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

• The average cost of car insurance in Omaha is 6.1% less than the national average rate of $1,728.
• Car insurance rates for a few popular models in Omaha include the GMC Sierra at $1,772 per year, Nissan Altima at $1,734, and Toyota Camry at $1,542.
• Compact crossovers like the Subaru Crosstrek, Nissan Rogue Sport, Buick Encore, and Kia Seltos 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 $1,626 per year, which is 6.1% less than the overall national average rate of $1,728. Car insurance in Omaha per month costs about $136 for a full-coverage car insurance policy.

The average price for car insurance in Nebraska is $1,512 per year, so Omaha drivers pay an average of $114 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 $198 per year more than in Lincoln, $126 per year more than in Kearney, and $228 per year more than in Grand Island.

The chart below shows average Omaha auto insurance rates for 2023 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 $1,226 per year for a 60-year-old driver with a high deductible policy to $3,756 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 $102 to $313 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 – $5,820 per year or $485 per month
• 17-year-old rated driver – $5,442 per year or $454 per month
• 18-year-old rated driver – $5,084 per year or $424 per month
• 19-year-old rated driver – $4,604 per year or $384 per month
• 20-year-old rated driver – $3,232 per year or $269 per month
• 30-year-old rated driver – $1,712 per year or $143 per month
• 40-year-old rated driver – $1,626 per year or $136 per month
• 50-year-old rated driver – $1,478 per year or $123 per month
• 60-year-old rated driver – $1,452 per year or $121 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 $696 less than a male driver per year, while at age 19, the cost difference is much less but is still $508 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 2023 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 – $2,106 per year ($176 per month)
• Nissan Altima – $2,052 per year ($171 per month)
• Toyota Camry – $1,828 per year ($152 per month)
• Subaru Outback – $1,664 per year ($139 per month)
• Ram Truck – $2,102 per year ($175 per month)
• Chevrolet Equinox – $1,722 per year ($144 per month)
• Jeep Wrangler – $2,136 per year ($178 per month)
• Ford F150 – $1,952 per year ($163 per month)
• Honda CR-V – $1,634 per year ($136 per month)
• Tesla Model 3 – $1,962 per year ($164 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 Subaru Crosstrek, Nissan Kicks, Nissan Rogue Sport, and Buick Encore. Average car insurance quotes for those vehicles cost $1,526 or less per year ($127 per month) to have full coverage.

Some additional vehicles that rank well in our overall cost comparison are the Subaru Forester, Ford Edge, Hyundai Venue, and Honda HR-V.

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 $136 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 Subaru Impreza at $1,344 per year, Volkswagen Jetta at $1,484 per year, Subaru Legacy at $1,496 per year, and Nissan Sentra at $1,508 per year.

Additional cars that have good average insurance rates are the Toyota Camry, Kia K5, Mazda 3, and Toyota Prius, with an average car insurance cost of $1,566 per year or less.

Full-coverage auto insurance for this segment in Omaha for a good driver will start around $112 per month, depending on the company and your location.

The cheapest compact car to insure in Omaha is the Subaru Impreza at $1,344 per year. For midsize 2023 models, the Subaru Legacy has the best rates at $1,496 per year. And for full-size sedans, the Chrysler 300 has the cheapest rates at $1,584 per year.

The next table ranks the twenty cars with the cheapest car insurance rates in Omaha, starting with the Subaru Impreza at $112 per month and ending with the Volkswagen Arteon at $142 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 Chevrolet Trailblazer ranks at #1 for the most budget-friendly non-luxury SUV to insure in Omaha, followed by the Subaru Crosstrek, Nissan Kicks, Honda Passport, and Nissan Rogue Sport. The 2023 model costs an average of $1,230 per year to insure for full coverage.

Some other SUVs that rank well are the Buick Encore, Subaru Ascent, Buick Envision, and Mazda CX-5, with an average cost to insure of $1,322 per year or less.

On a monthly basis, auto insurance in this segment for the average driver starts at an average of $103 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 2023 models, the top five most affordable pickup trucks to insure in Omaha are the Ford Maverick, Chevrolet Colorado, Nissan Frontier, Ford Ranger, and GMC Canyon. Average rates for for these vehicles range from $1,348 to $1,474 per year.

