)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
)
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
Auto-Owners is the cheapest option for liability insurance in Omaha, averaging $51 per month.
Omaha drivers pay an average of $91 per month for liability insurance and $159 per month for full coverage.
Nationwide, State Farm, and Progressive top our list of the best car insurance companies in Omaha.
Cheapest Car Insurance in Omaha by Driver and Coverage Type
Your age, driving history, vehicle type, and car insurance coverage selections can make your premium higher or lower.[1] The overall average for Omaha drivers won’t give you the clearest idea of how much you’ll pay for coverage. It’s a good idea to compare prices for drivers like you — with a similar age, driving record, and coverage level — for a better sense of what you may pay.
The table below shows the cheapest car insurance companies for different driver profiles in Omaha, based on Compare.com data.
Driver or Coverage Type | Cheapest Insurer |
|---|---|
| State-minimum coverage | Auto-Owners |
| Full coverage | Auto-Owners |
| Drivers with a speeding ticket | Auto-Owners |
| Drivers with an at-fault accident | Auto-Owners |
| Drivers with a DUI | Auto-Owners |
| Teens | Auto-Owners |
| Seniors | Auto-Owners |
| Drivers with excellent credit | Auto-Owners |
| Drivers with poor credit | Auto-Owners |
The Overall Cheapest Car Insurance in Omaha
Finding the cheapest car insurance starts with comparing rates from top car insurance companies in Omaha. The insurers in the table below offer the lowest average liability coverage quotes in the area, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $51 |
| National General | $69 |
| American Family | $71 |
| USAA | $79 |
| Root | $81 |
| GEICO | $82 |
| Allstate | $86 |
| Safeco | $86 |
| State Farm | $88 |
| AssuranceAmerica | $96 |
| The General | $101 |
| Foremost | $107 |
| Bristol West | $110 |
| Nationwide | $119 |
| Dairyland | $125 |
| Liberty Mutual | $137 |
| Farmers | $146 |
| Shelter | $150 |
Cheapest Liability Car Insurance in Omaha: Auto-Owners
Nebraska has state-minimum insurance requirements for all drivers. The required liability coverage pays for injuries and damage you cause to others, but it doesn’t cover your own medical bills or car repairs. This minimum coverage may work well if your car isn’t worth much anymore or you want to keep your car insurance costs down.
In Omaha, the average cost of liability insurance is $91 per month. You’ll find the cheapest premiums from the companies below, according to our data.
Cheapest Liability Rates by Company
Nebraska requires all drivers to have car insurance, just as most states do. State law spells out specific minimum coverage limits you must have to drive legally.
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Uninsured/underinsured (UM/UIM): $25,000 per person and $50,000 per accident[2]
This last coverage type matters. Even though Nebraska has some of the lowest rates of uninsured drivers, plenty of people on the road don’t have enough insurance (or any at all). If they hit you, UM/UIM coverage protects you.[3]
Cheapest Full-Coverage Car Insurance in Omaha: Auto-Owners
A full-coverage policy includes collision and comprehensive coverage, which covers damage to your car from things like crashes, weather, theft, or even hitting a deer on the highway. If you want insurance coverage that protects your vehicle, as well as the other driver’s, full coverage makes sense. Your lender may also require it if you’re financing or leasing your vehicle.
The average full-coverage premium in Omaha is $159 per month. These five insurance companies are Omaha’s cheapest options, according to Compare.com data.
Cheapest Full-Coverage Rates by Company
Cheapest Car Insurance for Teen Drivers: Auto-Owners
Teen drivers pay more for car insurance because they have less experience than older drivers. Teens are nearly four times more likely to crash than drivers aged 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[4]
On average, car insurance for teens in Omaha costs $257 per month. It’s costly, but shopping around and asking about young driver discounts can help you save money.
Below, you can see the cheapest companies for teens in Omaha, based on our data.
Cheapest Rates for Teens
Cheapest Car Insurance for Senior Drivers: Auto-Owners
Senior drivers usually get the best car insurance quotes, thanks to their years of driving experience. The average senior driver in Omaha spends about $102 per month on car insurance, based on our data.
