Omaha Auto Insurance Rates, Quotes, Agents & Reviews in NE

Omaha, NE Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Omaha, NE, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Ways to Lower the Cost of Car Insurance in Omaha, NE

Omaha, NE, has a population of around 400,000. The median household income is $56,780, and the per capita income is $31,798. Car owners can lower the cost of auto insurance by comparing insurance quotes from different car insurance companies. A reading of Zimlon’s analysis of factors affecting car insurance rates in Omaha can also help car owners get a clearer idea.






Auto Insurance requirements:

$25,000 in bodily injury per person per accident.

$25,000 in property damage liability.

The average cost of auto insurance in Omaha, NE, is $1,304. This is lower than the cost of auto insurance in neighboring places such as Boys Town, Douglas, and McArdle. Below is a list of ways in which car owners can lower the cost of auto insurance in Omaha, NE.

Higher Deductible:

Paying a higher deductible on auto insurance can help in reducing its cost. For instance, the cost of auto insurance for a low deductible, say $500, is $1,489. This goes down to $1,258 when the deductible is $1,000. 


Bundling together car, home, and life insurance with the same insurance company can help in lowering the cost of auto insurance in Omaha. State Farm offers up to a 17% discount on multiple policies, while Progressive offers an average discount of 5%.

Discounts are also offered if one insures multiple vehicles under the same insurer. GEICO, for instance, offers multi-vehicle discounts of up to 25%. As the above infographic indicates, multi-car insurance policies can go a long way in improving savings in Omaha. The average cost of insuring two cars in Omaha is $2,295. This can help in saving up to $313. 

Electric Vehicles and Hybrid Cars:

Car insurance companies are also doing their bit to reduce carbon emissions in our country. They provide discounts to car owners who own or purchase new Electric and Hybrid vehicles. Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles.

Driving Record:

Having a clean driving record can also go a long way in reducing the cost of auto insurance in Omaha, NE. DUIs and other violations can have a lasting impact on the cost of auto insurance. The average cost of auto insurance post-DUI increases from $1,304 to $1,918. Violations such as driving without a license and running a red light can also cause a massive increase in car insurance rates.

Omaha city has high median prices but low insurance average of top selling used cars in Nebraska

The average insurance premium for used cars in the state of Nebraska is $ 1384 per annum. Omaha, the largest city of the state has an average insurance premium of $ 1242 per annum. The data analysis below will compare different used car models and their insurance averages in Omaha city.

Please note that the used car models belong to the year range of 2005 to 2012.

Comparing the insurance average of three cars manufactured by Honda – the Accord, the Civic and the CR-V, the Honda CR-V has the highest insurance average ($ 1246) followed by Honda Civic ($ 1133).

But the median prices of both the models have a vast difference. The Honda CR-V can be purchased at a median price of $ 20725 whereas the median price of the Honda Civic is $12999. The Honda Accord has the lowest insurance average of all the eight car models ($ 1085).

Model Insurance average ($) Median price ($) Insurance percentage
Honda Accord 1,085 18,820 5%
Honda Civic 1,133 12,999 8%
Honda CR-V 1,246 20,735 6%

Toyota’s models–the Camry and the Corolla are old models which are revamped every few years. Toyota Camry has the highest insurance average of all of the eight car models ($1365) but the median price of the model is relatively less ($ 17372). The Camry’s insurance average exceeds the insurance average of Omaha city.

Compared to the Camry, the Corolla has a lower insurance average ($ 1161) and lower median price ($ 14499).

The Nissan Altima, which has been in production since the early 1990s has an insurance average of $ 1181 but has the lowest median price compared to the above mentioned cars ($11495).

The table below gives us the information about car models with the lowest median prices in Omaha.

Model Median price ($)
Nissan Altima 11,495
Honda Civic 12,999
Toyota Corolla 14,999

Despite having the second lowest insurance average of $ 1129, Chevrolet Silverado has the highest median price of all the cars mentioned in the analysis ($ 28995) followed by Ford F-Series ($ 28950).

Factors that can influence the cost of car insurance in Omaha, NE are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Omaha, NE Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Omaha, NE with that of other cities in and around Omaha.

