Omaha Car Insurance Cost – Rates + Rankings for 150+ Vehicles

• The average cost of car insurance in Omaha is 3.5% more than the national average rate of $2,221.
• Car insurance rates for a few popular models in Omaha include the GMC Sierra at $2,540 per year, Nissan Altima at $2,492, and Toyota Camry at $2,472.
• Compact crossovers like the Chevrolet Trailblazer, Nissan Kicks, Toyota Corolla Cross, and Mazda CX-5 have top rankings for cheap car insurance in Omaha.
• Auto insurance quotes in Omaha can vary from as low as $35 per month for liability-only insurance to well over $717 per month for high-risk drivers.

How much does car insurance cost in Omaha?

The average car insurance expense in Omaha is $2,300 per year, which is 3.5% more than the overall national average rate of $2,221. Car insurance in Omaha per month costs about $192 for a full-coverage car insurance policy.

The average price for car insurance in Nebraska is $2,188 per year, so Omaha drivers pay an average of $112 more per year than the overall Nebraska state-wide average rate. When compared to other locations in Nebraska, the cost of car insurance in Omaha is around $192 per year more than in Lincoln, $126 per year more than in Kearney, and $224 per year more than in Grand Island.

The chart below shows average Omaha auto insurance rates for 2024 model year vehicles not only by driver age, but also by physical damage deductibles.

In the chart above, the cost of car insurance in Omaha ranges from $1,614 per year for a 60-year-old driver with a high deductible policy to $5,382 per year for a 20-year-old driver with policy with low comprehensive and collision deductibles. When those numbers are converted to a monthly rate, the average cost in the prior chart ranges from $135 to $449 per month.

Car insurance rates are different for every driver and are impacted by many different factors. The potential for large premium differences increases the need to get multiple auto insurance quotes when searching online for a cheaper car insurance policy.

The age of the rated driver has the biggest impact on the price you pay for auto insurance, so the list below details how age impacts cost by breaking down average car insurance rates in Omaha based on the age of the driver.

Average cost of car insurance in Omaha for drivers age 16 to 60

• 16-year-old rated driver – $8,192 per year or $683 per month
• 17-year-old rated driver – $7,934 per year or $661 per month
• 18-year-old rated driver – $7,114 per year or $593 per month
• 19-year-old rated driver – $6,477 per year or $540 per month
• 20-year-old rated driver – $4,628 per year or $386 per month
• 30-year-old rated driver – $2,454 per year or $205 per month
• 40-year-old rated driver – $2,300 per year or $192 per month
• 50-year-old rated driver – $2,040 per year or $170 per month
• 60-year-old rated driver – $1,908 per year or $159 per month

The rates in the list above for average cost of car insurance for teen drivers were based on a male driver. The chart below goes into more detail regarding the cost of insuring teen drivers and breaks out the average cost to insure teen drivers in Omaha by gender. In general, females have cheaper auto insurance rates, in particular for ages 20 and below.

Car insurance for a female 16-year-old driver in Omaha costs an average of $537 less than a male driver per year, while at age 19, the cost difference is much less but is still $1,001 per year cheaper for females.

Omaha’s favorite vehicles and the cost to insure them

The previous car insurance rates in this article are averaged for every 2024 model year vehicle, which is practical for making big picture comparisons such as the average cost difference between multiple locations. Average auto insurance rates are a good metric when answering questions like “are car insurance rates in Omaha cheaper than in Bellevue?” or “are car insurance rates in Nebraska cheaper than in Illinois?”.

For more in-depth price comparisons, however, the data will be better if we look at the exact make and model of vehicle being insured. Each individual model has slightly different risk characteristics for calculating how much auto insurance costs and this data allows for insurance cost comparisons.

The list below breaks down both annual and monthly average car insurance rates in Omaha for popular cars, trucks, and SUVs.