But even with low rates, comparing car insurance matters. Saving a few dollars each month on insurance coverage can add up to big savings over time.
Here are the five cheapest Omaha insurers for senior drivers, according to Compare.com data.
Cheapest Rates for Seniors
The Cheapest Car Insurance for Drivers by Driving Record
A speeding ticket, accident, or DUI can increase your car insurance premiums at renewal because they point to a higher chance of future claims. Nebraska makes one exception: If you have an accident with a driver who’s had their license suspended for not having insurance, your insurer can’t raise your rate as long as the other driver was clearly at fault.[5]
If you have a violation on your driving record, the table below lists the companies that offer the lowest prices, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $66 |
| National General | $86 |
| American Family | $92 |
| USAA | $102 |
| GEICO | $107 |
| Root | $108 |
| State Farm | $111 |
| Allstate | $112 |
| Safeco | $114 |
| AssuranceAmerica | $123 |
| The General | $135 |
| Bristol West | $138 |
| Nationwide | $154 |
| Dairyland | $157 |
| Liberty Mutual | $176 |
| Farmers | $187 |
| Shelter | $199 |
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $67 |
| National General | $92 |
| American Family | $95 |
| USAA | $105 |
| GEICO | $106 |
| Root | $107 |
| Allstate | $114 |
| State Farm | $116 |
| Safeco | $121 |
| AssuranceAmerica | $128 |
| The General | $139 |
| Bristol West | $145 |
| Nationwide | $159 |
| Dairyland | $165 |
| Liberty Mutual | $183 |
| Farmers | $194 |
| Shelter | $200 |
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $71 |
| National General | $95 |
| American Family | $98 |
| USAA | $109 |
| GEICO | $112 |
| Root | $112 |
| Allstate | $119 |
| State Farm | $122 |
| Safeco | $127 |
| AssuranceAmerica | $133 |
| The General | $140 |
| Bristol West | $152 |
| Nationwide | $165 |
| Dairyland | $173 |
| Liberty Mutual | $190 |
| Farmers | $202 |
| Shelter | $207 |
Cheapest Car Insurance for Drivers by Credit
Nebraska car insurance companies can use your credit history when setting rates. Insurers believe people with spotty credit histories may file more claims.[6] This can create a gap in insurance costs. Drivers with excellent credit pay an average of $113 per month, while drivers with poor credit pay an average of $156 per month.
Some companies don’t check your credit, and a few offer great rates regardless of your history.
The companies below offer the lowest rates for Omaha drivers with both excellent and poor credit, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $41 |
| American Family | $62 |
| National General | $62 |
| GEICO | $68 |
| USAA | $70 |
| Root | $72 |
| State Farm | $75 |
| Allstate | $76 |
| Safeco | $78 |
| AssuranceAmerica | $85 |
| The General | $90 |
| Bristol West | $100 |
| Nationwide | $107 |
| Dairyland | $111 |
| Liberty Mutual | $113 |
| Farmers | $128 |
| Shelter | $132 |
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $75 |
| American Family | $85 |
| National General | $85 |
| USAA | $96 |
| Root | $100 |
| GEICO | $101 |
| Allstate | $106 |
| Safeco | $106 |
| AssuranceAmerica | $119 |
| The General | $125 |
| State Farm | $126 |
| Bristol West | $136 |
| Nationwide | $147 |
| Dairyland | $154 |
| Liberty Mutual | $164 |
| Farmers | $180 |
| Shelter | $185 |
How to Get the Cheapest Car Insurance in Omaha
)
Finding the best rate means using every tool available. Car insurance comparison sites are a good place to start.
Here are a few other strategies that can help you save on coverage:
Bundle your policies. Combine car insurance with homeowners insurance or renters insurance to qualify for multi-policy savings.
Use telematics programs. Telematics programs base premiums on how you drive. Safer driving habits can equal big savings.
