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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
$1,453 $1,370 $1,548

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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)
State Farm $1,185
Iowa Farm Bureau $1,318
American Family $1,407
Progressive $1,427
Farmers $1,597

Consult our expert guide to finding the best cheap car insurance.



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
Teenagers $5,339
20s $1,933
30s $1,422
40s $1,383
50s $1,279
60s $1,288
70s $1,538

Learn more about the impact of age on car insurance premiums.



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
Female $1,473
Male $1,453
Single $1,321
Married $1,321
Divorced $1,453
Widowed $1,411

Learn more about the impact gender and marital status have on insurance rates.



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
DWI/DUI $1,872
Reckless Driving $2,060
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

Learn more about how citations can raise your auto insurance rates.



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)
Very Poor $2,731
Fair $1,716
Good $1,453
Very Good $1,310
Exceptional $1,191

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



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.

87

Rainy Days a Year

29"

Avg. Annual Rainfall

22"

Avg. Annual Snowfall

Be Prepared For

Driving in Omaha

2
Major Highways
I-80 U.S. 75 I-680
2
Public Transit
Metro Bus MOBY
2
Popular Day Trips
Grand Island Sioux Falls Atchison

Find Local Omaha Agents

First Insurance Group

1620 Dodge, Omaha, NE 68197

Best Insurance Services

7300 F St. #7, Omaha, NE 68127

Insurance Planning Associates LLP

11720 W. Dodge Rd, Omaha, NE 68154

Joe Vukov Real Estate & Insurance

3415 L St, Omaha, NE 68107

Skyline Insurance

6939 L St, Omaha, NE 68117

Davis Insurance Agency, Inc.

1313 Cuming St., Ste 200, Omaha, NE 68102

Accolade Insurance, LLC

7431 Pacific St, Omaha, NE 68114

Oracle Insurance

9840 S 168TH AVE Ste 3, OMAHA, NE 68136

Dross Sterba Insurance Agency

4328 S 24th St, Omaha, NE 68107

All American Insurance, Inc.

4601 S 50th St Ste 211, Omaha, NE 68117

NFIA dba Auto Insurance Mart

1913 Military Ave., Omaha, NE 68111

Daniel J. Clark Insurance Agency

6010 Wenninghoff Rd, Omaha, NE 68134

The Insurance Center, Inc

5015 Underwood Ave, Omaha, NE 68132

Paisano Insurance, LLC

4810 S 24th St Ste 8, Omaha, NE 68107

Peterson Bros. Insurance, Inc.

13939 Gold Circle, Suite 200, Omaha, NE 68144

Dunbar-Peterson Insurance Agency

1902 Howard St, Omaha, NE 68102

2

$1,215

The average Omaha resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

194

That's equal to 194 cups of coffee or $486 in savings

See How Much You Can Save in Omaha

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Recent Questions:

Garage doors damaged

Only file a claim if the damages are so bad that you can't pay out of pocket to get the car and garage fixed. If you file a claim, you will get stuck with an at-fault accident on your record for 3 years.
Jul 4, 2018 Omaha, NE

If I have a gap in insurance, is it better to join my girlfriend's car insurance?

It's certainly possible that being added to your girlfriend's policy could be cheaper. For instance, if you live with your girlfriend and she has an established policy (and a good driving record) she will likely have a better rate for having continuous insurance.
May 15, 2019 Omaha, NE

What does Personal Injury Protection really mean?

Medical payments will pay for your injuries no matter who is at fault in the accident and can pay for the injuries of the other passengers in your car as well. Typically, you will only be paid for the cost of the injuries within the limits of the other person's liability limits.
Jun 24, 2018 Omaha, NE

What are the coverage limits on comprehensive and collision?

Thanks for the question! This is because the limits for these coverages are variable. At the point of a claim, the maximum an insurance company will usually pay is the actual cash value of the vehicle unless stated otherwise. 
Jun 3, 2020 Omaha, NE

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.