Who Has the Cheapest Auto Insurance Rates in Omaha, NE?
Farmers Mutual of Nebraska has the cheapest car insurance in Omaha, at $24 per month for minimum coverage and $109 per month for full coverage.
Compare Car Insurance Rates in Omaha, Nebraska
Best cheap car insurance companies in Omaha, NE
To help you find the best cheap car insurance in Omaha, ValuePenguin compared thousands of car insurance quotes from the top companies in Nebraska. We ranked the cheapest companies and rated them based on factors like coverage, cost and customer service.
Minimum liability quotes meet the Nebraska state minimum requirements of $25,000 in bodily injury liability per person, $50,000 per accident and $25,000 in property damage coverage, plus the same limits for uninsured motorist bodily injury. Full-coverage quotes have higher liability limits, plus comprehensive and collision coverage.
Cheapest car insurance in Omaha: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the best rates for full coverage in Omaha, at $109 per month. While full coverage costs an average of $151 per month in Omaha, if you buy a full-coverage policy from Farmers Mutual, you'll pay 28% less.
Prices at USAA are even lower, at just $96 per month. But you're only eligible if you've served in the U.S. military or your spouse or parent has had a USAA insurance policy at some point.
Compare Car Insurance Rates in Omaha, Nebraska
Cheapest full-coverage car insurance in Omaha
Company | Monthly rate | |
|---|---|---|
| Farmers Mutual of Nebraska | $109 |
| Farm Bureau | $132 |
| Nationwide | $134 |
| State Farm | $134 |
| American Family | $135 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance in Omaha: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the cheapest widely available rates for minimum liability coverage insurance in Omaha. Farmers Mutual policies in Omaha cost $24 per month, which is 57% less expensive than the Omaha city average.
Cheapest minimum coverage car insurance quotes in Omaha, NE
Company | Monthly rate | |
|---|---|---|
|
| Farmers Mutual of Nebraska | $24 |
|
| Farm Bureau | $42 |
| Progressive | $49 |
|
| American Family | $50 |
|
| State Farm | $51 |
*USAA is only available to current and former military members and their families.
Compare Car Insurance Rates in Omaha, Nebraska
Cheapest car insurance for young drivers: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska is Omaha's best option for young drivers looking for cheap insurance. At just $58 per month for liability-only coverage, or $223 per month for full coverage, its prices are at least 50% cheaper than the citywide average.
Cheapest car insurance for young Omaha drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farmers Mutual of Nebraska | $58 | $223 |
| Farm Bureau | $146 | $334 |
| American Family | $158 | $341 |
| State Farm | $170 | $407 |
| Allstate | $216 | $428 |
Eighteen-year-old drivers in Omaha pay rates that are almost three times as expensive as the rates paid by 30-year-old drivers. Since they're new to the road and less adept at evaluating risk, teenage drivers get into accidents far more often than experienced adult drivers and are quoted higher rates because of it.
For this reason, young drivers should stay on their parents' insurance if they can. Car insurance discounts, such as a telematics program or a good student discount, are another way teen drivers can help make their rates more affordable.
Cheapest car insurance for drivers with a speeding ticket: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the best full-coverage rates for drivers in Omaha who have been caught speeding. Its typical rate of $119 per month is 35% less than the average Omaha price of $184 per month.
Cheapest car insurance in Omaha with a speeding ticket
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $119 |
| American Family | $135 |
| State Farm | $146 |
| Farm Bureau | $150 |
| Nationwide | $201 |
Getting a speeding ticket increases the cost of auto insurance for Omaha drivers by $33 per month. While no one wants to see their rates go up, it's worth noting that speeding tickets have less impact on your insurance than an at-fault crash, DUI or credit score drop.
Cheapest car insurance in Omaha after an accident: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska has the best rates for drivers with an at-fault accident on their records. Farmers Mutual charges Omaha drivers $133 per month on average — 41% less than the city average, which is $213 per month.
Rates in Omaha increase by 41% after an at-fault accident. You should always compare rates whenever your driving record changes to be sure that you're getting the best deal.
