How Much Are Car Insurance Rates in Omaha?
Omaha is recognized for its expensive premiums, as its mean premium is 10% greater than the state average. Therefore if you are insuring a vehicle in Omaha, understanding premium costs is crucial. Who doesn't like saving money? Check out some ways to save on auto insurance in Omaha.
INSURANCE COSTS: OMAHA VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Omaha Car Insurance by Marital Status and Gender
Both gender and marital status are important considerations in determining the price of car insurance in Omaha. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being single, as opposed to married, can cost you roughly $120 more per year. The amount by which men's and women's car insurance premiums vary is minimal.
OMAHA CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Omaha Car Insurance After Accidents or Violations
Maintaining an unblemished driving record is vital to keep your premiums minimal. For those in Omaha with at-fault accidents in which damages exceeded $2,000, rates are an average of 11% more than at-fault accidents with damages less than $1,000. In Omaha, drivers with a DUI need to spend $909 more than the city average to insure their vehicle. Reckless driving will also push your rates up, with average rates of $2,144!
AVERAGE OMAHA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,798|
|At-fault Accident (damages greater than $2,000)||$1,990|
|Speeding Ticket (16-20 mph over speed limit)||$1,549|
Omaha Car Insurance Premiums by Age
Teenage drivers have the largest premiums amongst all the age groups, with car insurance payments of $5,123 on average. Omaha drivers see the biggest reduction in premiums when they hit their 20s, as they pay an average of $3,335 less after moving out of the teenage age bracket. The first time drivers can expect their age to trigger an increase in car insurance premiums is when they turn 60. When looking across all age groups, drivers in their 50s tend to have the lowest car insurance rates. Their rates generally average $1,136/year. However, people in their 60s ($1,151) also have relatively low premiums.
OMAHA AUTO INSURANCE PREMIUMS BY DRIVER AGE
Omaha Auto Insurance by Credit Level
The discrepancy between average car insurance premiums in Omaha for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $1,104 per year. Drivers will see the greatest percent decrease in premiums when they improve their credit from Fair (580-669) to Good (670-739). That change can save them 16% per year.
OMAHA CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Rate|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Omaha, you can expect 87 rainy days with an annual rainfall of 29 inches. Omaha is also known to experience severe winter storms. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Omaha Agents
Accolade Insurance, LLC
7431 Pacific St Omaha, NE 68114
Dunbar-Peterson Insurance Agency
1902 Howard St Omaha, NE 68102
The Insurance Center, Inc
5015 Underwood Ave Omaha, NE 68132
Insurance Planning Associates LLP
11720 W. Dodge Rd Omaha, NE 68154
Best Insurance Services
7300 F St. #7 Omaha, NE 68127
9840 S 168TH AVE OMAHA, NE 68136
All American Insurance, Inc.
4601 S 50th St Ste 211 Omaha, NE 68117
Davis Insurance Agency, Inc.
1313 Cuming St., Ste 200 Omaha, NE 68102
NFIA dba Auto Insurance Mart
1913 Military Ave. Omaha, NE 68111
6939 L St Omaha, NE 68117
Daniel J. Clark Insurance Agency
6010 Wenninghoff Rd Omaha, NE 68134
Peterson Bros. Insurance, Inc.
13939 Gold Circle, Suite 200 Omaha, NE 68144
Paisano Insurance, LLC
4810 S 24th St Ste 8 Omaha, NE 68107
Joe Vukov Real Estate & Insurance
3415 L St Omaha, NE 68107
Dross Sterba Insurance Agency
4328 S 24th St Omaha, NE 68107
First Insurance Group
1620 Dodge Omaha, NE 68197
Not sure about Omaha
Check out these other Nebraska cities...
The average Omaha resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Omaha
Just enter your zip code to get started
Omaha Car Insurance
#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
Mar 29, 2017
April is Distracted Driving Awareness Month. Here at Quoted, we’ve written about this highly dangerous behavior in great detail. Here...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
The 10 Most Car-Friendly Colleges in the U.S.
Aug 17, 2015
As we’ve detailed before, and as any driver already knows, car ownership is expensive. The annual cost to own and...
Aw, Hail No
May 23, 2014
Just before 4 p.m. in eastern Pennsylvania, the skies darkened as temperatures plummeted. Shoppers in a mall in Wyomissing heard a...