Cheap Auto Insurance Quotes in Omaha, NE

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Nebraska Car Insurance Averages for Annual Premiums

$389
Minimum Coverage Average
$1329
Full Coverage Average
$934
All Coverage Types Average

Cheapest Car Insurance in Omaha, NE

Getting cheap car insurance in Omaha, NE doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle you purchase

Make sure you ask the agent you speak with about what you can do to get Nebraska affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Omaha, NE

The Insureist™ Data Science team ranks the best insurance companies in Nebraska using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Nebraska are determined based on these results.

Car Insurance in Omaha, NE

Nebraska Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Nebraska to give you an idea of the average insurance premium in each city.  NE insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Omaha, NE Car Insurance Quotes

The cheapest insurance companies in Nebraska will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Nebraska. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Nebraska.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for NE car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for NE auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some NE insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Omaha, NE SR‌-22 Insurance

You will need to get SR‌-22 insurance in NE if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DMV/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in NE files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Omaha, NE Car Insurance & Driving Facts

Which car insurance is best in Omaha, NE?

The best car insurance company in Omaha, NE will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple NE insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Omaha, NE?

The minimum auto insurance liability coverage required in Omaha, NE is 25/50/25. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $25000 property damage coverage per accident. While these are the legal minimums to drive in Nebraska, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional NE auto insurance coverage depending on your financial situation.

How much does car insurance cost in Omaha, NE?

The average annual cost of an auto insurance policy in Nebraska is $934. The average minimum coverage annual cost in Nebraska is $389. The average full coverage annual cost in Nebraska is $1329.

How does car insurance work in Omaha, NE?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Omaha, NE?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Omaha, NE Map

Omaha, NE

Nebraska

Vehicle Insurance

Cities

Omaha ( OH-mə-hah) is the largest city in the U.S. state of Nebraska and the county seat of Douglas County. Omaha is in the Midwestern United States on the Missouri River, about 10 miles (15 km) north of the mouth of the Platte River (also known as the Nebraska River). The nation's 40th-largest city, Omaha's 2019 estimated population was 478,192, compared to its 2010 census population of 408,958. It is the second-largest city in the Great Plains states (behind Oklahoma City), the second-largest city along the Missouri River (behind Kansas City, Missouri), and the seventh-largest city in the Midwest.

Omaha is the anchor of the eight-county, bi-state Omaha-Council Bluffs metropolitan area. The Omaha Metropolitan Area is the 59th largest in the United States, with an estimated population of 944,316 (2018). The Omaha-Council Bluffs-Fremont, NE-IA Combined Statistical Area (CSA) encompasses the Omaha-Council Bluffs MSA as well as the separate Fremont, NE Micropolitan Statistical Area, which consists of the entirety of Dodge County, Nebraska. The total population of the CSA was 970,023 based on 2017 estimates. Approximately 1.3 million people reside within the Greater Omaha area, within a 50 mi (80 km) radius of Downtown Omaha.

Omaha's pioneer period began in 1854, when the city was founded by speculators from neighboring Council Bluffs, Iowa. The city was founded along the Missouri River, and a crossing called Lone Tree Ferry earned the city its nickname, the "Gateway to the West". Omaha introduced this new West to the world in 1898, when it played host to the World's Fair, dubbed the Trans-Mississippi Exposition. During the 19th century, Omaha's central location in the United States spurred the city to become an important national transportation hub. Throughout the rest of the 19th century, the transportation and jobbing sectors were important in the city, along with its railroads and breweries. In the 20th century, the Omaha Stockyards, once the world's largest, and its meatpacking plants gained international prominence.

Today, Omaha is the home to the headquarters of four Fortune 500 companies: mega-conglomerate Berkshire Hathaway; one of the world's largest construction companies, Kiewit Corporation; insurance and financial firm Mutual of Omaha; and the United States' largest railroad operator, Union Pacific Corporation. Berkshire Hathaway is headed by local investor Warren Buffett, one of the wealthiest people in the world, according to a decade's worth of Forbes rankings, some of which have ranked him as high as No. 1.

Omaha is also the home to five Fortune 1000 headquarters: Green Plains Renewable Energy, TD Ameritrade, Valmont Industries, Werner Enterprises, and West Corporation. Also headquartered in Omaha are the following: First National Bank of Omaha, the largest privately held bank in the United States; three of the nation's ten largest architecture/engineering firms (DLR Group, HDR, Inc., and Leo A Daly); and the Gallup Organization, of Gallup Poll fame, and its riverfront Gallup University.

Notable modern Omaha inventions include the following: the "pink hair curler" created at Omaha's Tip Top Products; Butter Brickle Ice Cream, and the Reuben sandwich, conceived by a chef at the then–Blackstone Hotel on 36th and Farnam Streets; cake mix, developed by Duncan Hines, then a division of Omaha's Nebraska Consolidated Mills, the forerunner to today's ConAgra Foods; center-pivot irrigation by the Omaha company now known as Valmont Corporation;Raisin Bran, developed by Omaha's Skinner Macaroni Co.; the first ski lift in the U.S., in 1936, by Omaha's Union Pacific Corp.; the Top 40 radio format, pioneered by Todd Storz, scion of Omaha's Storz Brewing Co. and head of Storz Broadcasting, and first used in the U.S. at Omaha's KOWH Radio; and the TV dinner, developed by Omaha's Carl A. Swanson.

Source

Nebraska is a state in the Midwestern region of the United States. It is bordered by South Dakota to the north; Iowa to the east and Missouri to the southeast, both across the Missouri River; Kansas to the south; Colorado to the southwest; and Wyoming to the west. It is the only triply landlocked U.S. state.

Indigenous peoples, including Omaha, Missouria, Ponca, Pawnee, Otoe, and various branches of the Lakota (Sioux) tribes, lived in the region for thousands of years before European exploration. The state is crossed by many historic trails, including that of the Lewis and Clark Expedition.

Nebraska's area is just over 77,220 square miles (200,000 km2) with a population of almost 1.9 million. Its capital is Lincoln, and its largest city is Omaha, which is on the Missouri River. Nebraska was admitted into the United States in 1867, two years after the end of the American Civil War. The Nebraska Legislature is unlike any other American legislature in that it is unicameral, and its members are elected without any official reference to political party affiliation.

Nebraska is composed of two major land regions: the Dissected Till Plains and the Great Plains. The Dissected Till Plains region consists of gently rolling hills and contains the state's largest cities, Omaha and Lincoln. The Great Plains region, occupying most of western Nebraska, is characterized by treeless prairie. Nebraska has two major climatic zones. The eastern two-thirds of the state has a humid continental climate (Köppen climate classification Dfa); a unique warmer subtype considered "warm-temperate" exists near the southern plains, which is analogous to that in Kansas and Oklahoma, which have a predominantly humid subtropical climate. The Panhandle and adjacent areas bordering Colorado have a primarily semi-arid climate (Köppen BSk). The state has wide variations between winter and summer temperatures, variations that decrease moving south within the state. Violent thunderstorms and tornadoes occur primarily during spring and summer and sometimes in autumn. Chinook wind tends to warm the state significantly in the winter and early spring.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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