthly premiums – or losing your coverage entirely. But some providers these days are offering savings in the form of “Accident Forgiveness” discounts.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Allstate Farmers State Farm Nationwide 15 30 45 60 75 90 105 120 $32 $42 Do Not Sell $48 $35 $37 $43 $42 $35 $42 $50 $51 $41 $45 $45 $49 $49 $50 $132 $56

 

  • Your Vehicle

If you want to drive an expensive vehicle, you’ll have to spend a significant chunk of money to keep it insured. If something happens to your vehicle and you haven’t purchased enough coverage to cover the costs, then you’ll likely be paying that difference.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Allstate Farmers State Farm Nationwide 15 30 45 60 75 90 105 120 135 150 $32 $163 $35 $153 $35 $106 $41 $120 $49 $92

 

Minor Car Insurance Factors in Omaha

But if you can’t change any of the major factors above, you might consider the following:

  • Your Marital Status

Would you like access to some significant discounts? Well, then you should probably get married. When married couples bundle together under the same company, they often get rewarded with great savings. But if you’re single, you can still bundle multiple policies together and save too – if your provider offers multiple coverages, that is.

  • Your Gender

No matter what you might think, most insurance companies don’t see a statistically significant difference in accidents between males and females. Based on this information, many providers have stopped charging different rates based on gender.

  • Your Driving Distance to Work

Omaha commute times generally range between 14-17 minutes each way. The vast majority of drivers, around 80%, will likely drive their own car by themselves in order to get to and from work, while somewhere between 8-11% of residents will probably carpool.

Bending over backwards to reduce your yearly mileage won’t yield the discounts that most people think it will. At best, you might lower your premium by 4-6%, and that’s for a drastic cut of 5,000 or more. And try to keep your vehicle for personal use only, because business vehicles will cost 10% more to cover.

  • Your Coverage and Deductibles

Changing your deductible is one of the most flexible ways to alter your monthly payment. Raising it will lower your premium, but doing so also runs the risk that you will have to pay a huge amount of money if the worst happens to your vehicle.

  • Education in Omaha, NE

In Omaha, 27% of motorists have earned their high school diploma, while an additional 19% have gone on to complete a bachelor’s degree. But these highly-educated students have more to look forward to than a promising career, or a better salary; they will also see lower prices on their car insurance bill.

If you want to further your education in Omaha, there are several institutions of higher learning to choose from. The University of Nebraska at Omaha is a large, public university offering bachelor’s and master’s degrees to more than 14,000 students each year. If you are looking for a private school, consider Creighton University which offers degrees in many subjects, including law, nursing, and business. There is also the Metropolitan Community College for associates degrees and technical training.

Establishing your individual financial risk can be very hard or impossible for the standard insurance consumer. Insurance providers possess an advantage over shoppers because of their data and experiential know-how. Uncover that which insurance agencies don’t want most people to be aware of.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Nebraska Department of Insurance

Nebraska Department of Banking and Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

You’ll be able to calculate YOUR quotes merely by keying in your zip code into the calculator below.

FIND THE CHEAPEST INSURANCE QUOTES IN YOUR AREA
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