How much does auto insurance cost in Omaha?
The average cost of car insurance in Omaha, Nebraska, is $1,453 each year. That's greater than than the statewide average in Nebraska ($1,370) and less expensive than the national average of $1,548. Our guide to Omaha auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
OMAHA AUTO INSURANCE RATES
|Omaha Average (annual)||Nebraska Average||National Average|
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Omaha car insurance premiums by insurer
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, State Farm offers Omaha's most affordable premiums. See below the best companies for cheap auto insurance in Omaha — but don't forget to get personalized car insurance quotes to match your driving profile.
OMAHA CAR INSURANCE RATES BY COMPANY
|Company||Average Rate (annual)|
|Iowa Farm Bureau||$1,318|
Omaha car insurance premiums by age
Omaha drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,279per year, on average. Rates for Omaha drivers in their 60s are also relatively affordable, at just $1,288 per year.
Teenage drivers pay Omaha's most expensive car insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Omaha is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Omaha is $3,405, the largest such difference between any two age brackets.
OMAHA AUTO INSURANCE COSTS BY AGE
|Age tier||Average Yearly Rate|
Omaha car insurance rates by marital status and gender
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Omaha pay $132 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Omaha, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect auto insurance rates. In Omaha, female drivers pay more for auto insurance than do male drivers: $20 per year, to be precise.
OMAHA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Omaha auto insurance costs by accident and violation history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Omaha drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $607 per year versus the city average. A ticket for speeding results in a $229 rate hike, on average, while a DUI violation costs $419per year in insurance premiums.
AVERAGE OMAHA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,882|
|At-fault Accident (damages > $2,000)||$2,063|
|Speeding Ticket (16-20 mph over speed limit)||$1,682|
Omaha car insurance rates by credit level
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Omaha drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 56% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Omaha, improving your credit to "Fair" could help you earn a $1,015 decrease in annual car insurance rates.
OMAHA CAR INSURANCE PREMIUMS BY CREDIT TIER
|Credit Tier||Average Rate (annual)|
What drives up car insurance rates in Omaha?
Where you live in Omaha affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Omaha is no exception to the rule. From ZIP code 68136 to 68110, premiums rise by 36 percent—that’s $387.
Expensive Omaha ZIP codes: 68102, 68108, 68131, 68111, 68110
Cheap Omaha ZIP codes: 68136, 68118, 68130, 68154, 68164
Omaha Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Omaha, you can expect 87 rainy days with an annual rainfall of 29 inches. Omaha is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Omaha
Find Local Omaha Agents
First Insurance Group
1620 Dodge, Omaha, NE 68197
Daniel J. Clark Insurance Agency
6010 Wenninghoff Rd, Omaha, NE 68134
Accolade Insurance, LLC
7431 Pacific St, Omaha, NE 68114
6939 L St, Omaha, NE 68117
NFIA dba Auto Insurance Mart
1913 Military Ave., Omaha, NE 68111
Dunbar-Peterson Insurance Agency
1902 Howard St, Omaha, NE 68102
Joe Vukov Real Estate & Insurance
3415 L St, Omaha, NE 68107
The Insurance Center, Inc
5015 Underwood Ave, Omaha, NE 68132
9840 S 168TH AVE Ste 3, OMAHA, NE 68136
Insurance Planning Associates LLP
11720 W. Dodge Rd, Omaha, NE 68154
Dross Sterba Insurance Agency
4328 S 24th St, Omaha, NE 68107
All American Insurance, Inc.
4601 S 50th St Ste 211, Omaha, NE 68117
Best Insurance Services
7300 F St. #7, Omaha, NE 68127
Davis Insurance Agency, Inc.
1313 Cuming St., Ste 200, Omaha, NE 68102
Paisano Insurance, LLC
4810 S 24th St Ste 8, Omaha, NE 68107
Peterson Bros. Insurance, Inc.
13939 Gold Circle, Suite 200, Omaha, NE 68144
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