Average car insurance rates for popular Omaha vehicles

• GMC Sierra – $2,726 per year ($227 per month)
• Nissan Altima – $2,674 per year ($223 per month)
• Toyota Camry – $2,654 per year ($221 per month)
• Subaru Outback – $2,104 per year ($175 per month)
• Ram Truck – $2,853 per year ($238 per month)
• Chevrolet Equinox – $2,270 per year ($189 per month)
• Jeep Wrangler – $2,813 per year ($234 per month)
• Ford F150 – $2,762 per year ($230 per month)
• Honda CR-V – $2,102 per year ($175 per month)
• Tesla Model 3 – $2,901 per year ($242 per month)

Which vehicles have the cheapest Omaha car insurance?

The models with the cheapest average auto insurance quotes in Omaha tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Toyota Corolla Cross. Average car insurance quotes for those vehicles cost $2,000 or less per year ($167 per month) to have full coverage.

Some additional vehicles that rank well in our overall cost comparison are the Volkswagen Taos, Kia Niro, Volkswagen Tiguan, and Buick Encore.

Average insurance cost is a few dollars per month higher for those models than the cheapest crossovers and small SUVs that rank at the top, but they still have an average cost of $179 or less per month.

The table below breaks down the 25 cars, trucks, and SUVs with the cheapest insurance rates in Omaha, ordered by annual cost.

The table above that contains 25 vehicle models with cheap Omaha car insurance is great if you’re just wanting the lowest rates. Considering we track over 700 vehicles, a lot of models get left out.

Let’s dig deeper into the data and break out the models with the cheapest rates in Omaha in a better format, by automotive segment. The following sections list the vehicles with the most affordable car insurance rates for the six main vehicle segments.

Cheapest cars to insure in Omaha

The four most affordable non-luxury two and four door cars to insure in Omaha are the Toyota GR Corolla at $2,000 per year, Nissan Leaf at $2,014 per year, Honda Civic at $2,038 per year, and Nissan Sentra at $2,110 per year.

Additional cars that have good average insurance rates are the Honda Accord, Toyota Corolla, Chevrolet Malibu, and Kia K5, with an average car insurance cost of $2,242 per year or less.

Full-coverage auto insurance for this segment in Omaha for a good driver will start around $167 per month, depending on the company and your location.

The cheapest compact car to insure in Omaha is the Toyota GR Corolla at $2,000 per year. For midsize 2024 models, the Kia K5 has the best rates at $2,216 per year. And for full-size sedans, the Chrysler 300 has the cheapest rates at $2,190 per year.

The next table ranks the twenty cars with the cheapest car insurance rates in Omaha, starting with the Toyota GR Corolla at $167 per month and ending with the Mazda 3 at $198 per month.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Nebraska.

Cheapest SUVs to insure in Omaha

The Subaru Crosstrek ranks at #1 for the most budget-friendly non-luxury SUV to insure in Omaha, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $1,700 per year to insure for full coverage.

Some other SUVs that rank well are the Toyota Corolla Cross, Ford Bronco Sport, Hyundai Venue, and Buick Envision, with an average cost to insure of $1,882 per year or less.

On a monthly basis, auto insurance in this segment for the average driver starts at an average of $142 per month, depending on the company and where you live. The next table ranks the twenty SUVs with the lowest-cost average insurance rates in Omaha.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see rates for your SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Omaha car insurance quotes from the best companies in Nebraska.

Cheapest pickup insurance rates in Omaha

Out of all 2024 models, the top five most affordable pickup trucks to insure in Omaha are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Average rates for for these vehicles range from $2,026 to $2,230 per year.

Also ranking in the top 10 are models like the Hyundai Santa Cruz, Toyota Tacoma, GMC Sierra 2500 HD, and GMC Canyon, with an average cost of $2,368 per year or less.

On a monthly basis, car insurance rates on this segment in Omaha for a middle-age safe driver will start around $169 per month, depending on your location and insurance company. The comparison table below ranks the twenty pickups with the most affordable average insurance rates in Omaha, starting with the Chevrolet Colorado at $2,026 per year and ending with the Ram Truck at $2,660 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Don’t see your pickup in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Omaha car insurance quotes from top auto insurance companies in Nebraska.

Cheapest luxury car insurance rates in Omaha

The Acura Integra takes the #1 ranking as the most budget-friendly luxury car model to insure in Omaha, followed by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model has an average cost of $2,044 per year for full-coverage auto insurance.

