Cheapest car insurance companies in Omaha
According to a study by Insurance.com, the cheapest car insurance companies in Omaha for 2023 are Auto-Owners and Nationwide.
Auto-Owners offers the cheapest car insurance premium for Omaha drivers at an annual rate of $1,329 a year, on average.
When it comes to car insurance costs in Omaha, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| USAA | $1,292 |
| Auto-Owners | $1,329 |
| Nationwide | $1,358 |
| Geico | $1,801 |
| Shelter Insurance | $1,874 |
| Farmers Mut Ins Co of NE | $1,954 |
| Progressive | $2,088 |
| Iowa Farm Bureau | $2,521 |
| State Farm | $2,534 |
| Allstate | $2,690 |
Cheapest car insurance cost in Omaha by Age Group
Auto-Owners stands out as Omaha's cheapest auto insurance company for teen drivers at an average annual of $4,120. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.
USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Omaha at about $2,165 per year.
For Omaha drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $1,315 annually.
Nationwide is the cheapest option for senior drivers in Omaha, with an average premium of $1,220 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Auto-Owners | $4,120 | $2,417 | $1,351 | $1,402 |
| USAA | $4,277 | $2,165 | $1,315 | $1,270 |
| Farmers Mut Ins Co of NE | $4,580 | $3,161 | $1,960 | $1,749 |
| Nationwide | $5,072 | $2,381 | $1,338 | $1,220 |
| Shelter Insurance | $5,961 | $3,561 | $1,922 | $1,741 |
| Geico | $6,508 | $2,842 | $1,804 | $2,096 |
| Iowa Farm Bureau | $7,263 | $3,772 | $2,415 | $2,170 |
| State Farm | $7,442 | $4,270 | $2,548 | $2,424 |
| Allstate | $8,713 | $4,050 | $2,762 | $2,596 |
| Progressive | $9,872 | $3,467 | $2,107 | $1,828 |
Cheapest car insurance companies in Omaha by driver profile
Car insurance rates in Omaha vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
Finding the cheapest car insurance in Omaha requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
Below are some of the cheapest car insurance companies in Omaha by driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: Nationwide
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Omaha drivers at about $1,568 per year.
Drivers with poor or bad credit scores in Omaha can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,568 |
| Geico | $1,972 |
| USAA | $2,054 |
| Allstate | $2,790 |
| Farmers | $2,953 |
| Progressive | $4,605 |
| State Farm | $8,023 |
Cheapest for drivers with a speeding ticket: Geico
In Omaha, Geico provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,449, on average.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| Geico | $1,449 |
| Nationwide | $1,461 |
| USAA | $1,547 |
| Allstate | $1,972 |
| State Farm | $1,984 |
| Farmers | $2,654 |
| Progressive | $2,851 |
Cheapest auto insurance after an at-fault accident: Nationwide
Nationwide is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Omaha is $2,093. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| Nationwide | $2,093 |
| USAA | $2,095 |
| State Farm | $2,130 |
| Allstate | $2,659 |
| Geico | $3,015 |
| Farmers | $3,090 |
| Progressive | $3,749 |
Cheapest auto insurance after a DUI: State Farm
In Omaha, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,984 a year.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,984 |
| Allstate | $2,692 |
| USAA | $2,700 |
| Nationwide | $2,731 |
| Progressive | $2,858 |
| Farmers | $3,185 |
| Geico | $6,772 |
Average car insurance cost in Omaha
Full coverage car insurance in Omaha for a coverage limit of 100/300/100 is $1,944 per year or $162 per month, while the state minimum coverage costs an average of $486 a year.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $1,944 | $486 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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