Cheapest car insurance in Omaha after an accident
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $133 |
| State Farm | $157 |
| American Family | $159 |
| Farm Bureau | $209 |
| Nationwide | $233 |
Cheapest car insurance for drivers with a DUI: American Family
American Family and State Farm have the best rates for drivers with a citation for driving under the influence on their records. AmFam charges just $135 per month, while State Farm's typical price is $145.
Both companies' rates are more than 30% cheaper than the average rate overall. A DUI is usually among the more serious offenses drivers can commit, with insurers raising rates by 40% on average.
Cheapest car insurance with a DUI in Omaha
Company | Monthly rate |
|---|---|
| American Family | $135 |
| State Farm | $145 |
| Farm Bureau | $150 |
| Progressive | $179 |
| Farmers Mutual of Nebraska | $216 |
Insurers may also deny you coverage altogether after a DUI or similar offense. If you're having trouble getting coverage, you may need to consider a company that offers insurance to high-risk drivers.
Cheapest car insurance for drivers with poor credit: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska is the most affordable insurer for Omaha drivers with poor credit. Farmers Mutual customers pay $157 per month for full coverage, which is 46% less than the city average.
Cheapest car insurance for Omaha drivers with poor credit
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $157 |
| Nationwide | $207 |
| American Family | $233 |
| Farm Bureau | $251 |
| Allstate | $301 |
You could be a very safe driver, but if you have a low credit score, insurers will treat you as a high-risk driver and charge you steeper rates. This is because people with a bad credit score are more likely to file a claim in the future.
Cheapest car insurance for married drivers: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska offers married drivers the cheapest rates of the insurers in our study, even though the company offers married and single drivers the same rates. Progressive also offered competitive rates, at $117 per year.
Cheapest car insurance for married couples in Omaha
Company | Monthly rate |
|---|---|
| Farmers Mutual of Nebraska | $89 |
| Progressive | $117 |
| Nationwide | $121 |
| Farm Bureau | $127 |
| State Farm | $135 |
Married drivers tend to make fewer claims than single drivers, causing insurers to offer them slightly lower rates to reflect their decreased risk. In Omaha, married drivers pay 9% less on average than single drivers; ValuePenguin's analysis found that full coverage costs about $137 per month if you're married.
Best car insurance companies in Omaha
State Farm and USAA are the best-rated car insurance companies.
These two companies both consistently earn high marks from their customers, with a straightforward claims experience and knowledgeable staff.
However, USAA is only available to people who have served in the military and their families. Other car insurance shoppers won't be able to apply.
Company |
Editor's rating
|
|---|---|
| State Farm | |
| USAA | |
| Farm Bureau | |
| Nationwide | |
| American Family | |
| Farmers | |
| Allstate | |
| Progressive | |
| Farmers Mutual of Nebraska | NR |
Average car insurance cost in Omaha, by ZIP code
The most expensive area in Omaha for car insurance is North Omaha, where the typical price is $183 per month. That's 34% more expensive than the cheapest area, La Vista.
Car insurance costs can change based on where you live. For example, you might pay more if your neighborhood has narrow roads that are in bad shape, or less if there's very little crime near you.
ZIP code | Average monthly cost | % from average |
|---|---|---|
| 68022 | $142 | -6% |
| 68102 | $170 | 13% |
| 68104 | $170 | 13% |
| 68105 | $160 | 6% |
| 68106 | $146 | -3% |
What's the best car insurance coverage in Omaha?
A minimum-coverage policy includes the lowest possible limits you can legally carry, making it the most affordable form of auto insurance. But it is also the most likely to leave you financially exposed if you're in a car accident.
ValuePenguin recommends full coverage to most drivers, and particularly to young drivers or drivers of new cars. Full coverage includes liability insurance, as well as collision and comprehensive coverage.
- Comprehensive coverage: Covers damage resulting from "acts of God," such as trees falling or natural disasters, theft and vandalism, as well as other non-collision damage.
- Collision coverage: Covers damage that results from a crash with another vehicle or a stationary object.
Methodology
To find the best cheap car insurance in Omaha, Neb., we collected quotes from nine of the most popular insurance companies in Nebraska. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full-coverage policies include comprehensive and collision coverage, plus higher liability limits than the state requires.
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.