Other models that are affordable to insure are the Mercedes-Benz AMG CLA35, Lexus RC 300, Lexus ES 350, and Genesis G70, with average annual insurance rates of $2,416 per year or less.

In the bottom half of the top 20, cars like the Lexus ES 300h, Lexus IS 350, Lexus ES 250, Lexus RC 350, BMW 230i, and Audi S3 cost between $2,416 and $2,578 per year for auto insurance.

Full-coverage insurance in this segment will start around $170 per month, depending on the company and your location.

When vehicle size is considered, the cheapest compact luxury car to insure in Omaha is the Acura Integra at $2,044 per year, or $170 per month. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,364 per year, or $197 per month. And for large luxury cars, the Audi A5 has the most affordable rates at $2,734 per year, or $228 per month.

The comparison table below ranks the luxury cars with the most affordable average auto insurance rates in Omaha.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Omaha car insurance quotes from top companies in Nebraska.

Cheapest luxury SUV insurance rates in Omaha

The three top-ranked luxury SUVs with the most affordable average insurance rates in Omaha are the Acura RDX at $1,924 per year, the Lexus NX 250 at $2,036 per year, and the Cadillac XT4 at $2,074 per year.

Also ranking in the top 10 are SUVs like the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus UX 250h, and Lincoln Corsair, with an average car insurance cost of $2,218 per year or less.

Car insurance rates for this segment in Omaha for an average middle-age driver starts at an average of $160 per month, depending on your company and location.

If ranked by vehicle size, the cheapest small luxury SUV to insure in Omaha is the Acura RDX at $1,924 per year, or $160 per month. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,152 per year, or $179 per month. And for full-size luxury SUV models, the Infiniti QX80 has the cheapest car insurance rates at $2,578 per year, or $215 per month.

The table below ranks the luxury SUVs with the cheapest insurance in Omaha, starting with the Acura RDX at $1,924 per year and ending with the Lexus RX 350 at $2,310 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Nebraska.

Cheapest sports car insurance rates in Omaha

The three highest ranking sports cars with the most affordable insurance in Omaha are the Mazda MX-5 Miata at $2,128 per year, the Toyota GR86 at $2,422 per year, and the Ford Mustang at $2,526 per year.

Other models that rank well in our comparison are the BMW M2, Lexus RC F, Subaru BRZ, and Nissan Z, with average annual insurance rates of $2,750 per year or less.

From a monthly standpoint, full-coverage car insurance in Omaha on this segment for a safe driver starts at around $177 per month, depending on your location and insurance company. The comparison table below ranks the twenty sports cars with the cheapest insurance rates in Omaha, starting with the Mazda MX-5 Miata at $2,128 per year and ending with the Porsche Taycan at $3,896 per year.

Don’t see your sports car in the list? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Nebraska.

Variability of auto insurance rates

To reinforce the amount that the cost of a car insurance policy can fluctuate from one driver to the next (and also emphasize the importance of accurate rate quotes), the sections below show multiple rates for four popular models in Omaha: the Chevrolet Silverado, Nissan Sentra, Nissan Rogue, and Honda Accord.

The example for each vehicle shows average rates for different driver profiles to show the possible price variation with only minor changes to the policy risk factors.

Chevrolet Silverado insurance rates

Average Chevrolet Silverado insurance cost in Omaha ranges from $2,156 up to $3,018 per year. The cheapest car insurance quotes are on the $39,900 Silverado EV WT model, while the most expensive is the $105,000 Silverado EV RST First Edition trim.

On a monthly basis, full-coverage car insurance on a Chevrolet Silverado for a safe driver can range from $180 to $252 per month, depending on your insurance company and your exact location in Omaha.

The next rate chart can help visualize how the cost of insurance for a Chevrolet Silverado can range considerably for different driver ages, deductibles, and risk profiles.

For this example, rates vary from $2,108 to $5,904 per year, which is a difference in cost of $3,796 when insuring the same Silverado in Omaha, just with different drivers and risk profiles.

The Chevrolet Silverado is considered a full-size truck, and other models from that segment that are popular in Omaha include the Ram Truck, Nissan Titan, GMC Sierra, and Ford F150.

