Who Has the Cheapest Auto Insurance Rates in Omaha, NE?
State Farm has the cheapest full coverage car insurance in Omaha, at $131 per month.
Compare Car Insurance Rates in Omaha, Nebraska
Best cheap auto insurance in Omaha, NE
How we chose the top companies
Best and cheapest car insurance in Nebraska
- Cheapest full coverage: State Farm, $131/mo
- Cheapest minimum liability: Geico, $46/mo
- Cheapest for young drivers: Geico, $134/mo
- Cheapest after a ticket: State Farm, $142/mo
- Cheapest after an accident: State Farm, $153/mo
- Cheapest for teens after a ticket: Geico, $182/mo
- Cheapest after a DUI: American Family, $180/mo
- Cheapest for poor credit: Geico, $182/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best mix of cheap rates and reliable customer service for most Nebraska drivers. USAA is also an excellent choice, but it's only available to military members, veterans and some of their family members.
Geico also has very affordable rates, but its customer service reviews aren't quite as good as State Farm's.
Cheapest car insurance in Omaha: State Farm
State Farm has the cheapest full coverage car insurance quotes in Nebraska.
At $131 per month, full coverage from State Farm costs $42 per month less than the Omaha city average.
Drivers with military ties can find even cheaper rates at USAA, where a full coverage policy costs $121 per month. However, you can only get USAA insurance if you've served in the U.S. military or your spouse or parent has had a USAA insurance policy at some point.
Compare Car Insurance Rates in Omaha, Nebraska
The average cost of car insurance in Omaha is $173 per month for a full coverage policy. That's $12 per month more than the Nebraska state average.
Best cheap full coverage Omaha auto insurance
Company | Monthly rate | |
|---|---|---|
| State Farm | $131 |
| Geico | $134 |
| Progressive | $160 |
| American Family | $180 |
| Farm Bureau | $182 |
*USAA is only available to current and former military members and their families.
Cheapest liability-only insurance in Omaha: Geico
Geico has the cheapest rates for minimum liability coverage insurance in Omaha.
A liability-only policy from Geico costs $46 per month, which is $21 per month less than the Omaha city average.
Progressive also offers cheap minimum liability insurance in Omaha, but its customer service isn't as highly rated as Geico. For that reason, Geico is a better choice for most people.
Cheapest minimum liability car insurance quotes in Omaha, NE
Company | Monthly rate |
|---|---|
| Geico | $46 |
| Progressive | $47 |
| Farm Bureau | $54 |
| State Farm | $55 |
| American Family | $69 |
*USAA is only available to current and former military members and their families.
Compare Car Insurance Rates in Omaha, Nebraska
Cheap insurance in Omaha for teens: Geico
Geico has the most affordable car insurance quotes for most Omaha teens.
A minimum liability policy from Geico costs around $134 per month for an 18-year-old. That's $91 per month cheaper than the Omaha average.
Geico also offers the cheapest full coverage rates for Omaha teens. At $364 per month, full coverage from Geico costs $154 per month less than the citywide average.
Omaha teens with military ties can find even cheaper rates at USAA. However, you can only get USAA insurance if you're a military member, veteran or your family members have served and had a USAA policy at some point.
Cheapest Omaha insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $134 | $364 |
| State Farm | $184 | $398 |
| Farm Bureau | $190 | $464 |
| American Family | $222 | $464 |
| Progressive | $255 | $775 |
*USAA is only available to current and former military members and their families.
Eighteen-year-old drivers in Omaha pay three times as much as 30-year-old drivers. Since they have less experience behind the wheel and tend to take more risks, teens get into accidents more often than experienced adult drivers. That makes them more expensive to insure.
The best way for young drivers in Omaha to find cheap rates is by staying on their parents' insurance policy. A family policy is typically much less expensive than two separate policies.
Car insurance discounts, such as a safe driving program or a good student discount, are another way teen drivers can help make their rates more affordable.
Cheapest car insurance in Omaha after a speeding ticket: State Farm
State Farm has the best full coverage rates for drivers in Omaha with a recent speeding ticket. At $142 per month, full coverage from State Farm costs $63 per month less than the citywide average.
Cheap insurance in Omaha, NE after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $142 |
| Geico | $165 |
| American Family | $180 |
| Farm Bureau | $206 |
| Progressive | $225 |
*USAA is only available to current and former military members and their families.
A single speeding ticket increases the cost of auto insurance for Omaha drivers by 19%. That's an average increase of $32 per month for a full coverage policy.
Cheap car insurance in Omaha, NE after an accident: State Farm
State Farm has the cheapest rates for Omaha drivers with an at-fault accident on their records. State Farm charges around $153 per month after one accident. That's $109 per month less than the Omaha average.
Cheapest car insurance in Omaha after an accident
Company | Monthly rate |
|---|---|
| State Farm | $153 |
| American Family | $213 |
| Geico | $267 |
| Progressive | $273 |
| Farm Bureau | $288 |
*USAA is only available to current and former military members and their families.