Keep a clean driving record. Avoid tickets and accidents, as every violation can bump up your rates.
Compare quotes at least once per year. Prices change frequently, and switching car insurance companies might get you a better deal.
Our Picks for the Best Auto Insurance in Omaha
Cheap car insurance quotes are important, but they may not suffice if the company doesn’t follow through when you file a claim. The best insurance companies offer affordable rates and solid service.
No single company is the right fit for everyone, so we chose the top three to help you narrow your search. These insurers offer a good mix of competitive rates, available discounts, customer ratings, and motorist coverage options.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $134/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm gives you local service and big savings if you have safe driving habits.[7] With 44 insurance agents throughout Omaha, you can sit down with someone in person if that’s how you prefer to handle insurance. The company also offers online options to manage your policy, earning an above-average ranking for customer digital experience.[8]
Many local agents
Telematics discounts of up to 30%
Flexible bundling discounts
Claims experience varies
Gap insurance not available
Rates can increase with Drive Safe & Save
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $170/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive leans into digital policy management, but it also has several insurance agencies in Omaha for personalized service. It’s a large company — No. 2 by market share behind State Farm[9] — and has a solid financial rating from AM Best. Plus, add-ons like custom parts and equipment, as well as the Deductible Savings Bank, allow you to customize your auto policy.[10]
Many discounts for teen drivers
Unique add-ons to personalize policy
Many local agents
Some reports of rates rising after quotes
Claims handling needs improvement
New car replacement coverage not available
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $181/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide gives you the best digital experience if you prefer to manage quotes, payments, and claims online.[8] Accident forgiveness can keep your rate from increasing after your first at-fault accident. Your deductible also drops for each year that you’re a safe driver.[11] If you do file a claim, you’ll likely have a smooth experience, as Nationwide has a high claims satisfaction score.[12]
Highest score for digital experience
Top-notch claims service
Accident forgiveness and vanishing deductible available
Service quality varies
Few specialized add-on coverages
Limited discount options
Omaha Auto Insurance FAQs
The following information can help answer your remaining questions about finding car insurance in Omaha.
How much is car insurance in Omaha?
Omaha car insurance costs an average of $125 per month, based on our data. Liability coverage costs $91 per month, on average. Full coverage costs a bit more, averaging $159 per month.
What’s the cheapest auto insurance company in Omaha?
Auto-Owners offers the cheapest car insurance in Omaha. The company charges an average of $51 per month for a policy that meets the state’s minimum liability requirements, based on our data.
What’s the best car insurance company in Omaha?
It depends. The best car insurance in Omaha depends on your insurance needs. Nationwide offers excellent digital tools for drivers who prefer being in control of their policy. Progressive has specialized coverages. State Farm has flexible bundling options.
Is car insurance in Omaha expensive?
The average car insurance rate in Omaha is $125 per month, compared to the Nebraska state average of $100 per month and the national average of $137 per month. That said, your quotes will depend on your driving behavior, age, credit history, and more.
Is minimum coverage enough in Omaha?
Most experts agree that minimum coverage isn’t enough to protect drivers. If the claims costs are more than your policy limit, you’re on the hook for the difference.
What is the cheapest car insurance in Nebraska?
Liability coverage is the cheapest car insurance in Nebraska. To make sure you get the best deal, compare prices from at least three different insurers. A car insurance comparison site can simplify shopping around.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Nebraska Department of Insurance. "Auto insurance Guidebook."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Institute for Highway Safety. "Teenagers."
- Nebraska Legislature. "Nebraska Revised Statute 44-3,128."
- Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
- State Farm. "Save with Drive Safe & Save®."
- J.D. Power. "Auto Insurer Websites and Apps Become Battleground for New Customers as Policy Shopping Activity Skyrockets, J.D. Power Finds."
- National Association of Insurance Commissioners. "2024 Top 25 Groups and Companies by Countrywide Premium."
- Progressive. "Car Insurance Coverages."
- Nationwide. "Auto insurance."
- J.D. Power. "Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds."
)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
)
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
)
)