Car Insurance in Omaha, Nebraska
Estimated full coverage in Omaha runs about $1,465 a year ($122/month) — ▲ +14% versus the Nebraska average, ranking 1st most expensive of the 8 Nebraska cities we cover.
Why car insurance in Omaha costs more than the Nebraska average
Insurers price by territory, and Omaha's numbers explain most of the gap. With 489,265 residents on 142.9 square miles, the city's density (3,423 people per square mile) is 9.9 times the density where the typical Nebraska resident lives (347). The average commute is 19.6 minutes (Nebraska: 19.2), and 72% of workers drive alone. Together these put our location factor at 1.14× the state baseline for liability and collision.
| Factor | Omaha | Nebraska ref. | Why it matters |
|---|---|---|---|
| Population density | 3,423 / sq mi | 347 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 19.6 min | 19.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.0% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 71.8% | — | Share of workers commuting by car. |
| Public transit to work | 1.0% | — | Transit use lowers how much residents drive. |
| Work from home | 15.1% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 7.5% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 78.7 | 77.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Omaha
Rates can change from one ZIP code to the next. Across 25 Omaha ZIP codes, our full-coverage estimate ranges from $1,380 in 68110 to $1,530 in 68107. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 68104 | 36,673 | 5,559 | 19.7 min | 9.8% | $1,500 | +2% |
| 68116 | 34,501 | 4,059 | 21.8 min | 3.6% | $1,500 | +2% |
| 68107 | 31,540 | 4,790 | 23.3 min | 9.4% | $1,530 | +4% |
| 68135 | 30,523 | 3,880 | 22.5 min | 1.8% | $1,505 | +3% |
| 68134 | 28,823 | 3,494 | 20.0 min | 8.2% | $1,470 | 0% |
| 68164 | 28,564 | 3,232 | 20.7 min | 2.4% | $1,470 | 0% |
| 68144 | 25,732 | 3,511 | 18.9 min | 4.4% | $1,455 | −1% |
| 68137 | 24,277 | 2,906 | 17.8 min | 3.1% | $1,430 | −2% |
| 68111 | 24,210 | 4,631 | 22.0 min | 16.6% | $1,515 | +3% |
| 68154 | 24,060 | 3,541 | 17.4 min | 6.5% | $1,440 | −2% |
| 68105 | 22,807 | 6,358 | 18.3 min | 10.6% | $1,495 | +2% |
| 68130 | 21,722 | 2,866 | 21.6 min | 0.8% | $1,475 | +1% |
| 68106 | 21,224 | 4,119 | 16.7 min | 7.6% | $1,445 | −1% |
| 68127 | 20,484 | 3,211 | 18.5 min | 6.0% | $1,445 | −1% |
| 68114 | 17,596 | 3,041 | 19.7 min | 11.2% | $1,455 | −1% |
| 68124 | 15,482 | 2,753 | 17.5 min | 5.5% | $1,425 | −3% |
| 68131 | 14,809 | 7,161 | 18.9 min | 13.7% | $1,510 | +3% |
| 68108 | 14,578 | 4,435 | 18.2 min | 10.9% | $1,465 | 0% |
| 68132 | 13,960 | 5,430 | 18.1 min | 8.5% | $1,480 | +1% |
| 68102 | 9,767 | 5,484 | 19.1 min | 12.1% | $1,490 | +2% |
| 68110 | 9,229 | 1,085 | 19.4 min | 13.7% | $1,380 | −6% |
| 68118 | 9,169 | 2,307 | 19.3 min | 3.9% | $1,430 | −2% |
| 68117 | 8,224 | 1,684 | 18.7 min | 4.0% | $1,400 | −4% |
| 68178 | 2,191 | 10,191 | 13.6 min | 18.1% | $1,470 | 0% |
| 68182 | 749 | 4,864 | 15.4 min | — | $1,440 | −2% |
Minimum car insurance in Omaha
Omaha drivers follow Nebraska's rules: at least 25/50/25 liability coverage, and uninsured motorist coverage. Nebraska is at-fault (tort). We estimate state-minimum coverage in Omaha at $460 a year, and $665 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Nebraska does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Underinsured motorist bodily injury coverage of at least 25/50 is required. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Omaha premiums
Accidents
Nebraska recorded 251 traffic deaths, or 1.15 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Nebraska's vehicle theft rate is 185 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Douglas County as very high for hail, relatively high for inland flooding and very high for strong wind.
