Cheapest Car Insurance in Omaha, NE (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheapest Car Insurance in Omaha, NE (October 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 Quote
City, State
ZIP Code
$20 $244 Progressive 39 07/21/25 Omaha, NE 68111
$21 $246 Progressive 38 06/15/25 Omaha, NE 68154
$27 $328 Progressive 34 07/14/25 Omaha, NE 68154
$29 $348 Progressive 40 06/18/25 Omaha, NE 68135
$30 $360 Progressive 31 08/12/25 Omaha, NE 68154
$31 $372 Progressive 59 08/07/25 Omaha, NE 68111
$35 $422 Progressive 25 10/13/25 Omaha, NE 68104
$37 $438 Progressive 44 06/23/25 Omaha, NE 68114
$37 $446 Progressive 49 07/12/25 Omaha, NE 68116
$38 $452 Progressive 40 06/18/25 Omaha, NE 68117
Last Updated October 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
$48 $574 Progressive 40 06/17/25 Omaha, NE 68134
$53 $638 Progressive 39 06/17/25 Omaha, NE 68104
$60 $718 Progressive 73 09/03/25 Omaha, NE 68111
$66 $786 Progressive 45 06/25/25 Omaha, NE 68122
$68 $812 National General 45 06/27/25 Omaha, NE 68138
$71 $848 Progressive 41 06/19/25 Omaha, NE 68137
$75 $902 Progressive 66 09/25/25 Omaha, NE 68164
$76 $910 Progressive 62 09/24/25 Omaha, NE 68111
$76 $916 Progressive 47 06/29/25 Omaha, NE 68134
$78 $930 Progressive 49 07/13/25 Omaha, NE 68111
Last Updated October 2025

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

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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
$35 $422 Progressive 25 No 10/13/25 Omaha, NE 68104
$47 $560 Geico 29 No 06/12/25 Omaha, NE 68144
$59 $710 ROOT 28 No 06/08/25 Omaha, NE 68124
$61 $728 Geico 22 No 08/22/25 Omaha, NE 68112
$65 $774 ROOT 28 No 05/24/25 Omaha, NE 68131
$71 $848 Progressive 41 06/19/25 Omaha, NE 68137
$75 $902 Progressive 66 09/25/25 Omaha, NE 68164
$76 $910 Progressive 62 09/24/25 Omaha, NE 68111
$76 $916 Progressive 47 06/29/25 Omaha, NE 68134
$78 $930 Progressive 49 07/13/25 Omaha, NE 68111
Last Updated October 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
$21 $246 Progressive 38 No 06/15/25 Omaha, NE 68154
$27 $328 Progressive 34 No 07/14/25 Omaha, NE 68154
$29 $348 Progressive 40 No 06/18/25 Omaha, NE 68135
$38 $452 Progressive 40 No 06/18/25 Omaha, NE 68117
$39 $462 Progressive 46 No 06/30/25 Omaha, NE 68112
$71 $848 Progressive 41 06/19/25 Omaha, NE 68137
$75 $902 Progressive 66 09/25/25 Omaha, NE 68164
$76 $910 Progressive 62 09/24/25 Omaha, NE 68111
$76 $916 Progressive 47 06/29/25 Omaha, NE 68134
$78 $930 Progressive 49 07/13/25 Omaha, NE 68111
Last Updated October 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
$46 $546 National General 78 No 10/09/25 Omaha, NE 68116
$60 $714 ROOT 55 No 06/21/25 Omaha, NE 68154
$60 $718 Progressive 73 Yes 09/03/25 Omaha, NE 68111
$65 $776 Safeco 55 No 10/01/25 Omaha, NE 68164
$70 $837 Progressive 59 No 06/01/25 Omaha, NE 68137
$71 $848 Progressive 41 06/19/25 Omaha, NE 68137
$75 $902 Progressive 66 09/25/25 Omaha, NE 68164
$76 $910 Progressive 62 09/24/25 Omaha, NE 68111
$76 $916 Progressive 47 06/29/25 Omaha, NE 68134
$78 $930 Progressive 49 07/13/25 Omaha, NE 68111
Last Updated October 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
$21 $246 Progressive 38 06/15/25 No Omaha, NE 68154
$27 $328 Progressive 34 07/14/25 No Omaha, NE 68154
$29 $348 Progressive 40 06/18/25 No Omaha, NE 68135
$35 $422 Progressive 25 10/13/25 No Omaha, NE 68104
$38 $452 Progressive 40 06/18/25 No Omaha, NE 68117
$39 $462 Progressive 46 06/30/25 No Omaha, NE 68112
$39 $470 National General 40 06/18/25 No Omaha, NE 68134
$41 $486 Progressive 41 10/07/25 No Omaha, NE 68154
$42 $500 Progressive 48 09/29/25 No Omaha, NE 68102
$42 $508 Progressive 45 06/27/25 No Omaha, NE 68138
Last Updated October 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 $63 $754 Safeco 44 03/03/25 Omaha, NE 68117
<550 $74 $890 Progressive 36 03/20/25 Omaha, NE 68157
<550 $84 $1,004 Progressive 42 03/05/25 Omaha, NE 68137
<550 $87 $1,046 Progressive 44 12/30/24 Omaha, NE 68137
$39 $462 Progressive 46 Omaha, NE 68112
$39 $470 National General 40 Omaha, NE 68134
$41 $486 Progressive 41 Omaha, NE 68154
$42 $500 Progressive 48 Omaha, NE 68102
$42 $508 Progressive 45 Omaha, NE 68138
Last Updated October 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 $51 $608 Progressive 46 Yes 08/04/25 Omaha, NE 68130
At Fault With No Injury $55 $658 National General 39 No 10/13/25 Omaha, NE 68138
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 $724 Bristol West 70 No 10/02/25 Omaha, NE 68116
$39 $462 Progressive 46 No Omaha, NE 68112
$39 $470 National General 40 No Omaha, NE 68134
$41 $486 Progressive 41 No Omaha, NE 68154
$42 $500 Progressive 48 No Omaha, NE 68102
$42 $508 Progressive 45 No Omaha, NE 68138
Last Updated October 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 over 15 $81 $970 Progressive 27 08/28/25 Omaha, NE 68137
Speeding under 15 $98 $1,170 The General 31 06/27/25 Omaha, NE 68122
Speeding under 15 $98 $1,172 ROOT 30 07/02/25 Omaha, NE 68164
Speeding over 15 $106 $1,277 National General 39 05/16/25 Omaha, NE 68106
Speeding over 15 $111 $1,330 The General 32 05/02/25 Omaha, NE 68164
$39 $462 Progressive 46 06/30/25 Omaha, NE 68112
$39 $470 National General 40 06/18/25 Omaha, NE 68134
$41 $486 Progressive 41 10/07/25 Omaha, NE 68154
$42 $500 Progressive 48 09/29/25 Omaha, NE 68102
$42 $508 Progressive 45 06/27/25 Omaha, NE 68138
Last Updated October 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.

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Our experts
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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.

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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.
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