Compare the Cheapest Car Insurance Quotes in Omaha, NE

Below is a list of the best Car insurance omaha ne voted by users and compiled by us, invite you to learn together

In Omaha, GEICO offers the cheapest full coverage car insurance on average, while Farmers Mutual of Nebraska offers the cheapest minimum coverage. However, rates can vary by driver profile and coverage level. GEICO also offers the lowest rates in Omaha on average for drivers with tickets. According to MoneyGeek, Auto-Owners is the best company that balances affordability with quality service.

If you want to purchase a full coverage policy in Omaha, the cheapest providers are, on average:

  • GEICO: $777 per year
  • Farmers Mutual of Nebraska: $785 per year

Military families are eligible to buy insurance from USAA, which has an average cost of $686 per year.

MetLife is the most expensive company on average, offering policies in Omaha with an annual rate of $1658. Full coverage includes comprehensive and collision insurance. However, since these are estimates, your rates could go up or down depending on your coverage limits and driving record.

Cheapest Car Insurance in Omaha

As stated in MoneyGeek’s methodology, these averages are based on a 40-year old safe driver getting a full coverage auto insurance policy in Omaha.

Full coverage car insurance is a bit more expensive than the state minimum since it has more coverage aside from the state-mandated liability insurance, including:

  • Collision Insurance: A collision, either with a stationary object or another vehicle, will be covered with this type of coverage.
  • Comprehensive Insurance: Non-collision damages, including theft, vandalism and natural disasters, are included under this coverage.

If you have an older car, the state minimum coverage is recommended as you’ll be paying the minimum for basic coverage. It doesn’t make sense to get a full coverage policy which can be more expensive than your car’s value.

If you want to get the cheapest insurance option in Omaha, you may want to consider getting minimum insurance coverage.

On average, the Omaha insurance providers with the cheapest available rates for minimum coverage are:

  • Farmers Mutual of Nebraska: $319 per year
  • GEICO: $338 per year

USAA has an even cheaper rate than the two companies, with an average cost of $312 per year. However, only military families are eligible to buy these policies.

MetLife offers the most expensive rates, with an annual premium of $959 on average. Minimum coverage is the cheapest coverage option, but it comes with risk since the coverage is limited. You can increase the limits of the liability coverage, though it will have added costs.

Cheapest Minimum Liability Car Insurance in Omaha

A state minimum coverage policy is the cheapest option you can buy in Omaha. While you can save on your premiums, a state minimum policy offers the least protection and only covers up to a certain amount. For example, if you are in an accident where you are at fault and there is $35,000 in damage but your limit is $25,000, you’ll pay the remaining $10,000 out of your own pocket.

Generally, driving violations can increase your rates significantly. If you have a bad driving record, one way to save on premiums is to look for companies that have the cheapest rates for drivers with your profile.

On average, here are the cheapest insurers for various driving violations:

  • Cheapest after a ticket: GEICO, $777 per year
  • Cheapest after an at-fault accident: Farmers Mutual of Nebraska, $956 per year
  • Cheapest after a DUI: State Farm, $913 per year

Driving records can be improved over time, helping to lower your rates. However, if you have a recent violation on your record, it is best to look for companies that offer the best rates even after an accident.

Cheapest Car Insurance in Omaha With a Violation

Car insurance companies in Omaha determine annual premiums based on the risks associated with drivers. To do this, they have to evaluate a variety of specific factors like the driver’s age, ZIP code, driving history, credit score, gender, marital status and coverage level, among others. Generally, senior citizens in Omaha get the cheapest rates. For example, a 70-year-old male can get a policy for a $742 annual premium with Farmers Mutual of Nebraska, while they will offer a similar policy to an 18-year-old male for $1,907.

MoneyGeek studied different providers’ average car insurance rates, customer satisfaction ratings and claims experience to identify the best auto insurance companies in Omaha.

According to MoneyGeek’s analysis, Omaha’s top car insurance companies are:

  • State Farm: MoneyGeek Score of 89.0 out of 100
  • GEICO: MoneyGeek Score of 87.0 out of 100

USAA was excluded from MoneyGeek’s ranking, as policies are only available to military members and their families. USAA, however, received an overall MoneyGeek score of 98.4 out of 100, making it the best insurance company for current and former members of the military.

Your ZIP code in Omaha, Nebraska can also affect auto insurance costs. The average car insurance rate in Omaha, based on ZIP code, ranges from $898 and $1,098. The most affordable neighborhood is 68164, while drivers living in 68104 pay the highest premiums. The factors that affect these rates vary, but may include factors like the region’s accident rate, theft rate and the number of drivers on the road.

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