Omaha, NE Car Insurance

What should residents of Omaha expect to pay for their car insurance? How does Omaha stack up to the rest of the area, or even Nebraska as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Omaha?

Based on the information in the chart above, you can see that on average, it's about $17 a month more expensive to insure your vehicle in Omaha than it is in the rest of Nebraska.

The average cost of insuring your vehicle in Omaha is above the national rate. The cost of insuring a vehicle in Omaha is about $8 more expensive than the average rate for the rest of the U.S.

Although these are the average rates for auto insurance in Omaha, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Omaha residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $89 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up in Omaha.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. The difference in Omaha is about $6 a month. Based on the chart above, you can see that male drivers pay $92 on average, while female drivers typically pay $86 each month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Omaha, having a single accident on your record will usually get you rates around $122 a month. In addition, drivers with one ticket can expect to pay around $100 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Omaha are usually SUVs, trucks, and vans, with each type typically costing about $85 per month.

The premium for car owners, however, is about $92 per month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Omaha are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

More often than not, people who are married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Omaha reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $30 a month.

Average Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Omaha, expect to pay around $19 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Omaha, NE

Recent trends in car insurance for Omaha drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

The cost of auto insurance coverage in Omaha have been mixed as of late, it declined in 2017, increased in 2019, and dropped again in 2021, before finishing at $51 in 2022.

How does Omaha compare to neighboring areas?

Why are car insurance rates in Omaha different from other areas?

There are many factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

• Number of drivers
• Local crime rates
• Road Safety (total number of local car accidents)
• Off-street parking accessibility
• Area regulations

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Omaha?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Omaha.

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Omaha Insurance FAQs

What factors affect car insurance quotes in Omaha?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Omaha different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Omaha?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Omaha?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Omaha or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?