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
|
|---|---|---|---|---|---|---|
| $41 | $496 | Progressive | 49 | June 25, 2025 | Omaha, NE | 68106 |
| $44 | $530 | Progressive | 33 | February 27, 2025 | Omaha, NE | 68114 |
| $49 | $584 | Progressive | 43 | May 22, 2025 | Omaha, NE | 68157 |
| $51 | $612 | Progressive | 38 | July 7, 2025 | Omaha, NE | 68154 |
| $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 |
| $59 | $706 | Progressive | 37 | January 13, 2025 | Omaha, NE | 68135 |
| $64 | $770 | National General | 65 | August 6, 2024 | Omaha, NE | 68117 |
| $66 | $788 | Progressive | 33 | January 21, 2024 | Omaha, NE | 68102 |
If you have a loan or lease on your vehicle, the lender will require
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $50 | $596 | Progressive | 62 | August 30, 2024 | Omaha, NE | 68106 |
| $64 | $762 | Progressive | 48 | April 5, 2025 | Omaha, NE | 68132 |
| $71 | $856 | Progressive | 60 | January 14, 2025 | Omaha, NE | 68134 |
| $73 | $872 | Progressive | 38 | July 31, 2024 | Omaha, NE | 68117 |
| $81 | $978 | Progressive | 25 | August 27, 2024 | Omaha, NE | 68144 |
| $85 | $1,024 | Progressive | 49 | June 25, 2025 | Omaha, NE | 68106 |
| $91 | $1,086 | Progressive | 75 | April 3, 2025 | Omaha, NE | 68111 |
| $101 | $1,206 | Progressive | 42 | September 22, 2024 | Omaha, NE | 68108 |
| $103 | $1,230 | Progressive | 30 | July 7, 2025 | Omaha, NE | 68154 |
| $103 | $1,234 | Progressive | 31 | March 20, 2025 | Omaha, NE | 68152 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $81 | $978 | Progressive | 25 | Yes | August 27, 2024 | Omaha, NE | 68144 |
| $93 | $1,116 | Assurance America | 27 | No | February 24, 2024 | Omaha, NE | 68114 |
| $95 | $1,134 | Progressive | 21 | No | June 26, 2025 | Omaha, NE | 68132 |
| $101 | $1,216 | Bristol West | 25 | No | June 17, 2025 | Omaha, NE | 68108 |
| $105 | $1,256 | Assurance America | 25 | No | May 25, 2024 | Omaha, NE | 68116 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $496 | Progressive | 49 | No | June 25, 2025 | Omaha, NE | 68106 |
| $44 | $530 | Progressive | 33 | No | February 27, 2025 | Omaha, NE | 68114 |
| $49 | $584 | Progressive | 43 | No | May 22, 2025 | Omaha, NE | 68157 |
| $51 | $612 | Progressive | 38 | No | July 7, 2025 | Omaha, NE | 68154 |
| $56 | $674 | Progressive | 33 | No | December 8, 2024 | Omaha, NE | 68108 |
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
|
|---|---|---|---|---|---|---|---|
| $50 | $596 | Progressive | 62 | Yes | August 30, 2024 | Omaha, NE | 68106 |
| $64 | $770 | National General | 65 | No | August 6, 2024 | Omaha, NE | 68117 |
| $68 | $820 | Progressive | 56 | No | November 13, 2024 | Omaha, NE | 68112 |
| $71 | $856 | Progressive | 60 | Yes | January 14, 2025 | Omaha, NE | 68134 |
| $77 | $920 | Bristol West | 64 | No | October 26, 2024 | Omaha, NE | 68127 |
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 Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $584 | Progressive | 43 | May 22, 2025 | No | Omaha, NE | 68157 |
| $50 | $596 | Progressive | 62 | August 30, 2024 | Yes | Omaha, NE | 68106 |
| $59 | $706 | Progressive | 37 | January 13, 2025 | No | Omaha, NE | 68135 |
| $64 | $762 | Progressive | 48 | April 5, 2025 | Yes | Omaha, NE | 68132 |
| $64 | $770 | National General | 65 | August 6, 2024 | No | Omaha, NE | 68117 |
| $66 | $788 | Progressive | 33 | January 21, 2024 | No | Omaha, NE | 68102 |
| $67 | $806 | National General | 40 | May 1, 2025 | No | Omaha, NE | 68131 |
| $68 | $820 | Progressive | 56 | November 13, 2024 | No | Omaha, NE | 68112 |
| $71 | $856 | Progressive | 60 | January 14, 2025 | Yes | Omaha, NE | 68134 |
| $74 | $890 | Progressive | 36 | March 20, 2025 | No | Omaha, NE | 68157 |
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 | $49 | $584 | Progressive | 43 | May 22, 2025 | Omaha, NE | 68157 |
| <550 | $56 | $674 | Progressive | 33 | December 8, 2024 | Omaha, NE | 68108 |
| <550 | $74 | $890 | Progressive | 36 | March 20, 2025 | Omaha, NE | 68157 |
| <550 | $79 | $950 | The General | 42 | May 26, 2025 | Omaha, NE | 68107 |
| <550 | $92 | $1,100 | Progressive | 30 | December 2, 2024 | Omaha, NE | 68138 |
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 | $51 | $612 | Progressive | 38 | No | July 7, 2025 | Omaha, NE | 68154 |
| 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 | $76 | $912 | National General | 30 | No | March 16, 2025 | Omaha, NE | 68124 |
| At Fault With No Injury | $93 | $1,116 | Assurance America | 27 | No | February 24, 2024 | Omaha, NE | 68114 |
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 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 | $87 | $1,038 | Progressive | 47 | December 15, 2024 | Omaha, NE | 68137 |
| Speeding under 15 | $106 | $1,269 | Dairyland | 50 | February 24, 2024 | Omaha, NE | 68104 |
| Speeding under 15 | $110 | $1,322 | Progressive | 27 | December 30, 2024 | Omaha, NE | 68124 |
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.
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 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.
