Buying affordable auto insurance is tough enough, and deciding which insurers offer the cheapest auto insurance rates in Omaha requires even more perseverance. Every insurance company has a different formula to determine premium rates, so let’s begin by examining the most budget-friendly auto insurance companies in Omaha.
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $873 |
| 3 | Auto-Owners | $923 |
| 4 | Allied | $949 |
| 5 | Farmers Mutual of Nebraska | $1,009 |
| 6 | Farm Bureau Mutual | $1,010 |
| 7 | Nationwide | $1,037 |
| 8 | American National | $1,054 |
| 9 | State Farm | $1,075 |
| 10 | General Casualty | $1,114 |
| 11 | USAA | $1,150 |
| 12 | California Casualty | $1,270 |
| 13 | American Family | $1,296 |
| 14 | MetLife | $1,319 |
| 15 | GEICO | $1,322 |
| 16 | EMC | $1,340 |
| 17 | Iowa Mutual | $1,347 |
| 18 | Progressive | $1,402 |
| 19 | Farmers | $1,586 |
| 20 | North Star | $1,693 |
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Safeco offers some of the best car insurance rates in Omaha at around $780 annually. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also be considered some of the lowest-priced Omaha, NE auto insurance companies.
As shown in the table above, if you buy coverage from Allied and switched to Safeco, you could earn an annual premium reduction of about $169. Nebraska drivers with Farmers Mutual of Nebraska might save as much as $229 a year, and Farm Bureau Mutual customers might lower prices by up to $230 a year.
To see if your current coverage is too expensive, click here to get a free quote or click through to the companies below.
Understand that those policy prices are averaged for all types of insureds and vehicles and do not factor in a specific vehicle garaging location in Omaha. So the insurer that fits your situation best may not even be in the top 24 companies in the list above. That illustrates why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
For drivers in Omaha, one of the more important factors that help determine the annual cost of car insurance is where you normally keep your vehicle. More densely populated places tend to have more expensive auto insurance rates, whereas more rural areas receive better rates.
The information below ranks the most expensive areas in Nebraska to purchase a policy in. Omaha ranks #8 with an annual premium of $1,257 for coverage, which is around $105 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,374 |
| 2 | Alliance | $1,354 |
| 3 | Gering | $1,303 |
| 4 | Lexington | $1,303 |
| 5 | McCook | $1,292 |
| 6 | South Sioux City | $1,290 |
| 7 | North Platte | $1,262 |
| 8 | Omaha | $1,257 |
| 9 | Beatrice | $1,235 |
| 10 | Crete | $1,234 |
| 11 | Seward | $1,227 |
| 12 | Kearney | $1,224 |
| 13 | Blair | $1,200 |
| 14 | York | $1,191 |
| 15 | Hastings | $1,182 |
| 16 | Fremont | $1,177 |
| 17 | Nebraska City | $1,176 |
| 18 | Grand Island | $1,158 |
| 19 | La Vista | $1,150 |
| 20 | Bellevue | $1,144 |
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Premium amounts are approximated as zip code location can modify prices substantially.
Low rates today, overpriced tomorrow
Omaha auto insurance rates are impacted by many factors which can substantially change the cost of a policy. Simply having a birthday, buying a home instead of renting, or getting a few speeding tickets can trigger price changes that can now make some companies more affordable than the competition. In addition to those changes, companies modify pricing multiple times each year to adjust for gains or losses. Higher than usual claims can result in more expensive prices, while long-term profits may produce cheaper Omaha car insurance rates.
The graph below shows the company with the cheapest car insurance in Omaha, NE for a 40-year-old female driver with no violations or accidents, and a decent credit rating. If we estimate rates based on her current rating profile, Safeco may offer the cheapest car insurance rates in Omaha at $914 per year. This is $402 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also included in the cheapest Omaha, NE auto insurance companies.
In this example, we will give the driver from the first rate comparison a couple of claims, slightly worse credit, and a stop sign violation. Due to the fact that each insurance company has their own process for establishing rates, getting updated rate quotes may now show a new list of the cheapest companies as shown below.
Nationwide now has the cheapest insurance rate in Omaha, NE with State Farm, General Casualty, American National, and The Hartford also having competitive pricing. This demonstrates why drivers need to compare rates when trying to get affordable car insurance rates in Omaha.
Auto insurance prices are influenced by many different factors and can change without notice, so the cheapest company when you last compared rates may now not even be in the top five.
The type of vehicle to be insured is one of the largest factors when looking for the cheapest coverage in Omaha. Vehicles with lower acceleration and performance, advanced safety features, or low incidents of liability claims will cost less to insure than adrenaline junky models. The next list showcases insurance costs for a selection of the cheaper vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,005 |
| Ford Explorer XLT 4WD | $1,126 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,176 |
| Toyota RAV4 Sport 2WD | $1,189 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,228 |
| Ford Escape XLS 2WD | $1,230 |
| Toyota Corolla LE | $1,251 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,267 |
| Ford F-150 XL Super Cab 4WD | $1,292 |
| Nissan Rogue SL AWD | $1,337 |
| Honda Odyssey EX W/Rear Entertainment | $1,344 |
| Toyota Camry Hybrid | $1,360 |
| Toyota Tacoma Double Cab 4WD | $1,362 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices greatly.
By looking at the data, makes and models like the Honda CR-V, Ford Explorer, Volkswagen Jetta, and Toyota RAV4 are a few of the cheaper vehicles to insure for drivers in Omaha.
Discount Omaha auto insurance
Insurers that offer cheap quotes in Omaha may also give you premium discounts that can reduce rates by 35% or more if you meet the requirements. A few of the larger companies and a selection of discounts include:
- AAA includes discounts for good student, good driver, education and occupation, pay-in-full, AAA membership discount, multi-car, and multi-policy.
- Progressive policyholders can earn discounts including online quote discount, multi-vehicle, homeowner, good student, multi-policy, and continuous coverage.
- State Farm offers discounts for Drive Safe & Save, safe vehicle, multiple policy, good driver, anti-theft, driver’s education, and passive restraint.
- Esurance may have discounts that include claim free, Pac-12 alumni, anti-theft, paid-in-full, Switch & Save, and multi-car.
- Nationwide may offer discounts for easy pay, family plan, anti-theft, multi-policy, and Farm Bureau membership.
The information below illustrates the difference between insurance costs with and without discounts applied to the rates. The price estimates are based on a female driver, no violations or accidents, Nebraska state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, safe-driver, multiple vehicle, defensive driving course, marriage, and vehicle safety discounts applied. When drivers take advantage of discounts, theaverage amount saved on car insurance in Omaha is 28% or $605.