Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
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UPDATED: Oct 30, 2020

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Nebraska auto insurance requires a 25/50/25 minimum in liability coverage. Residents can get cheap car insurance in Omaha, NE which Liberty Mutual provides at $32 monthly. Other best Omaha, NE car insurance companies are Liberty Mutual, Allstate, Farmers, State Farm, and Nationwide, all of them providing competitive Omaha, NE auto insurance.

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”!

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 Omaha, NE auto insurance quotes offered by the best providers right away, provide your local ZIP code into the quote box on this site.

Omaha, NE Driving Facts

The auto insurance coverage requirements in Nebraska are:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability25,000100,000
Uninsured Motorist Bodily InjuryNot required100,000/300,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 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 the cheapest car insurance in Omaha, NE right now for as little as $41/mo*! Keep reading, and we’ll show you how to do it.

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

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Which company has the cheapest rates in Omaha, Nebraska?

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 Omaha, NE auto insurance rates aren’t everything. Quality customer service and easy claims filing are also part of the whole insurance company package. You can research a wide range of companies such as Progressive Omaha and more.

Omaha, NE auto insurance companies 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 affordable Omaha, NE auto insurance differs from carrier to carrier. To find out if you’re still paying the best rate, evaluate cheap insurance Omaha, NE over the internet.

Major Factors in Cheap Car Insurance in Omaha, Nebraska

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 so that you can get what is the best auto insurance coverage in Nebraska:

Average Cost of Auto Insurance by Neighborhood

Your affordable car insurance in Omaha, Nebraska 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 Omaha, Nebraska auto insurance company is more likely to raise rates. Contact your agent to see if you can lower your affordable insurance premiums in Nebraska 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 cheap auto insurance companies in Omaha, Nebraska will offer savings for good students and young people who take driving courses. Ask your local agent for more info so that you can get the cheapest car insurance in Omaha, NE.

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

 

Cheap Insurance for Good Drivers in Nebraska

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 Factors in Cheap Auto Insurance in Omaha, Nebraska

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 best car insurance in Omaha, Nebraska 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 low-cost car insurance Omaha, Nebraska. 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 and find what’s the cheapest car insurance in Omaha, Nebraska.

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

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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 car insurance cost 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 Omaha, NE auto insurance quotes merely by keying in your ZIP code into the calculator below.