Omaha La Vista McArdle Boys Town Douglas Douglas County
Average Insurance Rates $1,304 $1,320 $1,352 $1,890 $1,318 $1,271

Omaha, NE Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Omaha, NE based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Omaha $1,489 $1,258
Ralston $1,394 $1,177
Douglas $1,714 $1,448
Boys Town $1,947 $1,644
McArdle $1,488 $1,257
La Vista $1,092 $922
Douglas County $1,612 $1,362
Richland III $1,458 $1,232

Omaha, NE Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Omaha, NE usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,231
20 Years $1,675
30 Years $1,291
40 Years $1,242
50 Years $1,150
60 Years $1,166
70 Years $1,357

Omaha, NE Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Omaha, NE can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,295 $313
3 Vehicles $3,443 $469
4 Vehicles $4,590 $626

Savings on 2 Vehicles bundle:$313

Savings on 3 Vehicles bundle:$469

Savings on 4 Vehicles bundle:$626

Omaha, NE Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Omaha, NE.

Location Average Insurance Cost Post DUI Insurance Rate
Omaha $1,304 $1,918
Ralston $1,318 $1,938
Douglas $1,318 $1,938
Boys Town $1,890 $2,780
McArdle $1,352 $1,989
La Vista $1,320 $1,941
Douglas County $1,271 $1,869
Richland III $1,321 $1,943

Omaha, NE Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,119
Excellent (740-799) $1,277
Good (670-739) $1,359
Average (580-669) $1,773
Poor (300-579) $2,127

Omaha, NE Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Joe Hurley State Farm 6315 Center St Ste 102, Omaha, 68106-2859 402-731-6017
Matt Dougherty State Farm 4910 Dodge St, Omaha, 68132-2978 402-884-2870
Monica Rodriguez State Farm 10309 S 25th St, Bellevue, 68123-5005 402-932-3155
Thad Hamilton State Farm 213 S Washington St Ste 1, Papillion, 68046-2471 402-339-6675
Ralston Insurance Agency Travelers 7608 PARK DR, RALSTON, 68127 402-331-6767
Rlk Inc. Dba; King Insurance Brokerage None 11326 Q St, Omaha, 68137 None
James Dahlgren Allstate 2308 Bob Boozer Dr, Omaha, 68130 (402) 333-0870
Matt Meyer State Farm 3661 N 129th St, Omaha, 68164-5211 402-556-7100
Comprehensive Financial Services, Llc None 811 Tara Rd, Papillion, 68046 None
Greta Ritchie State Farm 5106 L St, Omaha, 68117 402-731-5050

Omaha, NE Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$57 $1,361
Driver's Failure In Showing Documents +$126 $1,430
Driving With An Expired Registration +$134 $1,438
Driving At A Considerably Slow Pace +$283 $1,587
Using A Cellphone While Driving +$299 $1,603
Running A Red Light +$304 $1,608
Speeding +$319 $1,623
Driving A Vehicle Without The Required Permission +$406 $1,710
Driving With An Expired/Suspended License +$879 $2,183

Omaha, NE Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,252
Active Disabling Device $1,252
Tracking Device $1,226
Passive Disabling Device $1,213

Latest Auto Insurance Reviews in Omaha, NE | Back to Top

Progressive offered to cover a lower annual, mileage driven, than State Farm, the Hartford or Allstate. Once again, Progressive came out on top of every other insurance company on line.
The premium and deductible with All State are much less than with other companies, that is one of the reasons why I picked All State.
State Farm
I think generally I would recommend this to others because I consider them to be a good company and seem to have pretty fair rates and are helpful when you need to call them for customer service.
That they were much cheaper than their competitors and their quote process was simple.
State Farm
American Family Insurance
It has so many different types of options as well as many different premium rates. My parents bought the policy for me when I was a child and they have always been good to me.
American Family Insurance
One aspect of my provider's policy that I particularly appreciate is that they cover my car even when I am driving for Uber. Other providers will not and it is comforting to know my provider doesn't care whether I am driving for a rides hare or not --- either way, I am covered.
Low price. Fast customer service. Quick claims. The accessibility on the app to view all of my accounts.
Farmer's Insurance
I can call my agent anytime and he always gets back to me in a timely manner. He is great.
State Farm
I love the down to earth nature of the company. They are quick to help you when you need it and really make it a personalized experience. They don't hide things in fine print and they suggest things they think might work for you.