Cheap Auto Insurance Quotes in Omaha, NE (2023)

If you’re not from Omaha, you might think that the Cornhuskers State is covered east to west in prairies and old wagon ruts. However, its city streets are just as metropolitan as you’ll find anywhere else and have similar problems and pitfalls.

With worsening traffic congestion, even the highway improvement plans the city has in place aren’t going to fix everything for the daily driver. The best choice drivers can make is taking charge of how much they pay for the insurance policies they have in place and how to find the better deals that are surely out there.

Car Insurance in Omaha, NE

The average cost of Nebraska car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Omaha, NE to find you the cheapest quotes in the area.

See More:

• Cheap Car Insurance Nebraska

• Compare Car Insurance

Cheapest Car Insurance in Omaha, NE

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Omaha, NE

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Omaha. For the complete list, see Insurify's best car insurance companies .

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Nebraska

All motor vehicles operated or parked on Nebraska roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Nebraska^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Nebraska is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorists

• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. While this level of coverage is required in Nebraska, drivers can increase their minimums by writing to their provider.

Omaha Car Insurance Rates by Driver Age

Because experienced drivers carry less risk, Omaha drivers in their 60s pay significantly less for car insurance on average than other drivers by age group. A 20-year-old driver in this city pays an average of $253 a month for car insurance, while car insurance rates for someone in their 60s here run an average of only $160 a month. Another good age to be for the best insurance rates in Omaha? The thirtysomething crowd has the third-cheapest car insurance rates here by age category, paying just $188 in average car insurance premiums.

Omaha Car Insurance Rates by Driving and Accident History

In Omaha, running a stop sign can have a serious impact on your insurance rates. On average, Omaha drivers caught running a red light are paying a whopping $291 for car insurance each month. While drivers with a clean record pay an average of $202 in monthly insurance premiums, run a red light, and you’ll pay significantly more. Speeding or an at-fault accident can raise insurance rates too. Omaha drivers pay $229 and $252 per month, respectively, for these driving mistakes.

See More:

• High-risk Car Insurance Nebraska

• DUI Car Insurance Nebraska

Omaha Car Insurance Rates by Credit Tier

Car insurance rates are determined by calculating a driver’s risk. Your credit score is one thing that goes into making this calculation. If you’re asking why, it’s because data crunchers have determined that a credit score can say a lot about a person’s chances of filing a claim. If you haven’t considered your credit score before, you probably should. Omaha drivers with an excellent credit score pay on average $187 per month for car insurance.

See More: Bad Credit Car Insurance Nebraska

Find local Omaha agents

Omaha, Nebraska DMV Information

Driver’s licensing services in the state can get a little confusing because they are split between state and county offices. Basically, you need to know that you can obtain a driver's license in any Nebraska DMV driver licensing office while vehicle titles and registrations are issued in the county where you reside. There are two driver licensing offices in Omaha and one in Bellevue. As for those registrations, Omaha sits in Douglas County, where there are five county branches to serve you.

Public Transportation in Omaha, Nebraska

Metro Omaha offers bus, bus rapid transit, and paratransit transportation options. Most recently, it launched a new system—Omaha Rapid Bus Transit (ORBT)—to streamline transportation and get residents around the city faster. ORBT serves 23 stations and four stops along its eight-mile route from Westroads to downtown. The difference between bus and bus rapid transit services is that the rapid transit line uses smart technology and a different kind of bus (one with a flexible, accordion-shaped piece in the middle). These service the city more frequently (every 10 minutes). Their stations use digital displays and audio announcements to track and announce stops, and raised platforms for level boarding mean improved accessibility and quicker boarding/deboarding. Park & Ride options as well as shared van rides for citizens with disabilities (MOBYride) are also featured modes of transportation. Omaha’s bikesharing system (Heartland B-cycle) allows cyclists to travel at their leisure, while on-demand ride services include the usual suspects: Uber and Lyft.

For more detailed Nebraska city level guides, check out these below.

• Average Cost of Car Insurance Rates in Nebraska

• DUI Car Insurance Rates in Nebraska

• High-Risk Driver Car Insurance Rates in Nebraska

• Nebraska Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Nebraska

• SR-22 Insurance in Nebraska

How to get the best and cheapest car insurance in Omaha, Nebraska

Although prairies do dot the Nebraska landscape, those who call Omaha home are more likely to be found behind a good cup of coffee than a wagon train. And though many of their ancestors may have played a part in settling the West, there are several reasons they shouldn’t be too settled on the car insurance they carry.

First, never has there been a time in our history where technology has played such a huge part in our getting exactly what we want when we want it. That goes for car insurance too. Today’s AI-based insurance comparison sites like Insurify can whip up quotes from top national and regional carriers in minutes. And second, switching carriers is easier than people think. As long as you have a new insurance policy in place before you cancel the old one, you’re golden.

FAQs - Omaha, NE Car Insurance