Cheapest Car Insurance in Omaha, NE (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 7, 2025
Insurance price card

Cheapest Car Insurance in Omaha, NE (October 2025)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Why you can trust Jerry’s editorial content
Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced researchers and writers. Facts are thoroughly researched, independently verified and routinely updated. Read more about our editorial standards and how we make money.

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 Quote
City, State
ZIP Code
$28 $338 Progressive 43 06/21/25 Omaha, NE 68137
$28 $340 Progressive 55 09/10/25 Omaha, NE 68144
$29 $344 Geico 34 09/12/25 Omaha, NE 68127
$35 $420 National General 41 06/02/25 Omaha, NE 68112
$39 $470 Geico 34 04/30/25 Omaha, NE 68102
$40 $476 National General 62 08/05/25 Omaha, NE 68105
$40 $482 Progressive 25 05/02/25 Omaha, NE 68104
$41 $494 Progressive 50 09/22/25 Omaha, NE 68112
$42 $500 Progressive 33 08/28/25 Omaha, NE 68127
$43 $514 Bristol West 70 09/28/25 Omaha, NE 68116
Last Updated Oct. 3, 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.

More: Best car insurance companies

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 Quote
City, State
ZIP Code
$36 $430 Progressive 59 06/01/25 Omaha, NE 68137
$57 $686 Progressive 66 05/01/25 Omaha, NE 68127
$58 $700 Progressive 38 06/15/25 Omaha, NE 68154
$59 $702 Progressive 40 06/18/25 Omaha, NE 68105
$59 $702 Progressive 58 07/26/25 Omaha, NE 68102
$61 $732 Progressive 40 06/18/25 Omaha, NE 68130
$65 $780 Progressive 44 06/23/25 Omaha, NE 68136
$66 $788 Progressive 37 06/13/25 Omaha, NE 68116
$66 $788 Progressive 37 06/15/25 Omaha, NE 68022
$69 $832 Progressive 54 08/12/25 Omaha, NE 68138
Last Updated Oct. 5, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Cheapest car insurance in Nebraska

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 Quote
City, State
ZIP Code
$40 $482 Progressive 25 No 05/02/25 Omaha, NE 68104
$43 $518 Progressive 26 No 05/13/25 Omaha, NE 68138
$48 $570 Progressive 28 No 06/29/25 Omaha, NE 68144
$59 $704 Progressive 29 No 08/05/25 Omaha, NE 68108
$61 $730 ROOT 22 No 05/30/25 Omaha, NE 68131
$61 $732 Progressive 40 06/18/25 Omaha, NE 68130
$65 $780 Progressive 44 06/23/25 Omaha, NE 68136
$66 $788 Progressive 37 06/13/25 Omaha, NE 68116
$66 $788 Progressive 37 06/15/25 Omaha, NE 68022
$69 $832 Progressive 54 08/12/25 Omaha, NE 68138
Last Updated Oct. 5, 2025

More: Best car insurance in Nebraska

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$28 $338 Progressive 43 No 06/21/25 Omaha, NE 68137
$29 $344 Geico 34 No 09/12/25 Omaha, NE 68127
$35 $420 National General 41 No 06/02/25 Omaha, NE 68112
$41 $494 Progressive 50 No 09/22/25 Omaha, NE 68112
$42 $500 Progressive 33 No 08/28/25 Omaha, NE 68127
$61 $732 Progressive 40 06/18/25 Omaha, NE 68130
$65 $780 Progressive 44 06/23/25 Omaha, NE 68136
$66 $788 Progressive 37 06/13/25 Omaha, NE 68116
$66 $788 Progressive 37 06/15/25 Omaha, NE 68022
$69 $832 Progressive 54 08/12/25 Omaha, NE 68138
Last Updated Oct. 5, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$28 $340 Progressive 55 No 09/10/25 Omaha, NE 68144
$43 $514 Bristol West 70 No 09/28/25 Omaha, NE 68116
$45 $540 Bristol West 56 No 09/07/25 Omaha, NE 68105
$46 $554 National General 64 No 09/07/25 Omaha, NE 68117
$53 $630 Progressive 56 No 07/14/25 Omaha, NE 68107
$61 $732 Progressive 40 06/18/25 Omaha, NE 68130
$65 $780 Progressive 44 06/23/25 Omaha, NE 68136
$66 $788 Progressive 37 06/13/25 Omaha, NE 68116
$66 $788 Progressive 37 06/15/25 Omaha, NE 68022
$69 $832 Progressive 54 08/12/25 Omaha, NE 68138
Last Updated Oct. 3, 2025

