The Cheapest Car Insurance Quotes In Omaha, NE For 2024

In Omaha, American National is recognized for providing the cheapest choice, typically priced at around $22 per month.

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Written by Bob Phillips
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If you’re searching for affordable car insurance in Omaha, NE, you’ve got plenty of options to explore. One standout choice is American National, known for its competitive rates. On average, folks in Omaha pay about $22 each month for car insurance with American National, which is significantly lower than the state average of $122.

If you’re after basic liability coverage at a great price, American National is the way to go. But if you need more comprehensive protection, Farmers Mutual of Nebraska is worth considering, offering full coverage plans for around $115 monthly. And for young drivers, USAA is a top contender, with rates starting at just $140 per month.

Cheapest Car Insurance Companies In Omaha, NE

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Cheapest Minimum Coverage - American National
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Cheapest For Full Coverage - Farmers Mutual of Nebraska
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Cheapest For Seniors - American National
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Cheapest For Good Drivers - American National
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Cheapest For Drivers With Prior Incidents - Farmers Mutual of Nebraska
Cheapest Car Insurance, Omaha, NE

Our Methodology

After looking into how customers rate their service, the variety of products they offer, their prices, and carefully reading online reviews and comments, I've gained a good understanding of the auto insurance options in Omaha, Nebraska.

This understanding comes from my 15 years of experience working as a certified insurance agent. During this time, I've talked with many representatives from insurance companies and learned a lot through hands-on experience.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Omaha, NE?

American National offers the cheapest car insurance in Omaha, NE, priced at $140 per month. But when you look at the rates in Nebraska and the whole US, there’s a significant gap in affordability, as shown in the table below.

Area Average Monthly Rate
National $152
Nebraska $122
Omaha, NE $140

Understanding the national average insurance cost involves considering different states with their own price brackets. This includes states like New York, New Jersey, and California, where premiums are high, as well as states like Mississippi, Kentucky, and Wyoming, where costs are lower. Various factors impact insurance prices, including your car type, desired coverage level, location, driving history, and other variables. As a result, the rates you’re quoted can vary considerably based on where you live and your specific situation, including your driving record.

Cheapest Car Insurance Rates In Omaha For Good Drivers

American National provides budget-friendly car insurance quotes for careful drivers living in Omaha, usually around $22 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $32 $382
GEICO $30 $358
Farm Bureau $40 $478
American National $22 $262
Allstate $52 $622

In Omaha, having a clean driving history usually leads to lower car insurance rates. Insurance companies review these records to assess your driving habits and safety. If you’ve had few accidents or traffic violations, it indicates you’re a cautious driver, reducing the likelihood of filing a claim.

Insurance costs are determined by the probability of filing a claim. A pristine driving record signifies lower risk, resulting in significant savings on insurance premiums. It boils down to assessing risk: the better your record, the lower the risk you present, thus making your insurance more affordable.

Cheapest Car Insurance Rates In Omaha For Minimum Coverage

In Omaha, American National provides the cheapest car insurance for basic coverage, usually around $22 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $32 $382
GEICO $30 $358
Farm Bureau $40 $478
American National $22 $262
Allstate $52 $622

A basic auto insurance policy ought to cover these essential types of protection at minimum:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident

Choosing minimal car insurance gives you some protection when you’re driving, but it doesn’t include coverage for collisions or comprehensive incidents like theft or natural disasters. So, if something happens like an accident or your car gets stolen, you won’t be covered.

Also, it’s against the law to drive without insurance in Nebraska. If you’re pulled over by the police and can’t show proof of insurance, you could face penalties such as fines, losing your license, or even harsher punishments.

Cheapest Car Insurance Rates In Omaha For Seniors

American National provides affordable car insurance options specifically designed for older residents of Omaha. The typical monthly rates are approximately $52, making it an economical choice for seniors looking for coverage.

Provider Average Monthly Cost Average Annual Cost
Farm Bureau Mutual $68 $778
Safeco $72 $862
Auto-Owners $75 $898
American National  $52 $622
EMC Insurance $60 $718

In Nebraska, older folks frequently get awesome deals on car insurance for a couple of reasons that work in their favor. While age usually affects insurance prices, it’s crucial to understand that just being older doesn’t mean you’re automatically a riskier driver.

Cheapest Car Insurance Rates In Omaha For Teenagers

Young drivers in Omaha have the opportunity to grab budget-friendly car insurance quotes from Allstate. On average, they might expect to pay around $158 each month for their coverage.

Provider Average Monthly Cost Average Annual Cost
State Farm $250 $2,998
GEICO $172 $2,062
Auto-Owners $182 $2,182
Allstate $158 $1,894
Farmers $215 $2,578

Car insurance tends to cost more for teenagers because they haven’t had as much driving experience. Insurance companies see them as riskier to insure because they’re more likely to have accidents or break traffic rules.

Cheapest Car Insurance Rates In Omaha For Drivers With Prior Incidents

In Omaha, people who have gotten into accidents, speeded, or driven under the influence and have a history of traffic violations might struggle to find cheap car insurance. These actions make insurance companies see them as risky drivers, meaning they’re more likely to make claims in the future. So, to cover potential costs, insurance companies raise their rates for these drivers.

