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 Average||State Average||National Average|
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/Gender||Average Rate|
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
|Credit||Average Auto Insurance Rate|
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
|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
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
Daniel J. Clark Insurance Agency
6010 Wenninghoff Rd, Omaha, NE 68134
Paisano Insurance, LLC
4810 S 24th St Ste 8, Omaha, NE 68107
First Insurance Group
1620 Dodge, Omaha, NE 68197
Accolade Insurance, LLC
7431 Pacific St, Omaha, NE 68114
The Insurance Center, Inc
5015 Underwood Ave, Omaha, NE 68132
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
Davis Insurance Agency, Inc.
1313 Cuming St., Ste 200, Omaha, NE 68102
Dross Sterba Insurance Agency
4328 S 24th St, Omaha, NE 68107
Best Insurance Services
7300 F St. #7, Omaha, NE 68127
9840 S 168TH AVE Ste 3, OMAHA, NE 68136
All American Insurance, Inc.
4601 S 50th St Ste 211, Omaha, NE 68117
Joe Vukov Real Estate & Insurance
3415 L St, Omaha, NE 68107
Insurance Planning Associates LLP
11720 W. Dodge Rd, Omaha, NE 68154
Peterson Bros. Insurance, Inc.
13939 Gold Circle, Suite 200, Omaha, NE 68144
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