Cheapest Car Insurance Companies in Omaha, Nebraska (2022)

American Family is the cheapest car insurance company in Omaha at $108 a month for full coverage. Compare quotes to get your best rate.

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Key Takeaways

  • American Family has the cheapest car insurance rates in Omaha for most drivers, including teens, seniors and those with prior incidents.
  • USAA often offers even cheaper rates to Omaha drivers with ties to the military.
  • Car insurance rates in Omaha are higher than the state averages for minimum coverage ($65 a month vs. $48) and full coverage ($153 vs. $115).

In this article

The cheapest car insurance companies in Omaha, NE

American Family is the cheapest car insurance company for drivers in Omaha, according to our survey of the city’s top providers. It offers Omaha’s

  • Cheapest minimum- and full-coverage car insurance for adults with clean driving records
  • Cheapest car insurance for drivers with violations
  • Cheapest teen car insurance
  • Cheapest senior car insurance

GEICO, Nationwide and USAA also regularly offer affordable car insurance rates to Omaha drivers that are cheaper than the city averages.

To find the cheapest rates for the coverage you need, compare auto insurance quotes from several companies.

Omaha car insurance minimums

Nebraska requires drivers to carry 25/50/25 car insurance coverage to legally operate a vehicle in the state. This coverage is for the other driver in the event of an accident. Nebraska drivers must carry:

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $50,000
  • Property damage: $25,000

The state of Nebraska also requires drivers to carry uninsured/underinsured motorist insurance. This insurance helps protect you in the event of an accident. The required coverage is:

  • Uninsured motorist insurance per person: $25,000
  • Uninsured motorist insurance per accident: $50,000
  • Underinsured motorist insurance per person: $25,000
  • Underinsured motorist insurance per accident: $50,000

In the unfortunate event of an accident, liability only coverage could leave you with many unexpected expenses such as large medical bills, vehicle replacement costs, repair costs and more. Increasing the amount of coverage you carry can reduce your financial risk and give you more peace of mind.

To reduce your financial risk, QuoteWizard recommends you increase your coverage to the following amounts:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage: $100,000

Get cheap car insurance in Omaha

Cheapest minimum-coverage auto insurance rates in Omaha: American Family

The cheapest minimum-coverage car insurance for most Omaha drivers is available from American Family and USAA. American Family offers liability-only coverage for $52 per month. USAA’s average rate of $37 per month is even cheaper, but only members of the military and certain family members qualify.

On average, Omaha drivers can expect to pay $65 per month for liability-only car insurance coverage.

Insurance company Monthly rate
American Family $52
GEICO $54
Nationwide $59
Progressive $62
Allstate $70
State Farm $75
Mid-Century $113
USAA $37
City average $65
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record.

A minimum-coverage car insurance policy will meet Nebraska’s minimum car insurance requirements for personal injury protection, uninsured motorist and liability coverage.

Cheapest full-coverage auto insurance rates in Omaha: American Family

For most Omaha drivers, American Family offers the most affordable rates for full-coverage auto insurance, charging $108 per month, on average. This is a savings of $45 per month compared to the city average.

The average cost of full-coverage auto insurance in Omaha is $153 a month.

Insurance company Monthly rate
American Family $108
Nationwide $126
GEICO $138
Progressive $144
State Farm $198
Mid-Century $209
Allstate $216
USAA $89
City average $153
Rates are for full-coverage car insurance for a 35-year-old male with a good driving record.

Full-coverage car insurance satisfies Nebraska’s car insurance coverage requirements. It also provides policy holders with both collision and comprehensive insurance protections. Lenders and lessors often require full-coverage insurance for the length of a vehicle's loan or lease. While state law does not require full coverage, it is often a good idea if the vehicle is new, expensive, and/or expensive to replace.

Cheapest car insurance for drivers with a prior incident

American Family is the cheapest car insurance company in Omaha for drivers with a speeding ticket or accident on their records. It is also the cheapest company for drivers with a DUI.

Cheapest for drivers with a speeding ticket: American Family

Omaha drivers with one speeding ticket on their driving records can find the cheapest car insurance rates with American Family. The insurance provider offers these drivers full-coverage policies for $108 per month — a savings of $80 per month compared to the city average.

Drivers in Omaha with one speeding ticket can expect to pay an average of $188 per month for full-coverage car insurance.

Insurance company Monthly rate
American Family $108
USAA $111
GEICO $153
Nationwide $190
Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record.

Cheapest for drivers with an at-fault accident: American Family

Finding affordable auto insurance following an accident can be a challenge. Drivers with an accident on their records can find the cheapest rates with American Family.

On average, Omaha drivers pay $224 a month for full coverage if they have an accident on their records. American Family offers these drivers the most affordable rate at $130 per month and saves them $94 per month when compared to the city average.

Insurance company Monthly rate
American Family $130
USAA $132
Nationwide $221
GEICO $225
Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record.

Cheapest for drivers with a DUI: American Family

Omaha drivers with one DUI on their driving record can find the best auto insurance rates with American Family and Progressive. American Family offers drivers with a DUI the cheapest average rate at $108 per month. Progressive offers an average premium of $164 per month.

On average, Omaha drivers with one DUI can expect to pay $236 per month for full-coverage auto insurance.

Insurance company Monthly rate
American Family $108
Progressive $164
USAA $186
State Farm $216
Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record.

Cheapest car insurance for senior drivers: American Family

American Family is the best source of cheap car insurance for senior drivers in Omaha, based on our data. It has the city’s cheapest average rate of $99 per month for full-coverage policies.

Omaha senior drivers pay an average of $134 per month for full-coverage auto insurance, so American Family offers quite a savings.

Insurance company Monthly rate
American Family $99
Nationwide $103
Progressive $115
USAA $81
Rates are for full-coverage car insurance for a 60-year-old male with a clean driving record.

Compare car insurance quotes from top companies

Cheapest car insurance for young drivers: American Family

American Family offers the cheapest car insurance for young drivers in Omaha, too. Most Omaha teens can find the cheapest rates with American Family at $285 per month. This saves them $214 per month when compared to the city average of $499 per month.

Insurance company Monthly rate
American Family $285
Allstate $429
GEICO $450
USAA $224
Rates are for full-coverage car insurance for an 18-year-old male with a clean driving record.

Frequently asked questions

Who has the cheapest car insurance in Omaha?

American Family has the cheapest car insurance in Omaha for both minimum- and full-coverage policies. American Family’s low average rate for minimum-coverage car insurance is $52 a month. Its average rate for full-coverage car insurance is $108 a month.

What is the average cost of car insurance in Omaha?

On average, drivers in Ohama save money on car insurance costs compared with the rest of the U.S. Omaha drivers pay an average of $65 per month for minimum coverage — $22 less than the national average of $87 per month.

The average cost of full-coverage auto insurance for drivers in Omaha is $153 per month — a savings of $23 per month compared to the national monthly average of $176.

AVERAGE CAR INSURANCE COST IN OMAHA VS U.S. AVERAGE
Coverage amount Omaha average (monthly) U.S. average (monthly)
Minimum coverage $65 $87
Full coverage $153 $176
Rates are for a 35-year-old male with a good driving record.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Omaha ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Nebraska’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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