Cheapest Car Insurance Rates In Omaha For Drivers With A Speeding Ticket

Farmers Mutual of Nebraska is renowned for offering lower prices compared to other choices, with average monthly premiums at about $115, making it a cost-effective option in the insurance industry.

Provider Average Monthly Cost Average Annual Cost
American Family $144 $1,726
State Farm $164 $1,966
Nationwide $220 $2,638
Farm Bureau $152 $1,822
Farmers Mutual of Nebraska $115 $1,378

Cheapest Car Insurance Rates In Omaha For Drivers With An At-Fault Accident

Farmers Mutual of Nebraska provides the most affordable auto insurance prices for drivers with accident records, averaging about $125 per month.

Provider Average Monthly Cost Average Annual Cost
Farmers $365 $4,378
Farm Bureau $210 $2,518
Allstate $290 $3,478
American Family $180 $2,158
Farmers Mutual of Nebraska $125 $1,498

Cheapest Car Insurance Rates In Omaha For Drivers After A DUI

American Family stands out as the top choice for drivers who have DUI records, offering the most affordable insurance rates. Typically, people living in Omaha pay around $144 per month for their insurance with this company.

Provider Average Monthly Cost Average Annual Cost
American Family $144 $1,726
Allstate $269 $3,286
Nationwide $280 $3,358
Farmers $360 $4,318
State Farm $147 $1,762

Cheapest Car Insurance Rates In Omaha For Full Coverage

Farmers Mutual of Nebraska provides excellent deals for comprehensive car insurance in Omaha, with typical monthly costs averaging around $115.

Provider Average Monthly Cost Average Annual Cost
Allstate $192 $2,302
GEICO $135 $1,618
Farm Bureau $130 $1,558
Nationwide $153 $1,834
Farmers Mutual of Nebraska $115 $1,378

Full coverage auto insurance offers broad protection that goes beyond what’s legally required. It typically includes comprehensive and collision coverage.

Comprehensive coverage protects against things like theft, vandalism, or natural disasters that don’t involve crashes. Meanwhile, collision coverage handles the costs of fixing your car after accidents, regardless of who’s at fault.

Cheapest Car Insurance Rates In Omaha For Young Adults

USAA offers the best deals on car insurance for young adults living in Omaha. Typically, it costs about $140 each month on average.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $200 $2,398
Farm Bureau $195 $2,338
Allstate $196 $2,350
USAA $140 $1,678
Farmers Mutual of Nebraska $169 $2,026

In Nebraska, car insurance tends to be cheaper for young adults than for teenagers. This is because older folks usually drive more carefully over time, leading to fewer accidents. Numbers show that young adults make fewer insurance claims, showing they’re less likely to get into accidents. So, insurance companies give lower premiums to young adult drivers because they acknowledge their safer driving habits and lower chances of needing to make claims.

 

Best Car Insurance Companies In Omaha

In Omaha, finding the right car insurance isn’t just about getting the cheapest deal. It’s crucial to find a company that gives you both affordable rates and dependable coverage when you’re out on the road. Here are the top 10 car insurance providers in Omaha, Nebraska, listed by their typical monthly costs.

Company Monthly Premium
Dairyland $72
Farm Bureau Mutual (IA Group) $92
USAA $104
EMC Insurance $110
American National P&C $58
American National P $72
Safeco $90
Clearcover $92
Auto-Owners $105
Farmers Mutual of Nebraska $114

Average Car Insurance Rates By Age In Omaha

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

The price you pay for car insurance is heavily impacted by your age. If you’re younger, such as a teenager or young adult, you’ll usually have to shell out more money because insurers see you as more of a risk. This is because younger drivers tend to have less experience behind the wheel and are more likely to get into accidents or break traffic laws. However, once you hit 25 and have a clean driving record, your insurance costs usually go down.

On the other hand, people in their 50s and early 60s often enjoy the best insurance rates. Insurers look at your age to figure out how much driving experience you have and how likely you are to get into an accident. Then, they adjust your premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Omaha

Vehicle Average Monthly Rate
Ford F150 $100
Dodge Durango $244
Chrysler 300 $204
Hyundai Sonata $64

The type of car you own significantly influences your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of your vehicle. Typically, newer and more high-end cars equipped with advanced technology and higher replacement expenses will result in higher insurance premiums.

Conversely, older or more economical cars that are less expensive to repair or replace may have lower insurance rates. Insurers consider these factors because they impact the potential payout for claims – repairing a luxury vehicle usually entails higher costs compared to a standard one. Additionally, certain cars known for their safety features might qualify for discounted insurance rates since they are less prone to accidents or causing injuries.

 

How Much Is Car Insurance For Other Cities In Nebraska?

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

Where you reside can affect how much you pay for car insurance. Insurance companies look at things like how often accidents happen, cars get stolen, and vandalism occurs in your neighborhood. Generally, living in cities means facing greater risks, which results in higher insurance costs for people living there.

FAQs

Who has the lowest car insurance rates in Omaha?

American National offers the cheapest car insurance prices in Omaha, meeting the basic coverage needs of Nebraska. On the other hand, Farmers Mutual of Nebraska is known for providing the most competitive rates for comprehensive insurance, covering both comprehensive and collision.

What is the average cost of car insurance in Omaha?

Typically, car insurance in Omaha runs about $140 each month. But the final price you fork out can differ depending on where you live, what kind of car you drive, how old it is, your driving history, and some other factors.

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