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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average monthly car insurance cost in Omaha is $239 for full coverage, with liability-only policies averaging around $112, according to Compare.com data. But you can often find a much better deal if you know where to look.
Auto-Owners typically provides the cheapest rates in the area, with policies averaging $61 per month. That makes car insurance relatively affordable for a large city. Nebraska’s lower rates of uninsured drivers and fatal crashes could be behind the cheap premiums.
Whatever the reason, this article will show you how to get the best deal on car insurance in the Big O, no matter what.
Auto-Owners offers the cheapest average rates in Omaha, at just $61 per month.
Cheap basic liability policies start around $46 in Omaha.
Nebraska requires every driver to have an active liability policy to drive on public roads, but many experts recommend adding more coverage.
Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Omaha | $112 | $239 | $176 |
| Nebraska | $90 | $212 | $151 |
| National average | $106 | $210 | $158 |
The average overall cost for car insurance in Omaha is $176, according to Compare.com data — compare that to the statewide average of $151. But average rates are a crude guide, so consider it surface-level information before diving deeper into the ins and outs of car insurance premiums.
An essential element to consider is which auto insurance companies offer the best rates to drivers like you. To start, let’s review which ones offer the cheapest rates.
Uncover Omaha's cheapest rates.
Omaha drivers have plenty of ways to save money on car insurance. Choosing a historically cheap insurance company is an effective place to start.
Here are the five cheapest insurers in Omaha and their average rates, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| Auto-Owners | $61 |
| American Family | $86 |
| USAA | $94 |
| GEICO | $99 |
| Allstate | $103 |
We found that Auto-Owners offers the cheapest average rate, at $61 per month. But the cheapest option for the average driver may not be the best for specific demographics, such as liability-only drivers or seniors. We’ll dig into those and other driving profiles later.
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While there’s no single “best” insurance company for everyone, some insurers boast stronger records of serving customers well. Below, we cover three of the best auto insurance companies in Omaha.
We chose companies that offered low rates, good discounts, strong coverage options, and great customer reviews. Each excels with customer or claims service (or both), as well.
Average premium: $61 per month
Compare.com Rating: 4.43 out of 5
High claims satisfaction
Excellent coverage options
Rare coverage options, like diminished value coverage
Limited technology features
Online quotes not available
Low customer satisfaction levels
Auto-Owners is a midsize insurance company offering some of the lowest rates in Omaha. With a purchase price guarantee, you can be sure you’ll maintain your low rate for a long time.
While the company performs slightly below average for customer satisfaction in some regions, it performs better than average in the Midwest.
When you bundle auto and home insurance, you can also get accident forgiveness, waived collision deductibles, and a common loss deductible.
Average premium: $86 per month
Compare.com Rating: 4.98 out of 5
High claims and customer service satisfaction
Excellent discount options
Highly rated local agents
Not the best technology features
Rideshare insurance not available
No vanishing deductibles
American Family personalizes its customer service by providing designated agents, which is probably why it performs so well with claims and customer satisfaction. The company also offers a large selection of discounts — many of which are somewhat rare — including a generational discount, savings for switching from a competitor, and rewards for young volunteers.
You can also purchase a wide range of other insurance products with American Family, which gets you access to an additional bundling discount.
Average premium: $94 per month
Compare.com Rating: 4.91 out of 5
High claims and customer service satisfaction
SafePilot program awards significant discounts
Military-specific coverage and discounts
Only available to military members and immediate family
Gap insurance not available
Limited customer service hours
If you’re enlisted or a veteran, you can get USAA and pass it on to your children and grandchildren. Not only does USAA provide cheap rates, but it’s also top-ranking for customers and claims satisfaction. You’ll even get discounts for storing your vehicle on a military base.
Though USAA doesn’t have the most extensive coverage options, most drivers can find what they need. You’ll also find additional insurance products from USAA, including cyber insurance.
Find the best insurer for your needs and budget.
Policy coverage levels greatly affect the cost of an auto insurance policy. That’s why liability coverage at the state-minimum limits is usually the cheapest policy you can buy. But these policies cover only the damage you cause up to coverage limits, plus uninsured motorist protection. They don’t provide any protection for your injuries or your vehicle.
This table shows the cheapest companies in Omaha for liability coverage, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| Auto-Owners | $46 |
| American Family | $65 |
| USAA | $71 |
| GEICO | $74 |
| Allstate | $77 |
Auto-Owners is the cheapest option on average for liability policies, at just $46 per month. But if you have a car loan or drive a car worth more than $5,000, you’ll likely need additional coverage, so let’s look at full-coverage policies next.
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Full-coverage policies include everything state-minimum car insurance requires, plus collision and comprehensive coverage. These added protections cover damage to your car, which is why they’re more expensive.
Still, several insurers offer great rates for full coverage. Here are the cheapest companies in Omaha, according to our data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| Auto-Owners | $76 |
| American Family | $108 |
| USAA | $118 |
| GEICO | $124 |
| Allstate | $129 |
At $76 per month, Auto-Owners provides the most affordable full-coverage policies, on average. But many factors can influence rates, including your age, driving record, and vehicle.
Let’s see how rates change based on your age.
Age is one of the most significant factors determining your car insurance rates. According to the Insurance Information Institute, younger drivers have more than double the accident involvement rate of drivers over 45. As accident rates decrease with age, so do premiums.
Here’s how rates change for Omaha drivers based on age, plus the cheapest insurer for each age group, according to Compare.com data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $299 | Auto-Owners | $100 |
| 20s | $206 | Auto-Owners | $77 |
| 30s | $161 | Auto-Owners | $58 |
| 40s | $147 | Auto-Owners | $53 |
| 50s | $129 | Auto-Owners | $46 |
| 60s | $120 | Auto-Owners | $42 |
| 70s | $124 | Auto-Owners | $42 |
Let’s take a closer look at each end of the spectrum: teen drivers and seniors.
