Car Insurance in Omaha

Premiums in Omaha, which exceed the state average by 10%, are known for being costly. So it is especially critical to cut costs while insuring a vehicle in Omaha. Why don't we go over some tips on how to save on car insurance in Omaha?

  • City Average: $1,301
  • State Average: $1,184
  • National Average: $1,427

Omaha Car Insurance by Accident or Violation History

Knowing which driving mishaps can make your insurance rates spike will help you make better decisions and save money. A DUI will increase your car insurance premiums more than other driving violations. Usually, a DUI in Omaha will cost you 70% more in car insurance premiums versus the city average of $1,301. Reckless driving will bump your premiums up as well, with average rates of $2,144! The amount of damage that results from an at-fault accident impacts insurance rates. 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.

  • DUI: $2,210
  • Reckless Driving: $2,144
  • At-fault Accident (damages less than $1000): $1,798
  • At-fault Accident (damages greater than $2000): $1,990
  • Speeding Ticket (16-20 mph over speed limit): $1,549

Omaha Car Insurance by Credit Rating

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly double. Shifting from Very Poor (300-579) to Fair (580-669) brings in the most notable drop in premiums, as drivers save approximately $312 per year.

  • Very Poor: $2,240
  • Fair: $1,895
  • Good: $1,583
  • Very Good: $1,351
  • Exceptional: $1,136

Omaha Car Insurance by Gender and Marital Status

Both gender and marital status are among the various driver characteristics that can play a part in car insurance premiums in Omaha. However, males have premiums that are only a bit cheaper than those for females. Being single, as opposed to married, can cost you $117 more per year. Rates for those who are widowed are moderately cheaper than rates for those who are single.

  • Female: $1,307
  • Male: $1,301
  • Single: $1,301
  • Married: $1,184
  • Divorced: $1,301
  • Widowed: $1,259

Omaha Car Insurance by Age

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest rates among any age group, with rates of $1,136. People in their 60s ($1,151) aren’t paying significantly more. With average car insurance payments of $5,123, teenage drivers have the highest rates amongst all the age groups. The most significant decline in premiums between any age group is from the teenage age range to the 20s, as drivers in Omaha start seeing a reduction in premiums of 65%. Insurance rates for drivers in Omaha continue to shrink through their 50s, but they can expect to pay more when they turn 60.

  • Teenagers: $5,123
  • 20s: $1,788
  • 30s: $1,275
  • 40s: $1,233
  • 50s: $1,136
  • 60s: $1,151
  • 70s: $1,408

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

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

Car Insurance Companies in Omaha

Find Local Omaha Agents

Joe Vukov Real Estate & Insurance

3415 L St Omaha, NE 68107

Peterson Bros. Insurance, Inc.

13939 Gold Circle, Suite 200 Omaha, NE 68144

Dross Sterba Insurance Agency

4328 S 24th St Omaha, NE 68107

First Insurance Group

1620 Dodge Omaha, NE 68197

Skyline Insurance

6939 L St Omaha, NE 68117

Paisano Insurance, LLC

4810 S 24th St Ste 8 Omaha, NE 68107

Best Insurance Services

7300 F St. #7 Omaha, NE 68127

NFIA dba Auto Insurance Mart

1913 Military Ave. Omaha, NE 68111

All American Insurance, Inc.

4601 S 50th St Ste 211 Omaha, NE 68117

The Insurance Center, Inc

5015 Underwood Ave Omaha, NE 68132

Oracle Insurance

9840 S 168TH AVE OMAHA, NE 68136

Insurance Planning Associates LLP

11720 W. Dodge Rd Omaha, NE 68154

Accolade Insurance, LLC

7431 Pacific St Omaha, NE 68114

Davis Insurance Agency, Inc.

1313 Cuming St., Ste 200 Omaha, NE 68102

Daniel J. Clark Insurance Agency

6010 Wenninghoff Rd Omaha, NE 68134

Dunbar-Peterson Insurance Agency

1902 Howard St Omaha, NE 68102

See All

Not sure about Omaha

Check out these other Nebraska cities...

Lincoln

$1,215

The average Omaha resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

194

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

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Omaha Car Insurance

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