Car Insurance in Omaha, NE

American National offers the cheapest car insurance in Omaha at $81/mo.
Compare and save on auto insurance in or near Omaha, NE with The Zebra.

Enter your ZIP code to start your search:

The Zebra works with 100+ insurance partners to connect you with the best coverage in Omaha at the right price.

About The Zebra's recommendations

The Zebra’s product features real quotes from some of the companies we review. However, our content and reviews are unbiased and never commission-based.

Reference our editorial standards or learn more about how we make money.

By Beth Swanson

Updated October 28, 2026

Reviewed By Renata Balasco

Edited By Kristine Lee

Jump to

Cheap liability and full coverage auto insurance in Omaha
Why is car insurance in Omaha so expensive?
Rates after an accident or ticket
Omaha auto insurance FAQs

How much does car insurance cost in Omaha?

The average car insurance premium in Omaha is $1,092 per 6-month full coverage policy ($182 per month),^[1] about the same as as the Nebraska state average.

For the typical driver looking to save, American National is the cheapest full coverage option at $81 per month. If you prefer the minimum required liability coverage, American National is your lowest option at $24 per month.

Omaha car insurance is slightly less expensive than average compared with the US average.
American National has the cheapest full coverage rates at $81/mo. For liability-only insurance, American National is the cheapest option at $24/mo.
An at-fault accident in Omaha can cause rate hikes of up to $658 on a 6-month policy.

Start your quotes

Cheap liability and full coverage auto insurance in Omaha

In 2026, American National leads the pack for affordable full coverage in Omaha, with an average premium of about $81 per month. Drivers focused on meeting only Nebraska's minimum insurance requirements can find the lowest average rate from American National, at roughly $24 per month.

Filter by:

City

Updating data...

Company	Full coverage (6-month)	State minimum (6-month)
American National	$489	$143
Farmers Mutual of Nebraska	$615	$211
Progressive	$692	$244
GEICO	$750	$223
USAA	$802	$217
Auto-Owners	$818	$331
Shelter	$1,199	$443
Farm Bureau Mutual (IA Group)	$1,335	$445
Allstate	$1,749	$537
MetLife	$2,000	$256
Auto Club Group	$2,284	$601

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

About 39% of drivers in Omaha decide to only get the minimum coverage required by the state. While this makes their rates significantly lower, it is limited to injuries and property damage they are responsible for causing. Higher limits or full coverage are often worthwhile for drivers who want to reduce their exposure to large out-of-pocket bills, especially given the higher than average number of uninsured drivers.^[2]

How much could my car insurance cost?

For more accurate Omaha car insurance quotes, enter your age, insured status, homeowner status, and ZIP code.

About me:

Why are we asking?

I'm currently insured

I own my own home

How old are you?

Select an age range to continue

What is your ZIP code?

This field is required

Fetching your estimate

Now get quotes for you

Here at The Zebra, we make it easy for you to find the right coverage—at the right price. We compare top companies so you can find what works for you.

We can also help you:

Find discounts

Understand coverage options

Add more drivers or vehicles

Why is car insurance in Omaha so expensive?

In 2026, {city_name} is slightly less expensive than average for the US. Local weather risks, traffic density, and collision frequency all affect insurers' costs and can influence what drivers pay for coverage.

1. Weather

Omaha's location along the Missouri River and in the heart of Tornado Alley exposes drivers to a wide range of weather hazards throughout the year. Spring and summer bring severe thunderstorms, large hail, and damaging winds, while winter often delivers snow, ice, and freezing temperatures that make roads hazardous. These frequent weather events increase vehicle damage and accident claims, which can contribute to higher car insurance rates.

2. Traffic

Omaha's growing population and its role as eastern Nebraska's largest employment center have led to heavier traffic on major routes such as I-80, I-680, Dodge Street (US-6), and West Dodge Road. Daily commuter congestion, busy interchanges, and increasing suburban growth raise the risk of collisions, resulting in more accident claims and contributing to higher car insurance premiums for local drivers.

3. Uninsured drivers

32% (higher than average for the state) of Omaha drivers are uninsured. Heavy commuter traffic on roads like Dodge Street increases the risk of crashes. When an uninsured driver is at fault, uninsured motorist coverage may pay expenses their policy would otherwise cover. These claims can add to the cost of insuring Omaha drivers.

Nebraska requires uninsured and underinsured motorist coverage

Because Nebraska requires insurers to include uninsured and underinsured motorist (UM/UIM) coverage with every auto liability policy, many Omaha drivers already have this important protection without realizing how valuable it is. When I was writing policies, I always encouraged customers to review their UM/UIM limits instead of simply accepting the minimum. You can't control whether the driver who hits you has enough insurance, and serious injuries can quickly exceed another driver's liability limits. Having stronger UM/UIM coverage can make a significant difference in protecting your finances after a major accident.

