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 AverageState AverageNational Average
$1,301$1,184$1,427


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
Incident/ViolationAverage 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 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/GenderAverage Rate
Female$1,307
Male$1,301
Single$1,301
Married$1,184
Divorced$1,301
Widowed$1,259


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


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 ScoreAverage 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

2
Major Highways
I-80 U.S. 75 I-680
2
Public Transit
Metro Bus MOBY
2
Popular Day Trips
Grand Island Sioux Falls Atchison

Car Insurance Companies in Omaha

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

Skyline Insurance

6939 L St Omaha, NE 68117

All American Insurance, Inc.

4601 S 50th St Ste 211 Omaha, NE 68117

Oracle Insurance

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

See All

Not sure about Omaha

Check out these other Nebraska cities...

Lincoln

2

$1,215

The average Omaha resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

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194

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

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Omaha Car Insurance

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