How Much Does Car Insurance Cost in Omaha?
Cutting costs while insuring a vehicle in Omaha is important because premiums in Omaha are recognized for being expensive. They generally exceed the state average by 10%. Review our tips to save on Omaha car insurance and save money.
CAR INSURANCE RATES: OMAHA VS. STATE/US MEAN
|City Average||State Average||National Average|
Omaha Auto Insurance With Accidents or Violations
Possessing a clean driving record is crutial if you want to keep your insurance premiums minimal. $909 is the extra cost per year for drivers with a DUI in Omaha, compared to the city average of $1,301. Reckless driving will bump your rates up as well, with typical rates of $2,144! Insurance rates are impacted by at-fault accident history, and more specifically, by the extent of the damage that was done in the accidents. When comparing premiums for drivers with at-fault accidents in Omaha, those with damages exceeding $2,000 pay 11% more than those with damages less than $1,000.
AVERAGE OMAHA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|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 Auto Insurance by Gender and Marital Status
In Omaha, both marital status and gender have an effect on your car insurance premiums. However, females have premiums that are only a bit more pricey than those for males. Being single can cost you roughly $120 more per year compared to being married. Rates for those who are widowed are somewhat 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 Costs by Age Bracket
When drivers hit their 20s in Omaha, therefore moving out of the teenage age range, they save an average of $3,335, the biggest gap between any age group. Rates in Omaha continue to trend downward up until drivers turn 60. Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $5,123. Drivers in their 50s save money on premiums, as they have the smallest rates among all age groups, paying only $1,136 a year. However, those in their 60s ($1,151) aren’t paying much more.
OMAHA AUTO INSURANCE RATES BY AGE
Omaha Car Insurance by Credit Rating
Improving your credit can save you a good chunk of money. Those in the top credit tier (800-850) save an average of $1,104 every year on premiums compared to those in the bottom tier (300-579). The biggest benefit of better credit comes from improving from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $312 per year.
OMAHA AUTO INSURANCE COSTS BY CREDIT TIER
|Credit Score||Average Rate|
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
Paisano Insurance, LLC
4810 S 24th St Ste 8 Omaha, NE 68107
NFIA dba Auto Insurance Mart
1913 Military Ave. Omaha, NE 68111
First Insurance Group
1620 Dodge Omaha, NE 68197
Joe Vukov Real Estate & Insurance
3415 L St Omaha, NE 68107
6939 L St Omaha, NE 68117
All American Insurance, Inc.
4601 S 50th St Ste 211 Omaha, NE 68117
9840 S 168TH AVE OMAHA, NE 68136
Dunbar-Peterson Insurance Agency
1902 Howard St Omaha, NE 68102
Davis Insurance Agency, Inc.
1313 Cuming St., Ste 200 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
Dross Sterba Insurance Agency
4328 S 24th St Omaha, NE 68107
Daniel J. Clark Insurance Agency
6010 Wenninghoff Rd Omaha, NE 68134
Insurance Planning Associates LLP
11720 W. Dodge Rd Omaha, NE 68154
Accolade Insurance, LLC
7431 Pacific St Omaha, NE 68114
The Insurance Center, Inc
5015 Underwood Ave Omaha, NE 68132
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Omaha Car Insurance
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