Cheapest Car Insurance In Omaha, NE 2024
At an average of $37 per month, GEICO provides the least expensive minimum car insurance coverage in Omaha.
We’ve saved shoppers an average of $600 per year on their car insurance.
Exploring car insurance in Omaha, NE, shows that prices for coverage can differ quite a bit.
When it comes to liability-only policies, GEICO offers the cheapest rates. Progressive is the best value for full coverage, while young drivers will find the most savings with State Farm.
Cheapest Car Insurance Companies In Omaha, NE
Cheapest Liability-only Car Insurance In Omaha: Cincinnati
In Omaha, GEICO stands out as the most budget-friendly choice for minimum coverage, at just $37 a month on average.
Compare rates from different insurance providers by using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Omaha: Auto-Owners
At $92 per month on average, Progressive offers the cheapest full coverage car insurance in Omaha.
Below is a comparison of average auto insurance rates from reasonably priced insurers in Omaha.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
State Farm stands out for offering seniors in Omaha the most budget-friendly car insurance at $87 a month on average.
The chart below presents average quotes from low-cost auto insurance providers for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Omaha For Teenagers: Nationwide
Omaha teens can secure the lowest car insurance rates with State Farm, where premiums average $313 monthly.
Below is a chart showing the insurance providers with the lowest rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Omaha: Travelers
For young adults in Omaha, State Farm delivers the lowest car insurance rates, averaging $238 monthly.
The table presents the cheapest auto insurance rates for young adults in Omaha, making it easy to compare.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Omaha For Good Drivers: Cincinnati
Good drivers in Omaha can save with GEICO, which offers car insurance at an average rate of $37 per month.
The following table provides average quotes from the most cost-effective insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Omaha rates
Cheapest Car Insurance In Omaha After A Speeding Ticket: Auto-Owners
Drivers with a speeding ticket can find affordable coverage with State Farm in Omaha, where the average rate is $176 per month.
The following table provides the average rates for drivers with a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
State Farm is the most affordable option for drivers with an at-fault accident, offering average monthly rates of $193.
Check out the list below for the car insurance companies with the lowest rates for drivers who’ve had an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Omaha For Drivers After A DUI: State Farm
With an average monthly rate of $188, State Farm is the most affordable insurance option for drivers in Omaha who have a DUI.
Below, you’ll find the lowest rates for Omaha drivers with a DUI, according to the table.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Omaha
AAA California provides the best rates for Omaha drivers, with insurance costing $83 a month. Progressive and GEICO are close behind at $90 and $93 a month.
The table below ranks the top 10 car insurance companies in Omaha, NE, by their average monthly rates.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Cost Of Auto Insurance In Omaha – By Zip Code
Since zip codes reflect local crime statistics, they are used by insurers to determine different car insurance rates across regions.
Refer to the table below to compare average insurance rates across various Omaha zip codes.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
Average Auto Insurance Rates In Omaha – By Age
Car insurance rates are largely determined by age. Younger drivers, such as teenagers, often face higher premiums due to their lack of experience and increased risk of traffic violations and accidents. Teens can expect to pay an average of $7,599 per year.
When drivers hit 25, their car insurance rates often begin to lower, as long as they have a clean driving history.
Drivers in their 50s and early 60s tend to benefit from the most competitive insurance premiums, as age helps insurers evaluate both experience and risk, which directly affects rates.
| Age | Average Yearly Rate |
| Teenagers | $3,040 |
| 20s | $2,100 |
| 30s | $1,500 |
| 40s | $1,584 |
| 50s | $1,438 |
| 60s | $1,198 |
| 70s | $1,366 |
Average Rates In Omaha – By Vehicle
The type of car you own—its make, model, year, and body type—affects your insurance rates. Typically, luxury cars or newer models with expensive technology and higher replacement costs come with higher premiums.
The table below provides the average insurance premiums in Omaha for various vehicles.
| Vehicle | Average Monthly Rate |
| Ford F150 | $100 |
| Dodge Durango | $244 |
| Chrysler 300 | $204 |
| Hyundai Sonata | $64 |
How Much Is Car Insurance In Other Cities In Nebraska?
The city you call home can have a big impact on your car insurance premiums. Insurance companies take into account the likelihood of accidents, theft, and vandalism, which are typically higher in city areas, resulting in more expensive coverage.
In Los Angeles, the average car insurance rate is approximately $243 per month, whereas in San Diego, it’s around $176 per month.
| City | Average Monthly Rate |
| Lincoln | $118 |
| North Platte | $88 |
| Omaha | $140 |
| Oshkosh | $92 |
| Bellevue | $130 |
| Blair | $140 |
| Columbus | $106 |
| Fremont | $108 |
| Grand Island | $110 |
| Hastings | $112 |
Find affordable Omaha rates
Our Methodology
Drawing from an analysis of various aspects like customer satisfaction, pricing, product availability, and reviews from multiple sources, I've created an in-depth guide to car insurance providers in Omaha, NE.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Omaha?
GEICO provides the most budget-friendly rates for minimum coverage in Omaha, while Progressive is the top choice for full coverage, offering both comprehensive and collision protection.
What is the average cost of car insurance in Omaha?
The average monthly rate for car insurance in Omaha is $180, but this can fluctuate based on your zip code, car type, driving history, and other factors.
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