1. Home
  2. Car Insurance

Find the Best Car Insurance Companies in Omaha, NE

Car ownership is the biggest annual expense after buying a home. Purchasing car insurance protects your investment and covers the cost of damages. We researched the best car insurance in Omaha to help you understand how insurance rates are priced and find coverage to fit your needs.

Take an Extended Auto Warranty Quiz

Get matched with an Authorized Partner

Compare Top Car Insurance

Overall satisfaction rating
  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Omaha
Compare Quotes Read More
Overall satisfaction rating
  • Bundle plans & save
  • Snapshot driving tool
  • Comprehensive coverage
  • Available in Omaha
Compare Quotes Read More
Liberty Mutual
Overall satisfaction rating
  • Trusted for over 100 years
  • 24/7 claims online
  • 12-month rate guarantee
  • Available in Omaha
Compare Quotes Read More

How to choose a car insurance company in Omaha

Omaha skyline

Car insurance rates are based on the risk to insure your vehicle. Rates vary due to both personal and geographic factors used to calculate the cost of your premium, such as:

  • Driving record
  • Type and amount of coverage
  • Make and model of insured vehicle
  • Credit history
  • ZIP code, including population density, crime rates and weather

The average cost of car insurance in the U.S. is $1,365 per year, according to a 2018 study by insure.com. Rates in Omaha hover around the national average but are higher than Nebraska’s average premium of $1,214.

Auto insurance tends to cost less in the suburbs of Papillion (68046), Elkhorn (68022) and Chalco (68138) because crime rates are lower. The Northeast region of Omaha has the highest car insurance rates in the city due to higher crime.

Average rates for car insurance in Omaha

Neighborhood or suburb Liability only annual premium Full coverage annual premium Compared to national average for full coverage auto insurance
Downtown (68102) $538 $1,306 – 4%
Dundee-Happy Hollow (68132) $541 $1,270 – 7%
Papillion (68046) $440 $1,058 – 22%
Chalco (68138) $434 $1,055 – 23%
Elkhorn (68022) $431 $1,072 – 21%
East Omaha (68110) $571 $1,423 + 4%
North Omaha (68111) $574 $1,412 + 3%
Northeast Omaha (68104) $561 $1,331 – 2%
Florence (68112) $555 $1,358 – 0.5%
Note: Based on purchasing liability coverage for a 40-year-old male.

It’s important to have car insurance in Omaha to protect your vehicle as well as cover costs of injury or property damage suffered by others if you were in an accident. The big difference between liability only and full coverage is that liability insurance doesn’t cover damage to your car. To insure your car, you would need collision or full coverage. The state minimum liability insurance costs less than full coverage auto insurance as seen above.

Nebraska requires the following auto policy minimums:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury all people injured
  • $25,000 for property damage

Nebraska is known for severe weather in the form of hail, flash flooding and icy winter conditions. Full coverage auto insurance protects your car from damage caused by severe weather and anything other than a collision. This is why full coverage costs more than collision and liability car insurance.

For a more detailed look at factors and rates, see the Nebraska Department of Insurance’s auto insurance rate guide from 2016. For tips on how to save money on car insurance, visit the website for the Nebraska Department of Insurance.

Car Insurance Reviews


Progressive is a nationwide insurance company that offers discounts on car insurance for bundling it with homeowners insurance. A discount unique to the company is their safe driver discount. Almost 40 locations in the Omaha metro have a Progressive insurance agent on staff. Customers say progressive customer service staff has a reputation for being friendly and helpful.

Progressive Compare Quotes

Liberty Mutual

Liberty Mutual offers many types of insurance, including auto, rental and home. Omaha customers can qualify for a discounted rate on multiple policies and those with a good driving record. Online reviews show that customers like using the company’s online portal to manage their policies and file claims.

Liberty Mutual Compare Quotes

The General

The General is known for insuring drivers with previous claims, poor driving records and lower credit scores. The General offers multiple payment options for Omaha drivers. Reviewers compliment the customer experience and competitive pricing, although some gave negative reviews for a long claims process.

The General

State Farm Insurance Agent: Rudy Partida

A local State Farm agent, Rudy Partida, is a popular choice with Omaha residents. He has 15 years of financial service experience and offers auto, homeowners, life and business insurance. Omaha drivers love the friendly and knowledgeable staff on Rudy’s bilingual team. They also appreciate money saved through bundling their auto and home insurance as well as the staff’s outstanding customer service.

State Farm Insurance Agent: Rudy Partida

State Farm Insurance Agent: Cyrus Jaffery

Cyrus Jaffery is a local State Farm agent who offers auto, life, homeowners and business insurance. He and his bilingual team focus on the insurance needs of families in the Omaha area. Omaha customers say it’s a great experience working with them. Customers like how the staff takes their time going over the policies and answering questions.

State Farm Insurance Agent: Cyrus Jaffery