Cheapest car insurance in Omaha, Nebraska

Nebraska requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.

Filed per-carrier data
Methodology → All of Nebraska →

Pulled directly from carrier rate filings for this city.

With 486,051 residents, Omaha sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 64% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 20% less than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $106.61
02 Farmers Mutual of NebraskaFiled rate, credit/record adjusted $121.27
03 Auto-OwnersFiled rate, credit/record adjusted $129.91
04 GEICOFiled rate, credit/record adjusted $141.67
05 Shelter InsuranceFiled rate, credit/record adjusted $171.98
06 ProgressiveFiled rate, credit/record adjusted $182.82
07 AllstateFiled rate, credit/record adjusted $197.34
08 Iowa Farm BureauFiled rate, credit/record adjusted $294.10
Rate explainer
Why is your best rate $106.61 and not $209.31?

Omaha is priced against 8 insurers for the 25-55 driver, Full coverage, Excellent credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-11.42
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Excellent (modeled) $-29.68
Driving record, Clean (modeled) +$0.00
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.