Cheapest Car Insurance in Omaha, NE (December 2025)

Written by Xuyun Zeng and 1 other

Updated Dec 8, 2025

Cheapest Car Insurance in Omaha, NE (December 2025)

Omaha is big enough to have major thoroughfares but may not suffer from heavy traffic that’s comparable to other metropolitan areas. The low rate of natural disasters in Omaha may be an advantage for drivers looking for cheap car insurance.

Find insurance savings

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

Written by Xuyun Zeng and 1 other

Updated Dec 8, 2025

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.

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 insu rance 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

Find savings now

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

$61	$728	37	06/14/25	68137
$61	$732	40	06/18/25	68130
$62	$744	39	07/21/25	68111
$65	$784	39	06/17/25	68104
$66	$794	44	06/23/25	68108
$68	$810	43	06/21/25	68137
$68	$818	37	06/16/25	68106
$69	$832	56	09/13/25	68116
$72	$868	23	07/30/25	68107
$78	$930	38	06/17/25	68154

Last Updated Dec. 8, 2025

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

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$50	$594	23	No	07/30/25	68107
$55	$658	26	No	10/22/25	68134
$55	$658	27	No	09/24/25	68116
$62	$746	26	No	06/17/25	68137
$65	$784	27	No	10/06/25	68108
$68	$810	43		06/21/25	68137
$68	$818	37		06/16/25	68106
$69	$832	56		09/13/25	68116
$72	$868	23		07/30/25	68107
$78	$930	38		06/17/25	68154

Last Updated Dec. 8, 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

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$24	$290	38	No	06/17/25	68164
$33	$394	32	No	07/28/25	68106
$35	$418	37	No	09/20/25	68108
$35	$422	45	No	06/21/25	68108
$37	$442	39	No	09/18/25	68107
$68	$810	43		06/21/25	68137
$68	$818	37		06/16/25	68106
$69	$832	56		09/13/25	68116
$72	$868	23		07/30/25	68107
$78	$930	38		06/17/25	68154

Last Updated Dec. 8, 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

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$21	$256	74	No	10/22/25	68112
$25	$302	64	No	09/07/25	68117
$32	$388	56	No	09/13/25	68116
$37	$446	71	No	12/01/25	68104
$39	$462	65	No	08/10/25	68157
$68	$810	43		06/21/25	68137
$68	$818	37		06/16/25	68106
$69	$832	56		09/13/25	68116
$72	$868	23		07/30/25	68107
$78	$930	38		06/17/25	68154

Last Updated Dec. 7, 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

Monthly Quote	Annual Quote	Age	Date of Quote	Has Full Coverage	ZIP Code

$24	$290	38	06/17/25	No	68164
$32	$386	56	09/13/25	No	68116
$32	$386	66	09/25/25	No	68164
$33	$394	32	07/28/25	No	68106
$35	$418	37	09/20/25	No	68108
$35	$422	45	06/21/25	No	68108
$37	$442	39	09/18/25	No	68107
$39	$468	40	06/21/25	No	68152
$41	$490	46	10/10/25	No	68105
$41	$494	50	09/22/25	No	68112

Last Updated Dec. 8, 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

Credit Score	Monthly Quote	Annual Quote	Age	Date of Policy	ZIP Code

<550	$43	$516	39	11/03/25	68127
<550	$50	$594	52	11/11/25	68135
<550	$53	$634	44	03/03/25	68117
<550	$56	$674	32	12/08/24	68108
<550	$56	$676	34	12/02/25	68106
	$35	$422	45		68108
	$37	$442	39		68107
	$39	$468	40		68152
	$41	$490	46		68105
	$41	$494	50		68112

Last Updated Dec. 9, 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 Accident on Record	Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Policy	ZIP Code

At Fault With No Injury	$46	$546	34	No	03/30/25	68116
At Fault With No Injury	$50	$594	52	No	11/11/25	68135
At Fault With No Injury	$51	$608	46	Yes	08/04/25	68130
At Fault With No Injury	$51	$616	45	No	03/18/25	68107
At Fault With No Injury	$52	$618	55	No	10/04/25	68134
	$35	$422	45	No		68108
	$37	$442	39	No		68107
	$39	$468	40	No		68152
	$41	$490	46	No		68105
	$41	$494	50	No		68112

Last Updated Dec. 9, 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

Violation Summary	Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

Speeding under 15	$68	$814	31	06/27/25	68122
Speeding under 15	$69	$830	35	11/26/25	68134
Speeding under 15	$117	$1,404	47	11/16/25	68154
Speeding under 15	$130	$1,556	24	06/11/25	68117
Speeding under 15	$137	$1,642	56	11/17/25	68134
	$35	$422	45	06/21/25	68108
	$37	$442	39	09/18/25	68107
	$39	$468	40	06/21/25	68152
	$41	$490	46	10/10/25	68105
	$41	$494	50	09/22/25	68112

Last Updated Dec. 5, 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.

Expert-driven. Built for you.

Our experts

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.

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.