Car ownership is the biggest annual expense after buying a home. Purchasing car insurance protects your investment and covers the cost of damages. Our partners at ConsumerAffairs researched the best car insurance in Omaha to help you understand how insurance rates are priced and find coverage to fit your needs.
United Insurance Agencies and Affordable Auto Insurance
M-F: 8am - 4:30pm
Closed Sat and Sun
1055 N. 115th St., Ste. 208
Omaha, NE 68154
State Farm: Matt Rowe
M-F: 9am - 6pm
Closed Sat and Sun
4845 N. 72nd St.
Omaha, NE 68134
How to choose a car insurance company in Omaha
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:
Type and amount of coverage
Make and model of insured vehicle
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
Dundee-Happy Hollow (68132)
East Omaha (68110)
North Omaha (68111)
Northeast Omaha (68104)
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.
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.
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.
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.
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: 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.