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Best Car Insurance Companies in Omaha, NE

Nov. 19, 2019, 10:57 p.m.

Car ownership is the biggest annual expense after buying a home. Purchasing car insurance protects your investment and covers the cost of damages. Our partners at ConsumerAffairs researched the best car insurance in Omaha to help you understand how insurance rates are priced and find coverage to fit your needs.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. 3 News Now may receive compensation from our partners. Learn more.

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Features
  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
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  • Available in Omaha
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#2
Progressive
Progressive
Features
  • Bundle plans & save
  • Snapshot driving tool
  • Comprehensive coverage
  • Available in Omaha
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#3
Liberty Mutual
Liberty Mutual
Features
  • Trusted for over 100 years
  • 24/7 claims online
  • 12-month rate guarantee
  • Available in Omaha
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#4
The General
The General
Features
  • Customized due date rates
  • Discounts: pay-in-full, military & more
  • Low monthly rates
  • Available in Omaha
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#5
State Farm Insurance Agent: Rudy Partida
State Farm Insurance Agent: Rudy Partida
Features
  • 15 years of experience
  • Rate discount when you bundle home & auto
  • Bilingual team
  • Online claims reporting
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Location
639 N. 98th St.
Omaha, NE 68114
(402) 333-5104
#6
State Farm Insurance Agent: Cyrus Jaffery
State Farm Insurance Agent: Cyrus Jaffery
Features
  • Bilingual team
  • Insurance for antique cars
  • Discount when you bundle home & auto
  • Prioritizes Omaha families
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Location
3015 N. 90th St., Ste. 3
Omaha, NE 68134
(402) 451-2500
State Farm: Cory Juma
State Farm: Cory Juma
Features
  • M-F: 9am - 5:30pm
  • Closed Sat and Sun
  • coryjuma.com
Location
15665 Harrison St., Ste. K
Omaha, NE 68136
(402) 891-6161
State Farm: Matt Meyer
State Farm: Matt Meyer
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • mattmeyeragency.com
Location
5323 N. 134th St., Ste. B
Omaha, NE 68164
(402) 556-7100
Chastain Otis Insurance
Chastain Otis Insurance
Features
  • M-F: 7am - 4:30pm
  • Closed Sat and Sun
  • chastainotis.com
Location
10822 Old Mill Rd., Ste. 2
Omaha, NE 68154
(402) 397-2500
State Farm: Tyler Peschong
State Farm: Tyler Peschong
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • givebackomaha.com
Location
920 S. 107th Ave., Ste. 101
Omaha, NE 68114
(402) 391-6100
United Insurance Agencies and Affordable Auto Insurance
United Insurance Agencies and Affordable Auto Insurance
Features
  • M-F: 8am - 4:30pm
  • Closed Sat and Sun
  • uiagencies.com
Location
1055 N. 115th St., Ste. 208
Omaha, NE 68154
(402) 492-8020
State Farm: Matt Rowe
State Farm: Matt Rowe
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • mattroweinsurance.com
Location
4845 N. 72nd St.
Omaha, NE 68134
(402) 933-1181

How to choose a car insurance company in Omaha

Omaha skyline

Car insurance rates are based on the risk to insure your vehicle. Rates vary due to both personal and geographic factors used to calculate the cost of your premium, such as:

  • Driving record
  • Type and amount of coverage
  • Make and model of insured vehicle
  • Credit history
  • ZIP code, including population density, crime rates and weather

The average cost of car insurance in the U.S. is $1,365 per year, according to a 2018 study by insure.com. Rates in Omaha hover around the national average but are higher than Nebraska’s average premium of $1,214.

Auto insurance tends to cost less in the suburbs of Papillion (68046), Elkhorn (68022) and Chalco (68138) because crime rates are lower. The Northeast region of Omaha has the highest car insurance rates in the city due to higher crime.

Average rates for car insurance in Omaha

Neighborhood or suburb Liability only annual premium Full coverage annual premium Compared to national average for full coverage auto insurance
Downtown (68102) $538 $1,306 – 4%
Dundee-Happy Hollow (68132) $541 $1,270 – 7%
Papillion (68046) $440 $1,058 – 22%
Chalco (68138) $434 $1,055 – 23%
Elkhorn (68022) $431 $1,072 – 21%
East Omaha (68110) $571 $1,423 + 4%
North Omaha (68111) $574 $1,412 + 3%
Northeast Omaha (68104) $561 $1,331 – 2%
Florence (68112) $555 $1,358 – 0.5%
Note: Based on purchasing liability coverage for a 40-year-old male.

It’s important to have car insurance in Omaha to protect your vehicle as well as cover costs of injury or property damage suffered by others if you were in an accident. The big difference between liability only and full coverage is that liability insurance doesn’t cover damage to your car. To insure your car, you would need collision or full coverage. The state minimum liability insurance costs less than full coverage auto insurance as seen above.

Nebraska requires the following auto policy minimums:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury all people injured
  • $25,000 for property damage

Nebraska is known for severe weather in the form of hail, flash flooding and icy winter conditions. Full coverage auto insurance protects your car from damage caused by severe weather and anything other than a collision. This is why full coverage costs more than collision and liability car insurance.

For a more detailed look at factors and rates, see the Nebraska Department of Insurance’s auto insurance rate guide from 2016. For tips on how to save money on car insurance, visit the website for the Nebraska Department of Insurance.

Progressive

Progressive

Progressive is a nationwide insurance company that offers discounts on car insurance for bundling it with homeowners insurance. A discount unique to the company is their safe driver discount. Almost 40 locations in the Omaha metro have a Progressive insurance agent on staff. Customers say progressive customer service staff has a reputation for being friendly and helpful.

Liberty Mutual

Liberty Mutual

Liberty Mutual offers many types of insurance, including auto, rental and home. Omaha customers can qualify for a discounted rate on multiple policies and those with a good driving record. Online reviews show that customers like using the company’s online portal to manage their policies and file claims.

The General

The General

The General is known for insuring drivers with previous claims, poor driving records and lower credit scores. The General offers multiple payment options for Omaha drivers. Reviewers compliment the customer experience and competitive pricing, although some gave negative reviews for a long claims process.

State Farm Insurance Agent: Rudy Partida

State Farm Insurance Agent: Rudy Partida

A local State Farm agent, Rudy Partida, is a popular choice with Omaha residents. He has 15 years of financial service experience and offers auto, homeowners, life and business insurance. Omaha drivers love the friendly and knowledgeable staff on Rudy’s bilingual team. They also appreciate money saved through bundling their auto and home insurance as well as the staff’s outstanding customer service.

State Farm Insurance Agent: Cyrus Jaffery

State Farm Insurance Agent: Cyrus Jaffery

Cyrus Jaffery is a local State Farm agent who offers auto, life, homeowners and business insurance. He and his bilingual team focus on the insurance needs of families in the Omaha area. Omaha customers say it’s a great experience working with them. Customers like how the staff takes their time going over the policies and answering questions.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.