Teenage drivers are the most expensive age group to insure because they’re statistically more risky. In fact, teens are almost three times as likely to be involved in a fatal crash as drivers in other age groups, according to data from the Insurance Institute for Highway Safety (IIHS).
The citywide average for Omaha’s teen drivers is $299 per month, according to our research. But teens driving with Auto-Owners pay much less — just $100 per month. Teens can also take advantage of good student discounts to lower rates even more.
Drivers 55 and older have some of the lowest accident rates, according to the IIHS, so seniors typically pay the lowest rates compared to other age groups. Combined with senior discounts or pay-per-mile programs for low-mileage drivers, seniors can uncover some of the cheapest rates on the market.
In Omaha, Auto-Owners provides the cheapest premiums for drivers aged 60 and up, averaging $42 monthly, according to our data. That’s much less than the $120 per month the average senior driver pays.
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Your driving history dramatically affects car insurance rates throughout your life. A clean record usually earns you lower-than-average rates — and sometimes additional discounts, too. But driving infractions and accidents cause rates to rise.
Here’s how driving records affect rates in Omaha and the cheapest company on average for each profile, according to our data.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $176 | Auto-Owners | $61 |
| Speeding ticket | $229 | Auto-Owners | $82 |
| At-fault accident | $244 | Auto-Owners | $86 |
| DUI | $291 | Auto-Owners | $100 |
Rates are lowest for clean records, but even drivers with marks on their records can get a good deal. Let’s break it down further.
Nationwide, rates go up by 27% on average after a speeding ticket, according to Compare.com data. The average for drivers with a speeding ticket in Omaha is $229 per month, but with Auto-Owners, drivers spend just $61 per month on average.
Drivers with tickets can save money by leveraging discounts, especially bundling discounts, and maintaining a clean record going forward. Most insurance companies only look at your driving record from the last three to five years.
Car accidents indicate a higher risk to insurance companies, which leads to more expensive rates. In fact, our data shows that national premiums go up 34% after one.
The average premium for Omaha drivers with at-fault accidents is $244, according to our data — a large increase compared to clean records. Even so, you could save with Auto-Owners — its average rates are $86 per month.
Defensive driving courses can earn you discounts from several insurers and reduce the likelihood of another collision. Avoiding tickets and additional accidents will help you return to lower rates quickly.
As a more severe driving infraction, a DUI typically causes larger increases — 50% on average, based on data from Compare.com. In Omaha, drivers with DUIs spend $291 per month, but Auto-Owners offers the lowest average rate of $100 per month, according to our research.
To lower rates, drivers with a DUI should do their best to maintain a clean driving record in the future. They can also compare rates often so they never miss a better rate.
Nebraska requires drivers to carry liability coverage with the following minimum limits:
$25,000 per person for bodily injury (BI) coverage
$50,000 per accident for BI coverage
$25,000 for property damage (PD) coverage
The state also mandates uninsured/underinsured motorist (UM/UIM) coverage with limits of $25,000 per person and $50,000 per accident.
You must show proof of insurance during traffic stops, accidents, and registration renewals. Failure to maintain proper insurance can result in fines, license suspension, SR-22 requirements, and other penalties.
For more details, visit the Nebraska Department of Motor Vehicles.
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Finding affordable car insurance can be a challenge, but the right strategies can reduce premiums without sacrificing quality coverage. Here are some tips to help you save:
Maintain a clean driving record: Avoid accidents and traffic violations to keep your rates low — both now and in the future.
Choose higher deductibles: Opting for a higher deductible should lower your monthly premiums. But make sure you can afford the extra expense if you have to file a claim.
Bundle policies: Most insurers offer discounts for combining your car insurance with other insurance policies.
Take advantage of discounts: Look for eligible discounts and speak with your agent about any you may have missed.
Compare quotes from multiple companies: Shopping around and comparing multiple quotes makes it more likely you’ll find the best coverage at the best price.
Get Omaha's best rates now.
Here are the answers to the most common questions asked about getting auto insurance in Omaha.
The cheapest car insurance in Omaha varies depending on personal factors, but Auto-Owners currently offers the most competitive rates, according to our research. Omahans who choose the insurer pay an average of just $61 per month for coverage. That said, comparing quotes from multiple companies is essential to finding the best deal.
On average, car insurance in Omaha costs $112 for liability and $239 for full-coverage policies, according to Compare.com data. That said, rates vary based on your driving history, age, and coverage needs.
A basic car insurance policy in Nebraska includes liability coverage with minimum limits of $25,000 per person and $50,000 per accident of bodily injury coverage, $25,000 of property damage coverage, and uninsured/underinsured motorist protection.
Driving without insurance in Omaha can result in license suspension, a $50 reinstatement fee, SR-22 proof of insurance filing requirements, and higher rates from insurance companies.
Insurance Information Institute, “Facts + Statistics: Uninsured motorists,” accessed August 22, 2024.
Insurance Institute for Highway Safety (IIHS), “Fatality Facts 2022 State by state,” accessed August 22, 2024.
J.D. Power, “2023 U.S. Auto Insurance Study,” accessed August 22, 2024.
Insurance Information Institute, “Facts + Statistics: Teen Drivers,” accessed August 22, 2024.
Insurance Institute for Highway Safety (IIHS), “Fatality Facts 2022: Teenagers,” accessed August 22, 2024.
Nebraska Department of Motor Vehicles, “No Proof of Insurance Conviction,” accessed August 22, 2024.
Nebraska Legislature, “Nebraska Revised Statute 60-310,” accessed August 22, 2024.
Nebraska Legislature, “Nebraska Revised Statute 44-6408,” accessed August 22, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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