Omaha’s average car insurance cost is $1,594 for full coverage and $485 for minimal coverage. These rates are lower than the national average cost for car insurance. However, it is important to find the lowest car insurance due to the high number of accidents each year. In 2019, there were 13,339 car accidents in Douglas County, where Omaha is located.
Using Bankrate’s proprietary methodology, we use the latest rates and data to identify the best car insurance companies based on factors like average annual premium, coverage options and discounts available. This is the best Omaha car insurance deal in 2021.
Omaha’s best car insurance companies
The best Omaha car insurance companies have lower than average rates, great policy options, generous discount options, and impressive J.D. ratings. Power’s U.S. Auto Insurance Study 2021 for customer satisfaction, claims handling, and financial stability. These are the top Omaha car insurance companies:
Auto-Owners
J.D. ranks Auto-Owners higher than average in customer satisfaction. Power’s Central region rankings. Power is well-known for its low rates, great customer service, and great discounts. Omaha drivers have the opportunity to take advantage of discounts such as paying your premium on time, bundling policies, paying in full and getting a quote in advance. Auto-Owners offers several discounts for students drivers.
Farmers
Farmers is the best option for Omaha car insurance. However, it offers more than just affordable rates. The company offers a wide variety of coverage options, like loss of use coverage, gap insurance, Guaranteed Value(tm) coverage, customized equipment coverage, full windshield and glass coverage, OEM coverage and more. Farmers also has a safe driver discount program, called Signal, which can help you save up to 20% on your premium.
Progressive
Progressive’s auto insurance policies are slightly higher than the Omaha average. Progressive has a wide range of benefits, coverage options, and online tools. You can enroll in the Snapshot safe driver program to save an average of $145 on your premium and use the Name Your Price Tool to find policies within your price range. Progressive offers a variety of unique coverages such as rideshare insurance and custom parts and equipment coverage.
State Farm
With 16.1% of the market, State Farm is the biggest car insurance provider in America. State Farm offers a range of discounts including two apps-based safe driver savings programs: Steer Clear for drivers younger than 25 and Drive Safe & Save (for drivers older than 25). State Farm also offers Omaha drivers additional coverage such as rideshare insurance, roadside assistance and rental car reimbursement.
USAA
USAA only sells insurance policies to active duty and retired military personnel and their eligible family members, but the company is highly rated. USAA has great rates in Omaha and offers generous savings opportunities. USAA customers save on average $707 annually when they switch to their car insurance. You can get discounts for being a safe driver, good student, taking a defensive driving class, driving below a certain annual mile, garaging your car on base, and insuring multiple cars.
Omaha has the lowest car insurance
The average cost of car insurance in Omaha is slightly more expensive than the average rate in Nebraska. The average Nebraska driver spends $1,518 on full coverage insurance, and $321 on minimum coverage insurance. Nebraska car insurance is less expensive than the national average rate in the United States, which is $1738 for full coverage, and $563 for minimal coverage.
The premiums for car insurance in Omaha can vary depending on the company and other factors such as your credit score and age. Below is a table that shows the most affordable Omaha car insurance options based on market share.
Drivers who are looking for the cheapest car insurance in Nebraska should start by researching these providers. It is important to consider more than just price when selecting a car insurance provider. USAA, for example, has the lowest premiums but you must be eligible to receive coverage. Although the average premium for Nationwide is slightly higher, anyone can purchase a policy.
These companies generally offer the same discounts. These providers do differ in terms of coverage. USAA and State Farm offer very limited coverage. For drivers who wish to add ons to their policy, Progressive or Auto-Owners are better options.
Omaha insurance requirements
Any driver who owns a vehicle registered in Omaha must have car insurance. Drivers must carry at least 25/50/25 personal liability and uninsured/underinsured motorist insurance, which includes the following coverage:
- $25,000 bodily injury coverage per individual
- $50,000 per accident bodily injury coverage
- $25,000 in property damage coverage per accident
The cheapest policy in Omaha is minimum coverage insurance. Full coverage policies are more expensive but worth it. Full coverage insurance provides more protection in the case of an accident and protects your vehicle. Full coverage insurance is required for drivers who lease or finance their vehicle.
Omaha car insurance discount
Most companies in Omaha offer car insurance discounts to help drivers get a lower premium. There are many discounts offered by different providers, but these are the most popular ones in Omaha.
- Good student discount:Students in high school or college who have a minimum GPA may be eligible for a discount on car insurance.
- Claims-free discount:Low premiums are often offered to safe drivers with no claims in the past few years.
- Get a full discount when you pay in fullA driver who pays their annual premium in full and upfront can receive a lower insurance rate.
- Multi-policy Discount:Many insurance companies offer multi-policy discounts if you combine two or more policies with the same company.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company is different for every driver. It all depends on your personal criteria such as your budget, what type of coverage you require, and what discounts you are eligible for. Compare quotes and spend some time looking at insurance companies to find the best rate for you.
What is the cost of Omaha car insurance?
Omaha’s average car insurance cost is $1,594 per year for a full coverage policy. It costs $485 for a policy with minimal coverage. Although car insurance quotes in Omaha tend to be more expensive than the national average rate, they are still cheaper than the average rate for the United States.
What amount of Omaha car insurance do you need?
Drivers in Omaha are required to carry at least 25/50/25 personal liability and uninsured/underinsured motorist insurance. Many drivers opt to upgrade to full coverage policies, which include coverage for their car. In Nebraska, insurance companies recommend that drivers increase their coverage limits to receive more financial protection in case of an at-fault collision.
What are the requirements to purchase Omaha car insurance?
You can use Bankrate’s exclusive search tool to find and compare auto insurance quotes from today’s top providers. To finalize a policy, you’ll need some information. Be prepared to provide your vehicle identification number (VIN), driver’s license, and social security numbers.