Also ranking in the top 10 are models like the Hyundai Santa Cruz, Nissan Titan, Honda Ridgeline, and Ford F150, with an average cost of $1,650 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 $112 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 Ford Maverick at $1,348 per year and ending with the Nissan Titan XD at $1,814 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, Acura TLX, Cadillac CT4, and Genesis G70. The 2023 model has an average cost of $1,458 per year for full-coverage auto insurance.

Other models that are affordable to insure are the Lexus ES 250, BMW 228i, Lexus ES 350, and BMW 330e, with average annual insurance rates of $1,766 per year or less.

In the bottom half of the top 20, cars like the Mercedes-Benz AMG CLA45, Lexus RC 300, BMW 230i, Mercedes-Benz C300, Audi S3, and Volvo S60 cost between $1,766 and $1,814 per year for auto insurance.

Full-coverage insurance in this segment will start around $122 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 $1,458 per year, or $122 per month. For midsize 2023 models, the Cadillac CT5 is the cheapest model to insure at $1,748 per year, or $146 per month. And for large luxury cars, the Audi A5 has the most affordable rates at $1,824 per year, or $152 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 $1,356 per year, the Lexus RX 350 at $1,456 per year, and the Cadillac XT4 at $1,466 per year.

Also ranking in the top 10 are SUVs like the Mercedes-Benz GLA250, Lexus UX 250h, Cadillac XT6, and Cadillac XT5, with an average car insurance cost of $1,582 per year or less.

Car insurance rates for this segment in Omaha for an average middle-age driver starts at an average of $113 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 $1,356 per year, or $113 per month. For midsize 2023 models, the Lexus RX 350 is cheapest to insure at $1,456 per year, or $121 per month. And for full-size luxury SUV models, the Volvo XC90 has the cheapest car insurance rates at $1,676 per year, or $140 per month.

The table below ranks the luxury SUVs with the cheapest insurance in Omaha, starting with the Acura RDX at $1,356 per year and ending with the Mercedes-Benz GLC300 at $1,654 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 $1,500 per year, the Audi TT at $1,684 per year, and the Ford Mustang at $1,762 per year.

Other models that rank well in our comparison are the Toyota GR Supra, BMW M2, Subaru BRZ, and Toyota GR86, with average annual insurance rates of $1,960 per year or less.

From a monthly standpoint, full-coverage car insurance in Omaha on this segment for a safe driver starts at around $125 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 $1,500 per year and ending with the Lexus LC 500 at $2,442 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 $1,590 up to $1,968 per year. The cheapest car insurance quotes are on the $42,795 Silverado WT Regular Cab 4WD model, while the most expensive is the $73,395 Silverado ZR2 Crew Cab 4WD trim.

On a monthly basis, full-coverage car insurance on a Chevrolet Silverado for a safe driver can range from $133 to $164 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 $1,472 to $4,066 per year, which is a difference in cost of $2,594 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 2023 Nissan Sentra are on the base S trim, costing an average of $1,464 per year, or around $122 per month. This model has a retail price of $19,950.

The most expensive 2022 Nissan Sentra to insure in Omaha is the SR Midnight Edition model, costing an average of $1,546 per year, or around $129 per month. The retail cost for this trim is $23,395, before destination and documentation fees.

On a monthly basis, car insurance rates for the Nissan Sentra can range from $122 to $129 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 $1,406 to $1,558 per year. The least-expensive insurance rates are on the $27,360 Rogue S 2WD trim level, while the most expensive model to insure is the $37,230 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 $162 to $182 cheaper per year in Omaha, depending on the exact model being insured.

From a monthly standpoint, car insurance on a 2023 Nissan Rogue for an average middle-age driver can range from $117 to $130 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 $1,240 to $3,392 per year, which is a difference of $2,152 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 $1,642 per year. With prices ranging from $27,720 to $38,450, average car insurance quotes on a Honda Accord range from $1,522 per year for the Accord Hybrid model up to $1,782 per year for the Accord Touring trim.

On a monthly basis, car insurance for a Honda Accord can cost from $127 to $149 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 $1,612 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 $255 per year over a decent credit rating of 670-739. Conversely, a less-than-good credit score could cost up to $296 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 $424 per year. Serious violations like DWI or reckless driving could raise rates by an additional $1,494 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 $276 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 $49 and $164 on your annual car insurance cost, depending on the age of the driver.