Car Insurance for Omaha in 2024

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Drivers in Omaha pay an average of $1,749 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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If you’re looking for cheap car insurance in Omaha, Nebraska, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Omaha — or anywhere.

To find the cheapest companies in Omaha, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Omaha driving a 2021 Toyota Camry LE.

Read on to find out how auto insurance companies in Omaha stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

Cheapest car insurance companies in Omaha

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Omaha, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyRateNerdWallet Rating
American National$771
NerdWallet rating 

3.0

/5
Auto-Owners Insurance$1,203
NerdWallet rating 

5.0

/5
Shelter$1,344
NerdWallet rating 

4.0

/5
Geico$1,474
NerdWallet rating 

5.0

/5
Farmers Mutual of Nebraska$1,526Not yet rated
Nationwide$1,546
NerdWallet rating 

4.5

/5
Farm Bureau Financial Services$1,717Not yet rated
Progressive$1,781
NerdWallet rating 

4.5

/5
IMT$1,995Not yet rated
State Farm$2,058
NerdWallet rating 

5.0

/5

Average car insurance cost in Omaha and Nebraska

Rates across Nebraska differ from those in Omaha for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Nebraska is $1,691, while in Omaha, it's $1,749.

Average city rateAverage state rate
$1,749$1,691

Average cost of car insurance in Omaha’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Omaha and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP CodeAverage Rate
68104$2,022
68116$1,565
68107$1,839
68135$1,613
68134$1,755
68164$1,577
68137$1,587
68111$2,281
68144$1,612
68154$1,604

Cheap car insurance in Omaha by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Omaha for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Omaha pay, on average.

CompanyRateNerdWallet Rating
American National$1,503
NerdWallet rating 

3.0

/5
Geico$2,606
NerdWallet rating 

5.0

/5
Auto-Owners Insurance$2,695
NerdWallet rating 

5.0

/5
Farmers Mutual of Nebraska$2,850Not yet rated
IMT$3,283Not yet rated
Farm Bureau Financial Services$3,417Not yet rated
Progressive$3,508
NerdWallet rating 

4.5

/5
Shelter$3,928
NerdWallet rating 

4.0

/5
American Family$3,942
NerdWallet rating 

5.0

/5
Nationwide$4,114
NerdWallet rating 

4.5

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Omaha, according to NerdWallet’s analysis.

CompanyRateNerdWallet Rating
American National$771
NerdWallet rating 

3.0

/5
Auto-Owners Insurance$1,203
NerdWallet rating 

5.0

/5
Shelter$1,344
NerdWallet rating 

4.0

/5
Geico$1,474
NerdWallet rating 

5.0

/5
Farmers Mutual of Nebraska$1,526Not yet rated
Nationwide$1,546
NerdWallet rating 

4.5

/5
Farm Bureau Financial Services$1,717Not yet rated
Progressive$1,781
NerdWallet rating 

4.5

/5
IMT$1,995Not yet rated
State Farm$2,058
NerdWallet rating 

5.0

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Omaha, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
American National$616
NerdWallet rating 

3.0

/5
Shelter$1,076
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,084
NerdWallet rating 

5.0

/5
Farmers Mutual of Nebraska$1,220Not yet rated
Nationwide$1,271
NerdWallet rating 

4.5

/5
Geico$1,397
NerdWallet rating 

5.0

/5
Progressive$1,407
NerdWallet rating 

4.5

/5
Farm Bureau Financial Services$1,485Not yet rated
IMT$1,754Not yet rated
State Farm$1,893
NerdWallet rating 

5.0

/5

Omaha’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Omaha by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Omaha according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
American National$771
NerdWallet rating 

3.0

/5
Auto-Owners Insurance$1,203
NerdWallet rating 

5.0

/5
Shelter$1,344
NerdWallet rating 

4.0

/5
Geico$1,474
NerdWallet rating 

5.0

/5
Farmers Mutual of Nebraska$1,526Not yet rated
Nationwide$1,546
NerdWallet rating 

4.5

/5
Farm Bureau Financial Services$1,717Not yet rated
Progressive$1,781
NerdWallet rating 

4.5

/5
IMT$1,995Not yet rated
State Farm$2,058
NerdWallet rating 

5.0

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Omaha according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
American National$1,129
NerdWallet rating 

3.0

/5
Progressive$1,996
NerdWallet rating 

4.5

/5
Shelter$2,167
NerdWallet rating 

4.0

/5
American Family$2,360
NerdWallet rating 

5.0

/5
Auto-Owners Insurance$2,439
NerdWallet rating 

5.0

/5
Farm Bureau Financial Services$2,672Not yet rated
State Farm$2,910
NerdWallet rating 

5.0

/5
Farmers Mutual of Nebraska$3,039Not yet rated
Nationwide$3,182
NerdWallet rating 

4.5

/5
Allstate$3,551
NerdWallet rating 

4.5

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Omaha, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
American National$1,063
NerdWallet rating 

3.0

/5
Auto-Owners Insurance$1,820
NerdWallet rating 

5.0

/5
Farmers Mutual of Nebraska$1,862Not yet rated
Shelter$1,918
NerdWallet rating 

4.0

/5
Progressive$2,452
NerdWallet rating 

4.5

/5
State Farm$2,565
NerdWallet rating 

5.0

/5
American Family$2,571
NerdWallet rating 

5.0

/5
Nationwide$2,688
NerdWallet rating 

4.5

/5
Farm Bureau Financial Services$2,713Not yet rated
Geico$2,898
NerdWallet rating 

5.0

/5

Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

For our “good driver” profile, NerdWallet found median insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2021 Toyota Camry LE and assumed 12,000 annual miles driven.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are median rates generated through Quadrant Information Services. Your own rates will be different.