Best Car Insurance in Omaha, NE

Farmers Mutual of Nebraska offers the cheapest rates in Omaha on average. Only available in three states, Farmers Mutual grew from a group of 22 farmers in 1891 to one of the largest insurers in the Midwest. Today, it insures about 9 percent of all drivers in Nebraska, making it the third-largest provider in the state.⁴

Cheapest Full-Coverage Rate in Omaha

Farmers Mutual of Nebraska offers the cheapest full-coverage rate in Omaha. Here’s how it compares to major competitors in the city.

Cheapest Minimum-Coverage Rate in Omaha

Farmers Mutual also offers the most affordable rate for minimum liability, which includes minimum limits on property damage, bodily injury, and uninsured motorist coverage.

Incentives for Hauling and Farming Vehicles

If you have a farm vehicle, like a semi-tractor, you can take advantage of Farmers Mutual’s Limited Hauling for Hire Endorsement. This optional coverage provides $1 million in additional coverage for your farm and personal vehicles when you’re transporting non-owned farming goods.

Nationwide has been around for nearly a century, offering insurance for auto, home, business, and more. It’s the eighth-largest provider in the state, with dozens of agents to choose from in Omaha.

Best Pay-Per-Mile Insurance

Nationwide is one of the few companies in Nebraska that offer a pay-per-mile insurance plan. Its pay-per-mile program, SmartMiles, tracks how many miles you drive each month and calculates your monthly premium based on the number of miles you drive.

Here’s a plan that Nationwide advertises for a 35-year-old single male who drives fewer than 500 miles per month.

Keep in mind that your pay-per-mile and base rates could be higher or lower based on your credit score, driving record, location, age, and other relevant factors.

Solid Gap Insurance

Between 2021 and 2022, used-car prices increased by 33 percent in Nebraska (about $9,000).⁶ If you can’t afford to buy a new or used vehicle outright, you’ll need to finance or lease your vehicle, which will require gap insurance.

Gap insurance works by offering extra coverage for your vehicle if it’s totaled before you’ve paid off your loan. Your insurance will cover only what your car is worth at the time of the accident, and because cars depreciate immediately, your $35,000 car may be worth only $30,000 after a few months of driving.

Gap insurance will cover the additional $5,000 if you total your vehicle before paying off your loan.

Free Agent Consultation

You can take advantage of Nationwide’s free consultation service, “On Your Side” review. It’s a free agent consultation you can use to evaluate your policy, optimize your discounts/coverage, and ask any questions you might have. The service is available once per year, and it’s designed to help you find more affordable and better coverage through Nationwide’s policy offers.

State Farm insures more drivers in Nebraska (and the U.S.) than any other auto insurance company. It offers several discounts, coverage options, and safe-driver incentives for drivers in Omaha.

Safe-Driver Discounts

When you sign up with State Farm, you can take advantage of the following safe-driver discounts:

• Good driver discount: If no one in your household has a history of moving violations or at-fault accidents, you may be eligible for this discount.
• Defensive driver course discount: Take a defensive driver course, and you could save on your car insurance.
• Steer Clear program: Drivers under age 25 can earn a discount by completing the Steer Clear safety program.
• Accident-free discount: Maintain an accident-free record, and you can earn this discount.

Usage-Based Safety Program

State Farm’s Drive Safe & Save Program can save you up to 30 percent on your car insurance. State Farm will track your driving habits through the mobile app, assess your score based on your driving habits (acceleration, braking, and turning; time of day you’re driving; etc.), and calculate a discount based on that score.

Remember that your premium may increase if you score poorly, so sign up for the program with discretion.

Third-Party Ratings

If you’re seeking quality customer service, look no further. State Farm has the highest J.D. Power customer satisfaction rating on our list (891/1,000) and was ranked fifth for highest customer satisfaction out of all providers in 2023.

It also has the highest AM Best rating (A++ ), which means it has excellent creditworthiness and financial strength.

The Nebraska Farm Bureau has more than 55,000 members in Nebraska. Along with offering cheap auto insurance, especially to drivers with a bad record, the Farm Bureau advocates for farmers’ rights through grassroots efforts, leadership development, and education programs. If you’re a part of Douglas County’s more than 360 farms, you should consider Farm Bureau for your personal and commercial needs.⁷

Affordable Coverage After a DUI

Car insurance rates tend to increase after an accident, speeding ticket, or DUI because these violations lead to higher rates of claims for insurers. While you won’t always see a premium increase after your first violation (it depends on the severity of the violation), providers will usually increase your rate after your first DUI or at-fault accident.

Here’s how Farm Bureau’s rate compares to other companies in Omaha after a DUI:

Affordable Coverage After an Accident

Here’s how Farm Bureau’s rate compares to other companies in Omaha after an accident:

Affordable Coverage After a speeding ticket

Here’s how Farm Bureau’s rate compares to other companies in Omaha after a speeding ticket:

GEICO offers several discounts for federal employees and military members, including a discount for federal workers and emergency deployment. If you’re a military member or federal employee working on the Offutt Air Force Base, Nebraska’s largest military base, GEICO is our top pick.

Federal Employee Discounts

You can earn up to 12 percent off your GEICO car insurance premium if you work for the federal government. GEICO’s Eagle discount applies to active and retired federal workers.

You can also earn a discount as a federal employee by asking about an affiliation discount. GEICO won’t provide this discount to all federal groups, so speak to your agent about your eligibility.

Military Discounts

Military members have a few ways to save on car insurance with GEICO.

• Emergency deployment discount: If you leave the state for emergency deployment, you can save 25 percent on your car insurance.
• Military discount: Active duty military members, military retirees, and National Guard members may be eligible for a 15 percent discount with GEICO.
• Military membership discount: If you’re a member of one of the following associations/groups, you may qualify for an additional membership discount:
  • Association of the United States Army (AUSA)
  • Armed Forces Benefit Association (AFBA)
  • Navy League of the United States (NLUS)

Cheapest Provider for Drivers With Bad Credit

Nebraskans should be proud to be one of the top 10 states for the best average credit score. If your credit is near the state average (728), you probably don’t have to worry about your credit score increasing your car insurance premium.¹⁰

However, if you have a poor credit score (under 580), your credit may make it difficult to obtain affordable insurance. Fortunately, providers like GEICO offer affordable rates to those with bad credit. Here’s what your car insurance premium might look like: