On average your neighbors pay $56 a month.See Your Rates
Omaha, Nebraska is home to ConAgra Foods, Mutual of Omaha, Berkshire Hathaway, and its famously rich CEO, Warren Buffett. And, Omaha has given America some of its favorite things: bobby pins, TV dinners, Raisin Bran, cake mix, and the Reuben Sandwich, just to name a few. For all their contributions to American culture, residents deserve the cheapest car insurance rates they can get.
How much is car insurance in Omaha, NE? Drivers in Omaha are helping their pocketbooks by driving defensively. Even so, they still pay more for car insurance than most of Nebraska thanks to a vehicle theft rate more than three times higher the national average.
The average cost of auto insurance in Nebraska is $681.54 a year. The national average price is $889.01.
Prices will vary depending on multiple factors including your driving record and the number of claims filed in your zip code.
|Total Cost Per Year||$681.54|
|Price Per Month||$56.79|
The graph below shows the change in average Nebraska rates from 2011 to 2015, the most recent year the data is available. According to the III, Nebraska car insurance rates increased from $602 in 2011 to $681 in 2015, a jump of $79 dollars, or 13.14 percent.
QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Omaha, Nebraska and save up to 40% on your premium.
Last year, 11,729 people used QuoteWizard to get an auto insurance quotes comparison in Omaha, NE from multiple companies.
This is our list of the most common car makes and models owned by Omaha drivers requesting quotes through QuoteWizard last year.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Omaha, NE last year.
Other popular Omaha, Nebraska car insurance companies: AIG, USAA, Safeco, Allied, MetLife, Travelers, 21st Century, and Hartford.
If you own and operate a vehicle in Omaha, stand up and take a bow because drivers in your city are among the safest in the nation. According to a recent report published by Allstate Insurance, Omaha ranked 26th out of 200 cities for safe driving. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 10.6 years, six percent better than the national average.
Some factors that can affect insurance rates are the weather and road conditions.
Omaha is very close to the geographic center of the United States and is very far from major bodies of water. This makes winters very cold and summers scorching hot. It also rains often, creating freeway nightmares for commuters. Most precipitation occurs between April and October. However, there's more than enough moisture and left over during the winter months for snow to cause problems for drivers. On average, 13.4 inches of snow falls each year, usually between December and February.
The condition of Omaha's city streets is a major problem for local drivers. A recent study by TRIP indicates that 54% of the major roads are in poor condition and 24% are mediocre. These poorly maintained, pothole-filled streets cost commuters $852 a year in extra vehicle operating costs.
TomTom's annual traffic index report has ranked the Omaha-Council Bluffs as having the 69th worst traffic congestion in the United States. The average commuter spends an additional 13 minutes per hour stuck in traffic during peak commute times and 48 hours a year for commutes of 30 minutes .According to traffic data provider Inrix, Omaha is ranked as having the 83rd worst traffic congestion in North America. According to Inrix, the average commuter spent an additional 1.6 hours stuck in traffic jams last year.
Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, you'll need to get auto insurance for bad drivers, also known as high-risk insurance.
The Nebraska Citation Payment Process website allows residents to pay traffic tickets and fines and provides helpful traffic court information.
Omaha Police issued 18,485 traffic citations in 2014.
The Omaha Police Department arrested 2,055 drivers for a driving under the influence (DUI) violation in 2014, a 21 percent decrease from the 2,594 DUI arrests made in 2013. With good public transit, cabs, and rideshare services, there’s no reason to risk a DUI.
A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Omaha DUI insurance.
Omaha Police recorded 2,543 vehicle thefts in 2016. This is a rate of 5.73 per 1,000 residents. This rate is more than twice times the national average of 2.20 stolen cars per 1,000 people.
Omaha Police submitted 14,986 vehicle accident reports in 2014 and investigated 4,421 Hit and Runs.
Omaha Police reported 32 car accident fatalities in 2014. All traffic deaths are a tragic loss, but with Omaha's estimated population of 446,970, this is a safe city in terms of traffic fatalities.
Omaha, Nebraska has a minimum coverage requirement known as the 25/50/25 rule. This rule states that each policy must include at least:
If you want affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to Omaha, NE drivers.
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