Nissan Sentra insurance rates

In Omaha, the least-expensive car insurance quotes for a 2024 Nissan Sentra are on the base S trim, costing an average of $2,060 per year, or around $172 per month. This model has a retail price of $20,630.

The most expensive 2022 Nissan Sentra to insure in Omaha is the SR model, costing an average of $2,166 per year, or around $181 per month. The retail cost for this trim is $23,720, before destination and documentation fees.

On a monthly basis, car insurance rates for the Nissan Sentra can range from $172 to $181 per month, depending on policy limits and your address in Omaha.

The chart displayed below shows how auto insurance quotes for a Nissan Sentra can vary for different driver ages, policy deductibles, and risk profiles.

The Nissan Sentra is considered a compact car, and other popular models in the same segment include the Chevrolet Cruze, Toyota Corolla, and Hyundai Elantra.

Nissan Rogue insurance rates

Average Nissan Rogue insurance cost in Omaha ranges from $1,958 to $2,166 per year. The least-expensive insurance rates are on the $29,360 Rogue S 2WD trim level, while the most expensive model to insure is the $39,230 Rogue Platinum AWD model.

When Omaha insurance rates on a Nissan Rogue are compared with the national average cost on the same vehicle, rates are $38 to $40 cheaper per year in Omaha, depending on the exact model being insured.

From a monthly standpoint, car insurance on a 2024 Nissan Rogue for an average middle-age driver can range from $163 to $181 per month, depending on the insurance company and where you live in Omaha.

The next chart illustrates how the cost of insurance for a Nissan Rogue can change for a variety of different driver ages, policy physical damage deductibles, and risk scenarios.

For our example drivers, cost ranges from $1,720 to $4,722 per year, which is a difference of $3,002 to insure the same vehicle with different rated drivers.

The Nissan Rogue is part of the compact SUV segment, and other popular same-segment models include the Toyota RAV4, Mazda CX-5, Subaru Forester, and Ford Escape.

Honda Accord insurance rates

The overall average cost of Honda Accord insurance in Omaha is $2,222 per year. With prices ranging from $34,190 to $27,895, average car insurance quotes on a Honda Accord range from $2,142 per year for the Accord EX-L Hybrid model up to $2,280 per year for the Accord LX trim.

On a monthly basis, car insurance for a Honda Accord can cost from $179 to $190 per month, depending on policy limits and your address in Omaha.

The bar chart below shows how the cost to insure a Honda Accord can vary based on an assortment of driver ages, deductibles, and risk profiles.

The Honda Accord is a midsize car, and other models in the same segment include the Hyundai Sonata, Nissan Altima, and Kia K5.

Helpful tips to save on car insurance

Drivers are always searching for ways to reduce the monthly expense for auto insurance, so browse the tips in this next list and maybe you can save a little dough on your next renewal.

• Buy vehicles with cheaper car insurance rates. Vehicle type is a big factor in the cost of auto insurance. As an example, a Subaru Outback costs $2,338 less per year to insure in Omaha than a Acura NSX. Lower performance vehicles save money.
• Bring up your credit score to save money. Drivers with high 800+ credit scores could save up to $361 per year over a decent credit rating of 670-739. Conversely, a less-than-good credit score could cost up to $419 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• A clean driving record saves money. To get the cheapest car insurance in Omaha, it’s necessary to avoid traffic citations. In fact, just a few minor infractions on your motor vehicle report have the potential to raise the cost of a policy by up to $610 per year. Serious violations like DWI or reckless driving could raise rates by an additional $2,136 or more.
• More discounts equals more savings. Discounts may be available if the insured drivers are claim-free, insure multiple vehicles on the same policy, belong to certain professional organizations, are senior citizens, take a defensive driving course, or many other discounts which could save the average Omaha driver as much as $388 per year on their insurance cost.
• Reduce coverage on older cars. Removing physical damage coverage (comprehensive and collision) from older vehicles can trim the cost substantially.
• Get a discount from your employer. Just about all car insurance companies offer discounts for certain professions like engineers, college professors, emergency medical technicians, high school and elementary teachers, doctors, lawyers, and others. Being employed in a qualifying occupation could save between $69 and $224 on your annual car insurance cost, depending on the age of the driver.