Best cheap car insurance in Omaha for 2025

The best car insurance companies in Omaha

Bankrate reviewed average rates from Quadrant Information Services to find some of the most affordable car insurance in Omaha, Nebraska. In addition to average pricing data, we also assigned each company a Bankrate Score based on a wide range of factors, including coverage options, discount availability, and third-party ratings for financial strength and customer satisfaction. Using these metrics, we gave a score to each company out of a possible five points.

The cheapest car insurance companies in Omaha

Omaha rates tend to be lower than the national average but are generally more expensive than rates in less populated areas of the state. In fact, Omaha tends to have some of the highest average rates in Nebraska. You may be able to find a cheaper policy by taking advantage of discounts or adjusting your level of coverage. 

Although your individual rate will differ based on characteristics specific to you and your vehicle, the carriers below offer some of the lowest average rates in the state and may be worth getting a quote from.

How much is car insurance in Omaha, Nebraska?

The average cost of car insurance in Omaha is 4 percent more than the Nebraska state average for full coverage and 22 percent more for minimum coverage. However, your premium will depend on your age and gender, the vehicle you drive, your driving record and the ZIP code where you park your car at night.

Omaha rates for teens

Teenagers have less experience on the road and are more likely to get into serious accidents. Until they’ve proven a safe driving record, they can expect a higher-than-average premium. In fact, many drivers have a higher rate until their mid-20s, even with no tickets or accidents. The following rates are based on teens who are added to their married parents’ policy.

Omaha rates for young drivers

Even after their teen years, young drivers can see quite high rates for both full and minimum coverage. These rates may drop dramatically after the age of 25, depending on factors like previous claim history and miles driven. The following averages are based on young drivers who have their own policy.

Omaha rates for adults

Adults between the ages of 30 and 50 with good credit and a good driving record may enjoy some of the lowest auto insurance rates. Keep in mind that infractions or buying a new car may increase your rates for several years.

Omaha rates for senior drivers

Older drivers may see a rate increase due to an increased likelihood of claims. If you’re retired, you may be able to keep rates in check by letting your insurer know that you’re driving fewer miles than you used to.

The cheapest car insurance in Omaha by driving record

In addition to your demographic and vehicle information, your driving record will affect how much even the cheapest car insurance companies in Omaha charge you to insure your vehicle. Major incidents like an accident or DUI are almost certain to increase your rates in the short term. You can maintain the cheapest rates by staying in between the lines, so to speak.

Car insurance with a speeding ticket in Omaha

Being convicted of speeding in Omaha can increase your rate substantially. Drivers with a single speeding ticket in Omaha typically pay 18 percent more for full coverage compared to those with a clean driving record.

Below we’ve pinpointed rates from some of the cheapest companies for drivers convicted of speeding.

Car insurance after an accident in Omaha

Nebraska is an at-fault state, which means that the driver who is deemed responsible for the incident is responsible for paying the damages. Drivers with an at-fault accident may see their rate increase from $2,502 to $3,943, on average, for full coverage. In other words, drivers with an at-fault accident on their record in Omaha typically pay 58 percent more for full coverage.

Car insurance after a DUI in Omaha

Getting a DUI in Omaha may increase your rate from about $2,502 to $4,735 on average. This means that drivers with a DUI in Omaha can expect to pay about 89 percent more for full coverage. In addition, Most drivers in Nebraska who find themselves in this situation require SR-22 insurance to get their license reinstated.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.