Traffic & commuting
3.0% of Omaha commuters spend an hour or more getting to work, and there are 1.72 vehicles per household. 15.1% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.5 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.4 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 95.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 99.5 | Comprehensive; dwelling | |
| Winter weather | 98.3 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Omaha by driver profile
A clean-record driver in their 50s pays the least in our Omaha model (about $1,345 for full coverage); an 18-year-old on their own policy pays about $4,025, and a DUI pushes a 30-something to $2,705.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,260 | $1,830 | $4,025 | $335 |
| Young adult (22) | $735 | $1,065 | $2,340 | $195 |
| Adult in their 30s | $460 | $665 | $1,465 | $122 |
| Adult in their 50s | $420 | $610 | $1,345 | $112 |
| Senior (72) | $515 | $745 | $1,640 | $137 |
| 30s, one at-fault accident | $665 | $965 | $2,120 | $177 |
| 30s, DUI on record | $850 | $1,230 | $2,705 | $225 |
Minimum vs. standard vs. full coverage in Omaha
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $460 | $38 | $375–$540 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $665 | $55 | $545–$785 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,465 | $122 | $1,200–$1,725 |
Estimate your premium in Omaha
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Cheap car insurance in Omaha: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Omaha's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $115 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 15.1% of Omaha workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $440 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $800 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $320 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Omaha
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 88 offices listed below.
- Check complaint records with the Nebraska Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Omaha, our estimates differ by up to $150 a year between neighborhoods.
Car insurance agents near Omaha, NE
We found 88 insurance offices within about 9 miles of central Omaha, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Omaha National
9110 West Dodge Road, Omaha, NE 68114 -
Rudy Partida - State Farm
639 N 98th Street, Omaha, NE 68114 -
Michael P Briardy - Farmers Insurance
2201 N 90th St, Omaha, NE 68134 -
Alverez Insurance Agency
NE -
State Farm
NE -
Raymond Ekeh - American Family Insurance
155 N 72nd St, Omaha, NE 68114 -
State Farm
NE -
Drew Metzler - State Farm
10525 Pacific Street, Omaha, NE 68114 -
State Farm
NE -
Stockton Insurance Agency
1411 North 72nd Street, Omaha, NE 68114 -
Tom Demory - State Farm
9925 Maple St -, Suite B, Omaha, NE 68134 -
Quinten White - State Farm
3205 N 90th Street, Suite 102, Omaha, NE 68134 -
Jason Hack - American Family Insurance
7555 Maple St, Omaha, NE 68134 -
Katie Jean Poole - Farmers Insurance
6846 Pacific St, Omaha, NE 68106 -
United Insurance Agencies & Affordable Auto Insurance
1055 North 115th Street, #208, Omaha, NE 68154 -
Lon Eldon Peterson - Farmers Insurance
11605 W Dodge Rd, Omaha, NE 68154 -
Daniel Grzywa Agency, Inc.