More: Best car insurance for seniors

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 Quote
Has Full Coverage
City, State
ZIP Code
$28 $338 Progressive 43 06/21/25 No Omaha, NE 68137
$28 $340 Progressive 55 09/10/25 No Omaha, NE 68144
$29 $344 Geico 34 09/12/25 No Omaha, NE 68127
$35 $420 National General 41 06/02/25 No Omaha, NE 68112
$40 $482 Progressive 25 05/02/25 No Omaha, NE 68104
$41 $494 Progressive 50 09/22/25 No Omaha, NE 68112
$42 $500 Progressive 33 08/28/25 No Omaha, NE 68127
$43 $514 Bristol West 70 09/28/25 No Omaha, NE 68116
$43 $518 Progressive 26 05/13/25 No Omaha, NE 68138
$44 $524 National General 50 05/25/25 No Omaha, NE 68116
Last Updated Oct. 5, 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 $56 $674 Progressive 33 12/08/24 Omaha, NE 68108
<550 $79 $950 The General 42 05/26/25 Omaha, NE 68107
<550 $87 $1,046 Progressive 44 12/30/24 Omaha, NE 68137
<550 $89 $1,062 Progressive 48 11/11/24 Omaha, NE 68127
<550 $92 $1,100 Progressive 30 12/02/24 Omaha, NE 68138
$41 $494 Progressive 50 Omaha, NE 68112
$42 $500 Progressive 33 Omaha, NE 68127
$43 $514 Bristol West 70 Omaha, NE 68116
$43 $518 Progressive 26 Omaha, NE 68138
$44 $524 National General 50 Omaha, NE 68116
Last Updated Oct. 5, 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 $48 $576 Progressive 49 No 08/20/25 Omaha, NE 68104
At Fault With No Injury $51 $608 Progressive 46 Yes 08/04/25 Omaha, NE 68130
At Fault With No Injury $56 $674 Progressive 33 No 12/08/24 Omaha, NE 68108
At Fault With No Injury $56 $676 Progressive 33 No 09/13/24 Omaha, NE 68122
At Fault With No Injury $60 $722 National General 26 No 10/04/25 Omaha, NE 68107
$41 $494 Progressive 50 No Omaha, NE 68112
$42 $500 Progressive 33 No Omaha, NE 68127
$43 $514 Bristol West 70 No Omaha, NE 68116
$43 $518 Progressive 26 No Omaha, NE 68138
$44 $524 National General 50 No Omaha, NE 68116
Last Updated Oct. 6, 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 Quote
City, State
ZIP Code
Speeding under 15 $57 $686 Geico 31 06/27/25 Omaha, NE 68122
Speeding under 15 $57 $688 National General 37 06/13/25 Omaha, NE 68137
Speeding under 15 $83 $998 ROOT 23 10/01/25 Omaha, NE 68134
Speeding under 15 $90 $1,082 ROOT 24 06/16/25 Omaha, NE 68154
Speeding under 15 $98 $1,172 ROOT 30 07/02/25 Omaha, NE 68164
$41 $494 Progressive 50 09/22/25 Omaha, NE 68112
$42 $500 Progressive 33 08/28/25 Omaha, NE 68127
$43 $514 Bristol West 70 09/28/25 Omaha, NE 68116
$43 $518 Progressive 26 05/13/25 Omaha, NE 68138
$44 $524 National General 50 05/25/25 Omaha, NE 68116
Last Updated Oct. 8, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 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.
You're minutes away from insurance savings.