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
$1,301 $1,184 $1,427


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


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
Violation/Incident Average Rate
DUI $2,210
Reckless Driving $2,144
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
Age Average Rate
Teenagers $5,123
20s $1,788
30s $1,275
40s $1,233
50s $1,136
60s $1,151
70s $1,408


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


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

Dunbar-Peterson Insurance Agency

1902 Howard St Omaha, NE 68102

Insurance Planning Associates LLP

11720 W. Dodge Rd Omaha, NE 68154

Peterson Bros. Insurance, Inc.

13939 Gold Circle, Suite 200 Omaha, NE 68144

The Insurance Center, Inc

5015 Underwood Ave Omaha, NE 68132

Best Insurance Services

7300 F St. #7 Omaha, NE 68127

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

NFIA dba Auto Insurance Mart

1913 Military Ave. Omaha, NE 68111

Oracle Insurance

9840 S 168TH AVE OMAHA, NE 68136

Davis Insurance Agency, Inc.

1313 Cuming St., Ste 200 Omaha, NE 68102

Dross Sterba Insurance Agency

4328 S 24th St Omaha, NE 68107

Joe Vukov Real Estate & Insurance

3415 L St Omaha, NE 68107

All American Insurance, Inc.

4601 S 50th St Ste 211 Omaha, NE 68117

Daniel J. Clark Insurance Agency

6010 Wenninghoff Rd Omaha, NE 68134

Skyline Insurance

6939 L St Omaha, NE 68117

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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