Save on Omaha Auto Insurance Today

How to find cheaper Omaha car insurance rates

Finding affordable coverage is not that time consuming, but you do need to be consistent and thorough. The steps below demonstrate the best way to lower your rates.

  1. Spend some time learning about auto insurance and the changes you can make to prevent expensive coverage. Many risk factors that cause rate increases such as speeding and an imperfect credit score can be rectified by improving your driving habits or financial responsibility.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while independent agencies can quote rates from multiple insurance companies. Exclusive agents primarily only quote one company's rates, like State Farm.
  3. Compare the new quotes to your current policy and see if there is a cheaper rate in Omaha. If you find a lower rate and decide to switch, make sure coverage does not lapse between policies.

The key aspect of shopping around is to try to use identical coverage information on every quote request and and to get prices from as many different insurance providers as possible. Doing this ensures the most accurate price comparison and maximum price selection.

AUTO INSURANCE FACT
Omaha drivers who compare rates pay an average of $850 less than drivers who do not. What are you waiting for?

Start Your Free Quote Now

Omaha, Nebraska Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
Compare Rates Now Go

Drive responsibly or pay higher rates

The chart below shows how traffic citations and at-fault claims influence yearly insurance costs for different categories of driver ages. The costs are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Whether you pay high or low rates for car insurance coverage depends on a wide range of factors, but the average cost for a policy in Omaha is right around $1,100 every 12 months. On average, drivers in other states pay approximately $1,230, so Omaha drivers actually pay roughly $155 less each year than drivers who live in other states. But despite Omaha's decent rates, that doesn't mean you still can't pay less than you're currently paying.

The cost of Omaha car insurance depends on a lot of variables, and one important factor is the car, truck, or SUV you are insuring. The rate table below shows estimated premium rates for the top-selling vehicles bought in Omaha.

Auto Insurance Rates for Popular Cars in Omaha
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $816 $408 $68
Ford Focus SEL 4-Dr Sedan $822 $411 $69
Ford Fusion Sport 4-Dr Sedan $860 $430 $72
Honda Accord LX 4-Dr Sedan $672 $336 $56
Honda Civic EX-L 4-Dr Sedan $886 $443 $74
Hyundai Sonata Limited 4-Dr Sedan $912 $456 $76
Kia Optima SX $912 $456 $76
Toyota Corolla S $842 $421 $70
Volkswagen Jetta 2.0T Station Wagon $798 $399 $67
Get a Custom Quote for Your Car Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific location information which can revise premiums substantially.

Car Insurance Rates for Popular Pickup Trucks in Omaha
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $860 $430 $72
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $940 $470 $78
Chevrolet Silverado LT Regular Cab 2WD $850 $425 $71
Dodge Ram 2500 Crew Cab ST 4WD $930 $465 $78
Dodge Ram 3500 Crew Cab SLT 2WD $940 $470 $78
Dodge Ram Quad Cab ST 4WD $868 $434 $72
Ford F-150 STX Regular Cab 2WD $734 $367 $61
GMC Sierra 2500HD SLE Crew Cab 4WD $860 $430 $72
GMC Sierra Denali Crew Cab 2WD $922 $461 $77
Toyota Tundra Limited Double Cab 2WD $912 $456 $76
Get a Custom Quote for Your Truck Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific location information which can increase or decrease premium rates greatly.

Auto Insurance Rates for Popular SUVs and Crossovers in Omaha
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance/Entertainment 4WD $878 $439 $73
Buick Enclave XL 2WD $860 $430 $72
Chevrolet Suburban LT 4WD $816 $408 $68
Chevrolet Traverse LS 2WD $692 $346 $58
Ford Escape Limited 2WD $692 $346 $58
Ford Explorer Limited 2WD $816 $408 $68
GMC Acadia SLE AWD $798 $399 $67
Honda CR-V LX 4WD $672 $336 $56
Honda Pilot LX 2WD $754 $377 $63
Hyundai Tucson GLS 2WD $734 $367 $61
Jeep Grand Cherokee Limited 4WD $860 $430 $72
Toyota Highlander SE 4WD $878 $439 $73
Toyota RAV4 Limited 4WD $798 $399 $67
Volvo XC90 V8 AWD $922 $461 $77
Get a Custom Quote for Your SUV or Crossover Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in zip code location which can change price quotes considerably.

Top 15 cheapest vehicles to insure in Omaha, NE
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Kia Rondo
Mazda MX-5 Miata
Ford Escape
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Chevrolet Colorado
Mazda 5
Ford F-150
Nissan Xterra
Jeep Wrangler
Top 15 most expensive vehicles to insure in Omaha, NE
Mercedes-Benz CL65 AMG
Mercedes-Benz S65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Mercedes-Benz CL550
Porsche 911
Porsche Panamera
TESLA Roadster
Chevrolet Corvette
Porsche Cayenne
Top 15 safest vehicles to insure in Omaha, NE
Ford Escape
Chrysler Town and Country
Chevrolet Suburban
Ford Fusion
Chevrolet Tahoe
Jeep Liberty
Infiniti QX56
Chevrolet Silverado 2500HD
GMC Yukon
Volvo XC60
GMC Sierra 2500HD
Jeep Wrangler
Chevrolet Colorado
Subaru Outback
Nissan Titan