How Much Does Auto Insurance Cost in Omaha?


On average, Omaha premiums exceed Nebraska's average by $119. Who doesn't like to save money? Check out some ways to save on auto insurance in Omaha.


AUTO INSURANCE PRICES: OMAHA VS. STATE/US AVERAGES
City AverageState AverageNational Average
$1,400$1,281$1,569


Omaha Auto Insurance by Marital Status and Gender


Pricing for car insurance premiums in Omaha is determined by several considerations, including gender and marital status. However, premiums for men and women typically only deviate slightly, with women paying more. Did you know that in your city marital status can actually change your premiums substantially? Being married, as opposed to single or divorced, can save you an average of $232 per year. Rates for those who are widowed are moderately cheaper than rates for those who are single.


OMAHA CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,407
Male$1,400
Single$1,400
Married$1,168
Divorced$1,400
Widowed$1,343


Omaha Car Insurance by Credit Rating


Average car insurance premiums in Omaha for those with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). In terms of percent change, the biggest benefit of better credit occurs when rising from Very Poor (300-579) to Fair (580-669), by which drivers can save around 36% per year.


OMAHA CAR INSURANCE RATES BY CREDIT LEVEL
CreditAverage Auto Insurance Rate
Very Poor$2,589
Fair$1,647
Good$1,400
Very Good$1,278
Exceptional$1,175


Omaha Auto Insurance by Violation or Accident History


Do you have a history of accidents or violations? That may have an impact on your premiums. Insurance rates are influenced by at-fault accident history, and more specifically, by the extent of the damage that was done in the accidents. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another $316 per year in premiums. Many people look at speeding as a minor offense, but did you know that getting pulled over for driving 16-20mph over the limit can cost you extra $263 per year on car insurance?


AVERAGE OMAHA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$2,130
Reckless Driving$2,322
At-fault Accident (damages less than $1,000)$1,803
At-fault Accident (damages greater than $2,000)$2,120
Speeding Ticket (16-20 mph over speed limit)$1,664


Omaha Car Insurance by Age

With car insurance payments of $5,318 on average, teenage drivers have the highest rates of any age group. The greatest drop in premiums for Omaha drivers happens when they hit their 20s. Once out of the teenage age range, individuals reduce their premiums by 64%. Car insurance premiums in Omaha continue to trend downward up until drivers hit 60. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance rates among any age group, with rates of $1,209 per year. However, people in their 60s ($1,231) also have relatively low premiums.


OMAHA CAR INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$5,318
20s$1,907
30s$1,370
40s$1,322
50s$1,209
60s$1,231
70s$1,301


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.

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

All American Insurance, Inc.

4601 S 50th St Ste 211 Omaha, NE 68117

Insurance Planning Associates LLP

11720 W. Dodge Rd Omaha, NE 68154

The Insurance Center, Inc

5015 Underwood Ave Omaha, NE 68132

Dross Sterba Insurance Agency

4328 S 24th St Omaha, NE 68107

Joe Vukov Real Estate & Insurance

3415 L St Omaha, NE 68107

Daniel J. Clark Insurance Agency

6010 Wenninghoff Rd Omaha, NE 68134

Oracle Insurance

9840 S 168TH AVE OMAHA, NE 68136

Dunbar-Peterson Insurance Agency

1902 Howard St Omaha, NE 68102

Best Insurance Services

7300 F St. #7 Omaha, NE 68127

Peterson Bros. Insurance, Inc.

13939 Gold Circle, Suite 200 Omaha, NE 68144

NFIA dba Auto Insurance Mart

1913 Military Ave. Omaha, NE 68111

First Insurance Group

1620 Dodge Omaha, NE 68197

Paisano Insurance, LLC

4810 S 24th St Ste 8 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

Not sure about Omaha

Check out these other Nebraska cities...

Lincoln

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:

Omaha Car Insurance

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.

Garage doors damaged

Only file a claim if the damages are so bad that you couldn'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.

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.