For a 40-year-old driver with a clean record, Omaha car insurance averages about $239 a month ($2,865 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% above the Nebraska average of $224 a month. Farmers Mutual of Nebraska has the lowest full-coverage average of the four insurers we price, at about $147 a month.
Omaha is the most expensive of the eight Nebraska cities we publish guides for. Our benchmark driver pays about $15 a month more than the Nebraska average here, and about $36 a month more than in Lincoln.
Our data covers 29 ZIP codes with an Omaha mailing address, from about $211 a month in 68130 and 68138 to $287 in 68111. Omaha also has the highest liability-only average of the 38 Nebraska cities and towns we price, about $59 a month, compared with $50 statewide.
Cost data comes from the auto rates insurers file with state regulators, priced across all 29 Omaha ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Omaha, NE?
Full coverage in Omaha averages $2,865 a year, or about $239 a month, for our benchmark driver. Liability-only coverage at Nebraska’s 25/50/25 minimum averages $707 a year ($59 a month), and 50/100/50 liability with comprehensive and collision averages $2,729 ($227 a month).
- Full coverage (100/300/100, $500 deductibles): $2,865 a year ($239 a month)
- 50/100/50 with $500 deductibles: $2,729 a year ($227 a month)
- Liability only (25/50/25): $707 a year ($59 a month)
- Douglas County: $2,875 a year ($240 a month) for full coverage
- Nebraska average: $2,688 a year ($224 a month) for full coverage
- ZIP code range: $211 (68130 and 68138) to $287 (68111) a month for full coverage
Cheap Car Insurance in Omaha: Companies Compared
- Lowest average in our data, full coverage: Farmers Mutual of Nebraska, at about $147 a month ($1,764 a year).
- Next lowest open to all drivers: Progressive, at about $163 a month, then Farm Bureau Financial Services at $318.
- Lowest liability-only average (25/50/25): Progressive, at about $33 a month, then Farmers Mutual of Nebraska at $34.
- State Farm (Nov. 2025 rates)*: about $225 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $152 a month, Auto-Owners at $179, GEICO at $194 and Shelter at $215 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $328 a month, $2,168 a year more than Farmers Mutual of Nebraska for the same driver and car.
Farmers Mutual of Nebraska has the lowest full-coverage average among the four insurers in our Omaha rate data. The published 2026 statewide Nebraska rate studies we reviewed don’t agree on the cheapest insurer for full coverage. Of the seven that price it, two put Farmers Mutual of Nebraska first and two GEICO, apart from USAA, which sells only to military families, and the other three name other insurers. Farmers Mutual of Nebraska is first or second in all five that include it. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among the insurers we price, at about $33 a month, with Farmers Mutual of Nebraska close behind at $34.
Full-coverage averages by insurer in Omaha
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $410 | $34 | $1,764 | $147 |
| Progressive | $392 | $33 | $1,950 | $163 |
| Farm Bureau Financial Services | $775 | $65 | $3,813 | $318 |
| Allstate | $1,251 | $104 | $3,932 | $328 |
| State Farm (Nov. 2025 rates)* | $732 | $61 | $2,698 | $225 |
| USAA (military families)* | $470 | $39 | $1,825 | $152 |
| Auto-Owners* | $555 | $46 | $2,142 | $179 |
| GEICO* | $437 | $36 | $2,323 | $194 |
| Shelter* | $684 | $57 | $2,575 | $215 |
| Omaha average | $707 | $59 | $2,865 | $239 |
This table uses Omaha ZIP codes only. See how we calculated these rates.
Omaha Car Insurance Rates by ZIP Code
Across the 29 Omaha ZIP codes we price, full coverage for our driver ranges from about $211 a month in 68130 and 68138 to $287 in 68111, a gap of $904 a year. North Omaha’s 68110, 68111 and 68112 are the most expensive Omaha ZIP codes in our data, and 68130, 68136 and 68138, in west and southwest Omaha, are the least expensive.
Lowest-priced Omaha ZIP codes
Highest-priced Omaha ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Omaha’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 68102 | $722 | $60 | $3,034 | $253 | +6% |
| 68104 | $818 | $68 | $3,217 | $268 | +12% |
| 68105 | $746 | $62 | $3,032 | $253 | +6% |
| 68106 | $718 | $60 | $2,858 | $238 | About average |
| 68107 | $746 | $62 | $3,002 | $250 | +5% |
| 68108 | $767 | $64 | $3,074 | $256 | +7% |
| 68110 | $827 | $69 | $3,381 | $282 | +18% |
| 68111 | $840 | $70 | $3,438 | $287 | +20% |
| 68112 | $761 | $63 | $3,286 | $274 | +15% |
| 68114 | $735 | $61 | $2,856 | $238 | About average |
| 68116 | $639 | $53 | $2,613 | $218 | -9% |
| 68117 | $709 | $59 | $2,805 | $234 | -2% |
| 68118 | $626 | $52 | $2,591 | $216 | -10% |
| 68122 | $674 | $56 | $2,859 | $238 | About average |
| 68124 | $702 | $59 | $2,739 | $228 | -5% |
| 68127 | $658 | $55 | $2,602 | $217 | -9% |
| 68130 | $632 | $53 | $2,534 | $211 | -12% |
| 68131 | $798 | $67 | $3,197 | $266 | +11% |
| 68132 | $773 | $64 | $3,046 | $254 | +6% |
| 68134 | $747 | $62 | $2,994 | $250 | +5% |
| 68135 | $653 | $54 | $2,597 | $216 | -10% |
| 68136 | $614 | $51 | $2,556 | $213 | -11% |
| 68137 | $650 | $54 | $2,592 | $216 | -10% |
| 68138 | $625 | $52 | $2,536 | $211 | -12% |
| 68144 | $661 | $55 | $2,623 | $219 | -8% |
| 68152 | $673 | $56 | $3,032 | $253 | +6% |
| 68154 | $655 | $55 | $2,640 | $220 | -8% |
| 68157 | $685 | $57 | $2,703 | $225 | -6% |
| 68164 | $649 | $54 | $2,639 | $220 | -8% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Omaha?