Rates in Omaha go up by an average of 51% after an at-fault accident. You should compare rates when you get your renewal offer from your current company to make sure you're getting the best deal.
Cheap insurance in Omaha for teens with a bad record: Geico
Geico has the most affordable quotes for Omaha teens with a speeding ticket or accident on their record.
After a speeding ticket, minimum liability coverage from Geico costs around $182 per month for an 18-year-old. That's $72 per month less than the Omaha city average.
Geico also has the cheapest quotes for teens with an accident on their record, at $224 per month for minimum liability coverage. You should also compare rates from State Farm, which costs an average of $1 per month more than Geico after a crash.
Cheapest auto insurance in Omaha for teens with a bad driving record
Company | Ticket | Accident |
|---|---|---|
| Geico | $182 | $224 |
| State Farm | $205 | $225 |
| Farm Bureau | $216 | $301 |
| American Family | $222 | $255 |
| Progressive | $282 | $305 |
*USAA is only available to current and former military members and their families.
Omaha teens pay 13% more for car insurance after a speeding ticket, and 35% more after an at-fault accident. That's a much smaller increase than older drivers experience because teens pay much more for insurance to begin with.
Cheapest Omaha, Nebraska auto insurance after a DUI: American Family
American Family has the most affordable rates for Omaha drivers with a DUI. American Family charges just $180 per month for full coverage after a DUI, which is $121 per month less than the Omaha average.
Cheapest auto insurance companies in Omaha after a DUI
Company | Monthly rate |
|---|---|
| American Family | $180 |
| Progressive | $200 |
| Farm Bureau | $206 |
| State Farm | $264 |
| Allstate | $346 |
*USAA is only available to current and former military members and their families.
Car insurance rates in Omaha go up by 74% after one DUI. In addition, you may need to get SR-22 insurance after a DUI in Nebraska. Most companies charge between $15 and $50 to file an SR-22 form for you, on top of any increase in your insurance rates.
Cheapest car insurance in Omaha for drivers with poor credit: Geico
Geico is the most affordable company for Omaha drivers with poor credit. Geico customers pay $182 per month for full coverage, which is $157 per month less than the city average.
Cheap car insurance companies for Omaha drivers with poor credit
Company | Monthly rate |
|---|---|
| Geico | $182 |
| Progressive | $260 |
| American Family | $312 |
| Nationwide | $313 |
| Farm Bureau | $347 |
*USAA is only available to current and former military members and their families.
In Omaha, drivers with a poor credit score pay almost double the price for insurance than those with good credit. This is because insurance companies believe that people with bad credit are more likely to file a claim in the future.
Average cost of auto insurance in Omaha, Nebraska by neighborhood
North Omaha has the highest rates in the city, with an average of $210 per month for full coverage insurance.
The 68138 ZIP code in southwestern Omaha has the cheapest rates in the city, at $152 per month for full coverage.
Car insurance costs vary by up to $58 per month across Omaha. You might pay more if your neighborhood has narrow roads that are in bad shape, or less if there's very little crime near you.
Full coverage Omaha car insurance rates by ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 68022 | $159 | -8% |
| 68102 | $192 | 11% |
| 68104 | $193 | 11% |
| 68105 | $182 | 5% |
| 68106 | $167 | -3% |
What's the best car insurance coverage in Omaha?
Most Omaha drivers should consider getting full coverage car insurance.
Full coverage includes liability insurance, as well as collision and comprehensive coverage.
- Collision coverage pays for damage from a crash with another vehicle or a stationary object, regardless of whose fault it is.
- Comprehensive coverage pays for damage resulting from "acts of God," such as trees falling or natural disasters, theft and vandalism, as well as other non-collision damage.
Lenders typically require you to have comprehensive and collision coverage if you have a car loan or lease. You should also consider adding these coverages if your car is less than eight years old or worth more than $5,000.
In addition, full coverage insurance can have higher liability limits than the state requirement. This is important because a minimum coverage policy may not have enough protection to fully pay for an expensive crash.
For example, $25,000 of property damage liability won't be enough to fully replace most newer vehicles if you total another car in a crash.
Frequently asked questions
How much is car insurance in Omaha, Nebraska?
The average cost of full coverage car insurance in Omaha is $173 per month. Minimum coverage in Omaha costs an average of $67 per month.
What is the cheapest car insurance in Omaha, NE?
Geico has the absolute cheapest car insurance in Omaha, at $46 per month for a minimum liability policy. State Farm offers the cheapest full coverage rates, at $131 per month.
Methodology
To find the best cheap car insurance in Omaha, ValuePenguin editors collected quotes from eight of the most popular insurance companies in Nebraska. Rates are for a 30-year-old single man with good credit and a clean driving record who owns a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus higher liability limits than the state requires.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.