-Renata Balasco, Licensed agent and insurance writer at TZ

Car insurance rates after an accident in Omaha

In Omaha, an at-fault accident can raise your car insurance by $658 for a 6-month policy. Keeping a clean driving record is the best way to avoid increases.

Premiums can go up after multiple violations such as accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.

Filter by:

City+State

Updating data...

Accident/Violation	Avg. 6 Mo. Premium
At-fault accident - greater than $2000	$1,751
Reckless driving	$1,978
At-fault accident - $1000-$2000	$1,751
At-fault accident - less than $1000	$1,579
Driving with a suspended license	$2,100
One comp claim	$1,218
Speeding 16 - 20 MPH over limit	$1,355
Speeding in school zone	$1,280
Open container	$1,562
Leaving scene of an accident/hit and run	$2,190
Failure to wear a seat belt	$1,233
Cell phone violation	$1,247
Improper passing	$1,325
Driving with expired registration	$1,237
Two comp claims	$1,430
DUI	$2,174
Racing	$2,188
Not-at-fault accident	$1,175
Wrong way/wrong lane	$1,411
Failure to stop at a red light	$1,290
Illegal turn	$1,302

Source: The Zebra

Ready to get started?

Nebraska drivers in and near Omaha saved money on car insurance recently using The Zebra:

This quote from AssuranceAmerica helped a Hyundai Tiburon driver in Lincoln, NE cut their insurance costs.

Our licensed agents guided a driver in Omaha, NE to find this smart deal on their Toyota RAV4 with Clearcover.

Our licensed agents guided a driver in Cambridge, NE to find this smart deal on their Toyota Sienna with National General.

Our licensed agents guided a driver in Lincoln, NE to find this smart deal on their Chevrolet Equinox with GEICO.

Our licensed agents guided a driver in Beatrice, NE to find this smart deal on their Chevrolet Equinox with Dairyland Insurance.

Our licensed agents guided a driver in Omaha, NE to find this smart deal on their Toyota Highlander with Root Insurance.

*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.

See similar quotes

Omaha car insurance FAQs:

What is the cheapest car insurance in Omaha?

American National is the carrier with the cheapest rates in Omaha, coming in at an average of $81 per month.

How much is car insurance in Omaha?

The average for a six-month auto insurance policy in Omaha is $1,092 or $182 per month. This is about the same as Nebraska state averages.

How much is car insurance in Omaha for teenagers?

Teenagers in Omaha on average pay over $2,351 for a six-month full coverage policy or $392 per month. Because car insurance is so expensive for teen drivers who have their own policy, we recommend that young drivers be added to their parents' policies to significantly bring down the cost.

Why is Omaha, Nebraska auto insurance so high?

Even if you have a clean driving record, Omaha drivers may still see higher insurance rates. Omaha's higher than average rate of uninsured drivers, population density, and prevalence of severe storm and tornados coupled with national issues like rising repair costs, inflation, and the increasing cost of replacing advanced vehicle technology have all driven up insurance prices throughout the Omaha area.

Can I lower my coverage to save money in Omaha?

Choosing lower coverage limits, increasing your deductible, or removing optional coverages can reduce your car insurance premium. However, those changes also mean you'll pay more out of pocket if you're involved in an accident or your vehicle is damaged.

Sources:

Data Methodology. The Zebra's Dynamic Insurance Rating Tool

Data Methodology. The Zebra's Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra.

Anonymized User Surveys. The Zebra.

What Omaha Drivers Want to Know About Car Insurance

Other people are also asking...

Should I contact the police and insurance company days after I rear ended a car?

It is unlikely that the other driving contacting the police days after the accident will result in any citation. Unless they were called to the scene, they probably won't even be able to write an accident report. In the majority of rear-end crashes, the driver in the back is normally considered at-…

Jul 28, 2021 Omaha, Nebraska

Can I manage everything online with Shelter?

Shelter does have an app and an online account system, but they’re not as modern or flexible as some of the big national carriers. You can do the basics — things like paying your bill, pulling up ID cards, or filing a claim online. But when it comes to adjusting your coverage, adding a driver, or c…

Oct 9, 2025 Omaha, NE

Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?

Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicl…

Apr 20, 2023 Lincoln, NE

Is a tracking app worth it if I hardly drive?

SmartMiles is Nationwide’s pay-per-mile program, and it’s designed for exactly the situation you’re in — people who don’t drive much. Instead of paying a flat premium, you pay a smaller monthly base rate plus a per-mile charge. For someone driving only around 4,000 miles a year, it can often be che…

Mar 26, 2026 Lincoln, NE

Browse All Questions Ask a Question

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 editorial 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.