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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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
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
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
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Omaha Car Insurance
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