Raising liability limits from 50/100/50 to 100/300/100 adds about $136 a year on average in our Omaha data, with the same $500 deductibles. That’s about $11 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Omaha?
Not for our benchmark driver. Comparing the same insurers in the same Omaha ZIP codes, full coverage averaged $3,010 a year in rates as of Nov. 30, 2025, and $2,865 as of Aug. 31, 2026, a 4.8% drop. Progressive cut its Omaha average 20.3% and Farm Bureau Financial Services 9.3%, while Allstate raised its average 8.4%; Farmers Mutual of Nebraska’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits fell 1.0%, led by Progressive, which cut its liability-only average 18.2%.
What Shapes Car Insurance Costs in Omaha
Douglas County averages about $240 a month for full coverage, the eighth-most expensive of the 30 Nebraska counties we price. The seven ahead of it are all in the western half of the state, led by Keith County, home to Ogallala, at $252.
Prices are lower in western Douglas County: Elkhorn averages about $216 a month and Bennington, to the northwest, $220. Three Omaha ZIP codes, 68136, 68138 and 68157, are in Sarpy County, which averages $218. Where you live is one of the factors Nebraska insurers use, so neighboring towns can be priced differently.
How Omaha Car Insurance Compares With Other Nebraska Cities
More Nebraska cities and towns are in the Nebraska rates by city table, and you can compare states on our car insurance rates by state page.
Bellevue, Omaha’s neighbor to the south, averages $225 a month, Fremont, about 30 miles northwest, $211 and Lincoln, about 50 miles southwest, $203. Across the Missouri River, Council Bluffs follows Iowa’s rules; see our Council Bluffs, Iowa, car insurance guide.
What Car Insurance Is Required in Omaha?
Drivers in Omaha follow Nebraska’s auto insurance laws. Every auto liability policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per crash
Our Nebraska requirements guide covers proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Omaha
- Compare Farmers Mutual of Nebraska and Progressive first. They have the two lowest full-coverage averages open to all drivers in our Omaha data, about $147 and $163 a month.
- Quote several insurers. In our Omaha data, the lowest and highest insurer averages are about $181 a month apart for the same driver and car.
- Keep proof of insurance in your car. Nebraska requires it in the vehicle at all times, according to the Department of Motor Vehicles, and under Neb. Rev. Stat. 60-387.01 showing it on your phone doesn’t give police consent to search the phone.
- Compare at every renewal. Since November 2025, Progressive has cut its Omaha average 20.3% and Farm Bureau Financial Services 9.3%, while Allstate has raised its average 8.4%, so the order in our table can shift.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Nebraska home insurance rates.
Ready to compare
How We Calculated Omaha Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 116 full-coverage premiums from four insurers across 29 Omaha ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Nebraska averages come from four insurers, fewer than in most states. Two of them, Farmers Mutual of Nebraska and Progressive, charge far less than the other two for full coverage in every Nebraska city and town we price, so the averages can move a lot when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Nebraska’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Nebraska requires 25/50 uninsured and underinsured motorist coverage on every auto liability policy.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Nebraska rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Nebraska law and the Nebraska Department of Motor Vehicles. We refresh these figures when new rate data is released.
Omaha Car Insurance FAQ
For our benchmark driver, full coverage in Omaha averages about $239 a month ($2,865 a year) and liability-only coverage about $59 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 7% above the Nebraska average of $224 a month.
Farmers Mutual of Nebraska has the lowest full-coverage average in our Omaha rate data, at about $147 a month, followed by Progressive at $163 among insurers open to all drivers. USAA, which sells only to military families, averages about $152 a month. For liability-only coverage, Progressive has the lowest average, at about $33 a month. The published 2026 statewide Nebraska rate studies we reviewed don’t agree on the cheapest insurer for full coverage: of the seven that price it, two put Farmers Mutual of Nebraska first and two GEICO, apart from USAA, and Farmers Mutual of Nebraska is first or second in all five that include it. Rates vary by driver, so compare quotes for your own car and ZIP code.
Lincoln, for our benchmark driver. Omaha full coverage averages about $239 a month and Lincoln about $203, a difference of about $36 a month for the same driver and car.
In our data, 68130 and 68138 share the lowest full-coverage average in Omaha, at about $211 a month, and 68111 the highest, at about $287. The ZIP code table on this page lists all 29.
In our Omaha data, full coverage (100/300/100 with $500 deductibles) averages about $239 a month and liability-only coverage at 25/50/25 limits about $59, a difference of about $180 a month ($2,158 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Omaha full coverage fell 4.8% between November 2025 and August 2026, from about $3,010 to $2,865 a year. Progressive cut its Omaha average 20.3% and Farm Bureau Financial Services 9.3%, while Allstate raised its average 8.4%. Liability-only coverage at 25/50/25 limits fell 1.0%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