8031 W Center Rd, Ste 209, Omaha, NE 68124 -
Allen Wilson - State Farm
10835 Cottonwood Ln, Omaha, NE 68164 -
Larry Smith - State Farm
11717 Burt Street, Suite 105, Omaha, NE 68154 -
Doug Bosse' - State Farm
2927 S 108th Street, Omaha, NE 68144 -
Maria Arroyo - Allstate
10810 Prairie Hills Dr, Omaha, NE 68144 -
State Farm
NE -
Dave R Corwin - Farmers Insurance
12111 Pacific St, Omaha, NE 68154 -
Ty Castle Agency INC
1915 N 121st St, Ste B, Omaha, NE 68154 -
Dustin Ourada - Farmers Insurance
2710 S 114th St, Omaha, NE 68144 -
Matt Dougherty State Farm
6067 Maple Street, , NE -
Farmers Insurance
NE -
Frederick Tyler - American Family Insurance
679 N 132nd St, Omaha, NE 68154 -
Edward Breckenridge - American Family Insurance
6020 Ames Ave, Omaha, NE 68104 -
Jeff Moore State Farm
4801 Center Street, Omaha, NE 68106 -
Dalton Richard Bohac - Farmers Insurance
13057 W Ctr Rd, Omaha, NE 68144 -
Tanya Patzner - State Farm
2835 S 132nd Street, Omaha, NE 68144 -
Janice Peterson - State Farm
9785 Q Street, Suite #4, Omaha, NE 68127 -
Adrian Enzastiga & Assoc. LLC
13304 W Center Rd, Ste 113, Omaha, NE 68144 -
Dan Wiemer - Allstate
13304 W Center Rd, Ste 210, Omaha, NE 68144 -
Kyle Marick - American Family Insurance
5052 S 108th St, Omaha, NE 68137 -
Farm Bureau
11006 Mockingbird Drive, Omaha, NE 68137 -
Steven Moor Agency, Inc.
13358 W Maple Rd, Omaha, NE 68164 -
GEICO
NE -
Mickey C Manley II - Farmers Insurance
12111 Anne St, Omaha, NE 68137
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Omaha
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,090 | −26% |
| Subaru Outback | Wagon | $1,110 | −24% |
| Tesla Model 3 | Midsize car | $1,515 | +3% |
| Subaru Forester | Small SUV | $1,090 | −26% |
| Honda Civic | Compact car | $1,630 | +11% |
| Toyota Corolla | Compact car | $1,525 | +4% |
| Jeep Wrangler | Midsize SUV | $1,150 | −22% |
| Mazda CX-5 | Small SUV | $1,215 | −17% |
| MINI Cooper | Subcompact car | $1,095 | −25% |
| Tesla Model Y | Midsize SUV | $1,365 | −7% |
More car insurance topics in Omaha
Car insurance in nearby Nebraska cities
- Papillion $1,460/yr · 8 mi
- Bellevue $1,460/yr · 10 mi
- Fremont $1,400/yr · 26 mi
- Lincoln $1,435/yr · 45 mi
- Norfolk $1,315/yr · 89 mi
- Grand Island $1,385/yr · 122 mi
- Kearney $1,360/yr · 163 mi
All Nebraska cities and state rules · Homeowners insurance in Omaha
Frequently asked questions
How much is car insurance in Omaha, NE?
We estimate full coverage in Omaha at about $1,465 a year ($122 a month) for a driver in their 30s with a clean record, and about $460 for Nebraska's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Omaha more expensive than the Nebraska average?
Our Omaha estimate is 14% higher than the statewide figure. The model reflects a population density of 3,423 people per square mile (the typical Nebraska resident lives at about 347) and an average commute of 19.6 minutes versus 19.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Omaha?
Drivers in Omaha follow Nebraska law: at least 25/50/25 liability coverage and uninsured motorist coverage.
Which ZIP code in Omaha has the cheapest car insurance?
Among Omaha's 25 ZIP codes, 68110 has the lowest estimate (about $1,380 a year for full coverage) and 68107 the highest (about $1,530), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Omaha?
An 18-year-old with their own full-coverage policy would pay around $4,025 a year in Omaha by our estimate ($1,260 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Omaha?
Yes. FEMA's National Risk Index rates Douglas County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Omaha?
We list 88 insurance offices in and around Omaha, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Nebraska Department of Insurance: Importance of Auto Insurance and Types of Coverage
- Neb. Rev. Stat. 44-6408 (uninsured and underinsured motorist coverage required)
- Nebraska DMV: SR-22 for Revocations/Suspensions
- Nebraska DMV: Insurance Requirements (Proof of Financial Responsibility)
- Nebraska Department of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Omaha and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places