Car Insurance In Omaha, NE
In Omaha, American National is recognized for providing the cheapest choice, typically priced at around $22 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re searching for affordable car insurance in Omaha, NE, you’ve got plenty of options to explore. One standout choice is American National, known for its competitive rates. On average, folks in Omaha pay about $22 each month for car insurance with American National, which is significantly lower than the state average of $122.
If you’re after basic liability coverage at a great price, American National is the way to go. But if you need more comprehensive protection, Farmers Mutual of Nebraska is worth considering, offering full coverage plans for around $115 monthly. And for young drivers, USAA is a top contender, with rates starting at just $140 per month.
Cheapest Car Insurance Companies In Omaha, NE
How Much Is Car Insurance In Omaha, NE?
American National offers the cheapest car insurance in Omaha, NE, priced at $140 per month.
| Area | Average Monthly Rate |
| National | $152 |
| Nebraska | $122 |
| Omaha, NE | $140 |
Cheapest Car Insurance Rates In Omaha For Good Drivers
American National provides budget-friendly car insurance quotes for careful drivers living in Omaha, usually around $22 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $32 | $382 |
| GEICO | $30 | $358 |
| Farm Bureau | $40 | $478 |
| American National | $22 | $262 |
| Allstate | $52 | $622 |
Cheapest For Minimum Coverage
In Omaha, American National provides the cheapest car insurance for basic coverage, usually around $22 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $32 | $382 |
| GEICO | $30 | $358 |
| Farm Bureau | $40 | $478 |
| American National | $22 | $262 |
| Allstate | $52 | $622 |
Car Insurance Rates In Omaha For Seniors
American National provides affordable car insurance options specifically designed for older residents of Omaha. The typical monthly rates are approximately $52, making it an economical choice for seniors looking for coverage.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau Mutual | $68 | $778 |
| Safeco | $72 | $862 |
| Auto-Owners | $75 | $898 |
| American National | $52 | $622 |
| EMC Insurance | $60 | $718 |
Cheapest For Teenagers
Young drivers in Omaha have the opportunity to grab budget-friendly car insurance quotes from Allstate. On average, they might expect to pay around $158 each month for their coverage.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $250 | $2,998 |
| GEICO | $172 | $2,062 |
| Auto-Owners | $182 | $2,182 |
| Allstate | $158 | $1,894 |
| Farmers | $215 | $2,578 |
Cheapest Car Insurance In Omaha For Drivers With Prior Incidents
In Omaha, people who have gotten into accidents, speeded, or driven under the influence and have a history of traffic violations might struggle to find cheap car insurance. These actions make insurance companies see them as risky drivers, meaning they’re more likely to make claims in the future. So, to cover potential costs, insurance companies raise their rates for these drivers.
Cheapest Car Insurance For Drivers With A Speeding Ticket
Farmers Mutual of Nebraska is renowned for offering lower prices compared to other choices, with average monthly premiums at about $115, making it a cost-effective option in the insurance industry.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $144 | $1,726 |
| State Farm | $164 | $1,966 |
| Nationwide | $220 | $2,638 |
| Farm Bureau | $152 | $1,822 |
| Farmers Mutual of Nebraska | $115 | $1,378 |
Cheapest For Drivers With An At-Fault Accident
Farmers Mutual of Nebraska provides the most affordable auto insurance prices for drivers with accident records, averaging about $125 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farmers | $365 | $4,378 |
| Farm Bureau | $210 | $2,518 |
| Allstate | $290 | $3,478 |
| American Family | $180 | $2,158 |
| Farmers Mutual of Nebraska | $125 | $1,498 |
Cheapest For Drivers After A DUI
American Family stands out as the top choice for drivers who have DUI records, offering the most affordable insurance rates. Typically, people living in Omaha pay around $144 per month for their insurance with this company.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $144 | $1,726 |
| Allstate | $269 | $3,286 |
| Nationwide | $280 | $3,358 |
| Farmers | $360 | $4,318 |
| State Farm | $147 | $1,762 |
Cheapest Car Insurance Rates For Full Coverage
Farmers Mutual of Nebraska provides excellent deals for comprehensive car insurance in Omaha, with typical monthly costs averaging around $115.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $192 | $2,302 |
| GEICO | $135 | $1,618 |
| Farm Bureau | $130 | $1,558 |
| Nationwide | $153 | $1,834 |
| Farmers Mutual of Nebraska | $115 | $1,378 |
Cheapest Car Insurance Rates For Young Adults
USAA offers the best deals on car insurance for young adults living in Omaha. Typically, it costs about $140 each month on average.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $200 | $2,398 |
| Farm Bureau | $195 | $2,338 |
| Allstate | $196 | $2,350 |
| USAA | $140 | $1,678 |
| Farmers Mutual of Nebraska | $169 | $2,026 |
Best Car Insurance Companies In Omaha
In Omaha, finding the right car insurance isn’t just about getting the cheapest deal. It’s crucial to find a company that gives you both affordable rates and dependable coverage when you’re out on the road. Here are the top 10 car insurance providers in Omaha, Nebraska, listed by their typical monthly costs.
| Company | Monthly Premium |
| Dairyland | $72 |
| Farm Bureau Mutual (IA Group) | $92 |
| USAA | $104 |
| EMC Insurance | $110 |
| American National P&C | $58 |
| American National P | $72 |
| Safeco | $90 |
| Clearcover | $92 |
| Auto-Owners | $105 |
| Farmers Mutual of Nebraska | $114 |
Average Car Insurance Rates – By Age
| Age | Average Yearly Rate |
| Teenagers | $3,040 |
| 20s | $2,100 |
| 30s | $1,500 |
| 40s | $1,584 |
| 50s | $1,438 |
| 60s | $1,198 |
| 70s | $1,366 |
Average Rates In Omaha – By Vehicle Type
| Vehicle | Average Monthly Rate |
| Ford F150 | $100 |
| Dodge Durango | $244 |
| Chrysler 300 | $204 |
| Hyundai Sonata | $64 |
How Much Is Car Insurance For Other Cities In Nebraska?
| City | Average Monthly Rate |
| Lincoln | $118 |
| North Platte | $88 |
| Omaha | $140 |
| Oshkosh | $92 |
| Bellevue | $130 |
| Blair | $140 |
| Columbus | $106 |
| Fremont | $108 |
| Grand Island | $110 |
| Hastings | $112 |
Our Methodology
After looking into how customers rate their service, the variety of products they offer, their prices, and carefully reading online reviews and comments, I've gained a good understanding of the auto insurance options in Omaha, Nebraska.
This understanding comes from my 15 years of experience working as a certified insurance agent. During this time, I've talked with many representatives from insurance companies and learned a lot through hands-on experience.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Omaha?
American National offers the cheapest car insurance prices in Omaha, meeting the basic coverage needs of Nebraska. On the other hand, Farmers Mutual of Nebraska is known for providing the most competitive rates for comprehensive insurance, covering both comprehensive and collision.
What is the average cost of car insurance in Omaha?
Typically, car insurance in Omaha runs about $140 each month. But the final price you fork out can differ depending on where you live, what kind of car you drive, how old it is, your driving history, and some other factors.
Sources
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