Here you’ll learn everything you need to know to buy the best car insurance policy in Omaha for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and what the average car insurance rates are for your neighborhood.

You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for Omaha drivers are affected by tickets, accidents and adding teen drivers.

Key Highlights
  • Geico Gen Ins Co has the cheapest car insurance rates in Omaha, based on CarInsurance.com's rate analysis for three different coverage levels.
  • In Nebraska comprehensive costs $292 and collision costs $589, on an average per year, according to a rate data analysis done by CarInsurance.com.
  • ZIP 68111 has the highest average rate of $1,904 annually in Omaha for a full coverage policy of 100/300/100 for a driver aged 30.
  • You can save an average of $1,108 a year on a full coverage policy in Omaha by comparing price quotes from different car insurance companies, according to CarInsurance.com's rate analysis.

Who Has The Best Car Insurance in Omaha, NE?

Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some it may be price, while others may value customer service the most. Still others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts.

Below we list car insurance companies in Omaha, and who they are the best at serving, based on CarInsurance.com’s customer satisfaction survey of current policy holders and rate data analysis.

Best forCompany
ClaimsNationwide
Value/PriceThe Auto Club Group (ACG) - AAA
Customer ServiceThe Auto Club Group (ACG) - AAA
Websites/AppsThe Auto Club Group (ACG) - AAA
RecommendThe Auto Club Group (ACG) - AAA
Low Annual MileageState Farm Mutual Auto
Good StudentMid-Century Ins Co
BundleMid-Century Ins Co
Paid in FullProgressive Northern

Cheap Car Insurance in Omaha, Nebraska

Geico Gen Ins Co and Progressive Northern Ins Co have the cheapest car insurance rates in Omaha, based on our rate analysis for three different coverage levels. The driver profile is for age 30, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below

CompanyLiability Only - State Minimum BI/PDLiability Only - 50/100/50 BI/PDFull Coverage - 100/300/100 BI/PD - 500 Comp/Coll
Geico Gen Ins Co$348$384$1,299
Progressive Northern Ins Co$380$426$1,306
State Farm Mut Auto Ins Co$446$507$1,387
Allstate Fire & Cas Ins Co$650$710$1,959
Amco Ins Co$712$717$1,417
Mid Century Ins Co$885$944$2,095

Car Insurance Coverage – How Much Car Insurance do I Need in Omaha?

Below we’ll explain what coverage you need to drive legally, which is your state required minimum liability limits, and what types of car insurance you may need to be truly protected.

Minimum Car Insurance Requirements in Omaha

Nebraska car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.

If you have a newer model car, it makes sense to get comprehensive insurance and collision coverage. In Nebraska, comprehensive costs $292 and collision costs $589, on an average per year, according to a rate data analysis done by CarInsurance.com.

These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy.

To protect your assets, you should buy liability insurance in the following amounts:

  • $1,00,000 to pay for others’ medical bills
  • $3,00,000 to pay for injuries to others in an accident you cause
  • $1,00,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

The average rate for Omaha drivers for a year of minimum coverage is $582 according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just about $4 more a month, or $47 more a year.

You can get full coverage (100/300/100) by paying $83 more a month, or an additional $998 a year more than minimum-level coverage.

Omaha average for:

  • Minimum coverage: $582
  • 50/100/50: $629
  • 100/300/100: $1,580

Average Car Insurance Rates in Omaha

CarInsurance.com analyzed car insurance rates from six car insurance companies for nearly every ZIP code in Nebraska. Here's how Omaha's highest average rate $1,904 for ZIP 68111 compares to others, for a full coverage policy of 100/300/100 for a driver age 30:

  • $508 more than the least expensive average rate $1,396 in ZIP code 68118
  • $1,195 more than the state average $1,493
  • $925 more than the national average rate $1,763

Compare Car Insurance Quotes in Omaha – How to Save on Insurance Policy?

You can save an average of $1,108 annually on a full coverage policy in Omaha by comparing car insurance quotes, according to CarInsurance.com's rate analysis. While savings will depend on your particular circumstances, this shows that there is a significant benefit to shopping your policy.

Why Does Comparing Car Insurance Quotes Save Money?

No two insurance companies will charge the same amount of money for the same policy. So if you compare car insurance quotes and opt for the lowest, you won’t over pay. For example, the highest rate from any carrier surveyed for ZIP code 68111 , the priciest ZIP code Omaha car insurance, was $2,688 .

The lowest was $1,564. The difference is $1,124, which is how much you could overpay. That’s why car insurance comparisons are paramount to finding the best cheap car insurance for your situation.