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.
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 Rates
- Omaha, NE Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Omaha, NE
- Multi Vehicle Insurance Savings in Omaha, NE
- How Credit Score Affects Car Insurance Rates in Omaha, NE
- How DUI Affects Auto Insurance Premiums in Omaha, NE
- Top Auto Insurance Agents Near Omaha, NE
- How Driving Violations Affect Auto Insurance Rates in Omaha, NE
- Omaha, NE Auto Insurance Discounts on Anti Theft Feature
- Omaha, NE Auto Insurance Company Reviews
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
ProgressiveProgressive 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.
AllstateThe 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 FarmI 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.
ProgressiveThat they were much cheaper than their competitors and their quote process was simple.
State FarmLIABILITY MEDICAL PAYMENTS COMPREHENSIVE COLLISION EMERGENCY ROAD SIDE SERVICE CAR RENTAL DEATH DISMEMBERMENT AND LOSS OF SIGHT UNINSURED MOTORISTS GOOD DRIVER DISCOUNTS
American Family InsuranceIt 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 InsuranceOne 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.
ProgressiveLow price. Fast customer service. Quick claims. The accessibility on the app to view all of my accounts.
Farmer's InsuranceI can call my agent anytime and he always gets back to me in a timely manner. He is great.
State FarmI 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.