Cheapest Car Insurance in Omaha, NE

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

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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
$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
$58 $700 Progressive 60 December 13, 2024 Omaha, NE 68105
$59 $712 Progressive 49 November 1, 2024 Omaha, NE 68164
$61 $734 Progressive 77 October 25, 2024 Omaha, NE 68134
$61 $736 National General 55 March 11, 2025 Omaha, NE 68111
$62 $742 Progressive 31 February 5, 2025 Omaha, NE 68104
$64 $770 National General 65 August 6, 2024 Omaha, NE 68117
$65 $784 National General 43 June 3, 2024 Omaha, NE 68157
Last Updated May 7, 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
$61 $734 Progressive 77 October 25, 2024 Omaha, NE 68134
$68 $818 Progressive 34 November 11, 2024 Omaha, NE 68137
$70 $840 Progressive 59 May 5, 2025 Omaha, NE 68105
$73 $872 Progressive 38 July 31, 2024 Omaha, NE 68117
$77 $928 National General 48 March 21, 2025 Omaha, NE 68136
$81 $968 Progressive 39 December 4, 2024 Omaha, NE 68127
$81 $974 Bristol West 42 September 22, 2024 Omaha, NE 68108
$81 $978 Progressive 25 August 27, 2024 Omaha, NE 68144
Last Updated May 7, 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
$67 $800 National General 25 No May 25, 2024 Omaha, NE 68116
$73 $874 Progressive 24 No February 22, 2025 Omaha, NE 68104
$77 $926 Safeco 29 No December 6, 2024 Omaha, NE 68152
$81 $978 Progressive 25 Yes August 27, 2024 Omaha, NE 68144
$85 $1,014 National General 27 No July 25, 2024 Omaha, NE 68135
Last Updated May 7, 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
$52 $620 Progressive 36 No February 6, 2024 Omaha, NE 68135
$59 $712 Progressive 49 No November 1, 2024 Omaha, NE 68164
$62 $742 Progressive 31 No February 5, 2025 Omaha, NE 68104
Last Updated May 7, 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 7, 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 $590 Progressive 58 December 6, 2024 No Omaha, NE 68111
$50 $600 Progressive 56 April 8, 2025 No Omaha, NE 68157
$52 $620 Progressive 36 February 6, 2024 No Omaha, NE 68135
$58 $700 Progressive 60 December 13, 2024 No Omaha, NE 68105
$61 $736 National General 55 March 11, 2025 No Omaha, NE 68111
$62 $742 Progressive 31 February 5, 2025 No Omaha, NE 68104
$64 $770 National General 65 August 6, 2024 No Omaha, NE 68117
$65 $784 National General 43 June 3, 2024 No Omaha, NE 68157
Last Updated May 7, 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 7, 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 $67 $800 National General 25 No May 25, 2024 Omaha, NE 68116
At Fault With No Injury $76 $912 National General 30 No March 16, 2025 Omaha, NE 68124
At Fault With No Injury $76 $916 Progressive 39 No April 25, 2025 Omaha, NE 68116
At Fault With No Injury $84 $1,008 The General 44 No March 3, 2025 Omaha, NE 68117
At Fault With No Injury $90 $1,084 National General 25 No April 26, 2025 Omaha, NE 68122
Last Updated May 7, 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 under 15 $85 $1,014 National General 27 July 25, 2024 Omaha, NE 68135
Speeding under 15 $126 $1,507 Safeco 29 January 14, 2025 Omaha, NE 68127
Speeding under 15 $209 $2,509 Assurance America 26 February 24, 2024 Omaha, NE 68107
Speeding under 15 $219 $2,633 Dairyland 48 October 22, 2024 Omaha, NE 68134
Speeding over 15 $231 $2,772 Root 39 April 16, 2025 Omaha, NE 68106
Last Updated May 7, 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.