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.
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.
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.
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|
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 ($11495).
The table below gives us the information about car models with the lowest median prices in Omaha.
|Model||Median price ($)|
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 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, 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|
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|
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, 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|
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|
|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|
|Active Disabling Device||$1,252|
|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.
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.
LIABILITY MEDICAL PAYMENTS COMPREHENSIVE COLLISION EMERGENCY ROAD SIDE SERVICE CAR RENTAL DEATH DISMEMBERMENT AND LOSS OF SIGHT UNINSURED MOTORISTS GOOD DRIVER DISCOUNTS
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.
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.
I can call my agent anytime and he always gets back to me in a timely manner. He is great.
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.