Cheapest Car Insurance in Omaha, NE (May 2025)

Written by Xuyun Zeng and 1 other
Updated Jan 4, 2025
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Cheapest Car Insurance in Omaha, NE (May 2025)

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Driving in Omaha can be a happy medium between busy metropolitans with more congested roads and smaller towns with fewer major thoroughfares. Residents may encounter the occasional deep freeze or big flood, but aren’t frequently plagued by natural disasters, which tend to lead to higher car insurance rates. This means Omaha residents may have easier access to low premiums than those in coastal cities, but it still pays to compare rates from multiple insurers.

We’ve gathered car insurance quote data from Jerry customers in Omaha to show you how your age, driving record and preferred coverage impact your rate.

Cheapest minimum coverage insurance in Omaha

Nebraska requires drivers to have this minimum level of insurance:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.
  • $25,000 in uninsured motorist coverage per person.
  • $50,000 in uninsured motorist coverage per accident.

Here are the cheapest car insurance quotes that Jerry customers in Omaha have received for minimum coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$43 $512 Progressive 24 July 28, 2024 Omaha, NE 68127
$44 $530 Progressive 33 February 27, 2025 Omaha, NE 68114
$49 $584 Progressive 43 May 22, 2025 Omaha, NE 68157
$49 $588 National General 42 March 10, 2025 Omaha, NE 68138
$49 $590 Progressive 58 December 6, 2024 Omaha, NE 68111
$50 $600 Progressive 56 April 8, 2025 Omaha, NE 68157
$52 $620 Progressive 36 February 6, 2024 Omaha, NE 68135
$56 $674 Progressive 33 December 8, 2024 Omaha, NE 68108
$56 $676 Progressive 33 September 13, 2024 Omaha, NE 68122
$57 $688 Progressive 48 March 21, 2025 Omaha, NE 68136
Last Updated May 29, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Omaha

The minimum coverage likely won’t help protect you if your car is stolen or subject to a severe weather event, such as hail, tornadoes or flash flooding — you’ll need full coverage in those circumstances.

SIMPLIFY YOUR CAR INSURANCE IN MINUTES WITH JERRY
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$34 $406 Progressive 43 November 5, 2024 Omaha, NE 68116
$39 $466 Progressive 48 April 5, 2025 Omaha, NE 68132
$50 $596 Progressive 62 August 30, 2024 Omaha, NE 68106
$52 $618 Progressive 60 January 14, 2025 Omaha, NE 68134
$61 $734 Progressive 77 October 25, 2024 Omaha, NE 68134
$68 $818 Progressive 34 November 11, 2024 Omaha, NE 68137
$74 $886 Progressive 58 January 16, 2025 Omaha, NE 68104
$75 $896 Progressive 20 December 5, 2024 Omaha, NE 68117
$75 $904 National General 37 May 20, 2025 Omaha, NE 68136
$79 $950 Bristol West 71 February 7, 2025 Omaha, NE 68134
Last Updated May 29, 2025

Cheapest car insurance for young drivers in Omaha (18-29 years old)

Drivers in Omaha between 18 and 29 years old generally pay higher rates for auto insurance, which is even more reason to shop for savings. These are the cheapest quotes that younger Jerry customers in Omaha have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$43 $512 Progressive 24 No July 28, 2024 Omaha, NE 68127
$67 $800 National General 25 No May 25, 2024 Omaha, NE 68116
$75 $896 Progressive 20 Yes December 5, 2024 Omaha, NE 68117
$77 $926 Safeco 29 No December 6, 2024 Omaha, NE 68152
$79 $951 Dairyland 24 No February 22, 2025 Omaha, NE 68104
Last Updated May 29, 2025

Cheapest car insurance for mature drivers in Omaha (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$34 $406 Progressive 43 Yes November 5, 2024 Omaha, NE 68116
$39 $466 Progressive 48 Yes April 5, 2025 Omaha, NE 68132
$44 $530 Progressive 33 No February 27, 2025 Omaha, NE 68114
$49 $584 Progressive 43 No May 22, 2025 Omaha, NE 68157
$49 $588 National General 42 No March 10, 2025 Omaha, NE 68138
Last Updated May 29, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$49 $590 Progressive 58 No December 6, 2024 Omaha, NE 68111
$50 $600 Progressive 56 No April 8, 2025 Omaha, NE 68157
$58 $700 Progressive 60 No December 13, 2024 Omaha, NE 68105
$61 $734 Progressive 77 Yes October 25, 2024 Omaha, NE 68134
$61 $736 National General 55 No March 11, 2025 Omaha, NE 68111
Last Updated May, 2025

Cheapest car insurance for drivers with clean records in Omaha

Here are the cheapest quotes drivers in Omaha with a no claims or violations have received, based on Jerry customer data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$34 $406 Progressive 43 November 5, 2024 Yes Omaha, NE 68116
$39 $466 Progressive 48 April 5, 2025 Yes Omaha, NE 68132
$49 $584 Progressive 43 May 22, 2025 No Omaha, NE 68157
$49 $588 National General 42 March 10, 2025 No Omaha, NE 68138
$49 $590 Progressive 58 December 6, 2024 No Omaha, NE 68111
$50 $596 Progressive 62 August 30, 2024 Yes Omaha, NE 68106
$50 $600 Progressive 56 April 8, 2025 No Omaha, NE 68157
$52 $618 Progressive 60 January 14, 2025 Yes Omaha, NE 68134
$52 $620 Progressive 36 February 6, 2024 No Omaha, NE 68135
$59 $706 Progressive 37 January 13, 2025 No Omaha, NE 68135
Last Updated May 29, 2025

Cheapest car insurance for drivers with low credit scores in Omaha

A low credit score can mean a higher car insurance rate. Here are the cheapest rates drivers with credit scores below 550 received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $52 $620 Progressive 36 February 6, 2024 Omaha, NE 68135
<550 $84 $1,008 The General 44 March 3, 2025 Omaha, NE 68117
<550 $92 $1,104 Progressive 36 March 20, 2025 Omaha, NE 68157
<550 $97 $1,164 National General 47 February 28, 2025 Omaha, NE 68108
<550 $102 $1,224 Dairyland 55 November 30, 2023 Omaha, NE 68135
Last Updated May, 2025

Cheapest car insurance for drivers with at-fault accidents in Omaha

Here are some of the cheapest quotes for drivers in Omaha with an at-fault accident on their record, based on real Jerry quotes:

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $56 $674 Progressive 33 No December 8, 2024 Omaha, NE 68108
At Fault With No Injury $56 $676 Progressive 33 No September 13, 2024 Omaha, NE 68122
At Fault With No Injury $67 $800 National General 25 No May 25, 2024 Omaha, NE 68116
At Fault With No Injury $74 $884 Root 39 No April 25, 2025 Omaha, NE 68116
At Fault With No Injury $75 $904 National General 37 Yes May 20, 2025 Omaha, NE 68136
Last Updated May 29, 2025

Cheapest car insurance for drivers with speeding tickets in Omaha

Here are some the cheapest quotes for drivers in Omaha with a speeding ticket, based on real Jerry quotes:

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $43 $512 Progressive 24 July 28, 2024 Omaha, NE 68127
Speeding under 15 $56 $674 Progressive 33 December 8, 2024 Omaha, NE 68108
Speeding under 15 $56 $676 Progressive 33 September 13, 2024 Omaha, NE 68122
Speeding under 15 $75 $896 Progressive 20 December 5, 2024 Omaha, NE 68117
Speeding over 15 $76 $908 National General 32 May 2, 2025 Omaha, NE 68164
Last Updated May 29, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.