Table of contents
How much is car insurance in Omaha?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $16 a month more expensive to insure your vehicle in Omaha than it is in the rest of Nebraska.
The average cost of insuring your vehicle in Omaha is above the national rate. The average monthly payment for the rest of the U.S. is about is about $9 cheaper than it is in Omaha.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Omaha to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $79 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates climb back up once you hit retirement in Omaha.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Omaha, male drivers pay about $4 more a month. As you can see in the table above, male drivers in the area typically pay $91 on average, while female drivers typically pay $87 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Omaha, having a single accident on your record will usually get you rates around $117 a month. In addition, drivers with one ticket can expect to pay around $147 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$95|
|15 Years or Older||$88|
In terms of affordable coverage, the cheapest vehicles to insure in Omaha are typically trucks and vans, at $86 per month.
SUV drivers will see rates of about $87 for auto insurance, while car owners usually pay around $90 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Overall, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Omaha, for example, are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Omaha is about $28 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $24 a month more than if you own your own home in Omaha. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Omaha, NE
Recent trends in car insurance for Omaha drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding when and where to shop.
Auto insurance rates in Omaha had been decreasing from 2016-2018, before increasing from 2019-2020. They finished down in 2021 at $108.
How does Omaha compare to neighboring areas?
Why are car insurance rates in Omaha different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Regional laws
- Area crime rates
- Road Safety (frequency of local car accidents)
- Off-street parking accessibility
- Total number of drivers in the community
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Omaha?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Omaha in no time.
Omaha Insurance FAQs
What factors affect car insurance quotes in Omaha?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Omaha different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Omaha?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Omaha?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Omaha or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.