Compare Car Insurance in Omaha
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.
Average Omaha Car Insurance Rates
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|
|Source: Facts + Statistics: Auto insurance|
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.
Best Car Insurance Companies in Omaha, NE
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.
Top 10 Vehicles in Omaha
This is our list of the most common car makes and models owned by Omaha, NE drivers requesting quotes through QuoteWizard last year.
- Ford F150
- Chevrolet Blazer
- Chevrolet Impala
- Ford Taurus SE
- Honda Accord EX
- Chevrolet Cavalier
- Ford Explorer
- Chevrolet Malibu
- Ford Ranger
- Cadillac DeVille
Legal Minimum Insurance Requirements in Omaha, NE
Omaha, Nebraska has a minimum coverage requirement known as the 25/50/25 rule. This rule states that each policy must include at least:
- Individual Bodily Injury Liability (BIL): $25,000.
The most insurance companies will pay for an individual person injured in a car accident.
- Total Bodily Injury Liability: $50,000.
The maximum amount your carrier will pay in total for every person injured in a car accident.
- Property Damage Liability (PDL): $25,000.
The total your insurer will pay for property damage caused by a car accident.
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 Omaha 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.
SR-22 DUI Insurance
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.
Car Accident Statistics
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.
Vehicle Theft Rates
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.
Car Insurance Discounts in Omaha
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.
- Bundle your auto policy with your homeowners or renters insurance. Bundling your policies and vehicles can save you 15%
- Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
- Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
- Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
- Are you married or getting married soon? Some insurers offer drivers a marriage discount
- Safe driver. If you have a perfect driving record with no tickets or accidents you may qualify for the safe driver or accident-free discount
- Live in a safe zip code. People that live in neighborhoods with high crime rates and traffic congestion file more claims. That means higher rates insurance rates for you even if you have a spotless driving record
- Drive less. Living close to work or taking the bus occasionally could help you get the low mileage discount.
- Take a defensive driving course from an accredited driving school
- Shop around and compare cheap Omaha auto insurance quotes
- Handle a Traffic Ticket or Misdemeanor Citation? - Douglas County Nebraska
- Omaha Nebraska Crime Rates
- United States Census Bureau - Omaha, NE
- National Highway Traffic Safety Administration
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