Omaha Car Insurance
Find the right car insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Omaha is Nebraska’s largest city and home to five fortune 500 companies. This city is a gorgeous place to live and work in, with many advantages for residents. Kiplinger’s Personal Finance magazine recognized Omaha, NE as the third best city in the nation to live in. If you are a driver in Omaha, you can expect heavy traffic and congested roads. Any resident of a big city will attest that rush hour traffic can come to a complete standstill at times. Don’t get behind the wheel without comprehensive Omaha car insurance. Let our Independent Insurance agents guide you every step of the way toward reliable insurance.
- National average cost per year: $1,311
- Nebraska average cost per year: $1,086
- #38 most expensive auto premium in the U.S.
Drivers can expect to pay slightly less than the national average when it comes to car insurance in Omaha. Keep in mind that finding an affordable policy can still be difficult. Our agents are experts and can help you navigate the many different options for car insurance. Many factors determine your individual premium, including the type of car you drive and your driving record.
Car Insurance Requirements in Omaha, NE
- Body injury liability: required
- Property damage reliability: required
- Personal injury protection (PIP): not required
- Uninsured motorist coverage: required
- Minimum liability limits: 25/50/25
To legally operate a vehicle in Nebraska, drivers must have car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 for total injuries in an accident and $25,000 for any resulting property damage. Keep in mind these state minimums are just a starting point and you always have the option to purchase additional coverage. If you get into an accident and the damage exceeds your minimum coverage, you are responsible for repairing your car out of your own pocket.
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Number of Uninsured Motorists in Nebraska
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Nebraska drivers: 6.7%
Nebraska does have a lower rate of uninsured drivers than other states; However, Omaha is a large city and may have a higher concentration of uninsured drivers than some rural areas. Getting into an accident with an uninsured driver can be a financial nightmare. Our agents will point you toward a policy that provides reliable coverage. In the event you have an accident with an uninsured driver, you can rest assured you are covered even if the other driver is not.
Number of Auto Thefts in Nebraska
- National number of thefts for 1,000 vehicles: 2.94
- Number of thefts for 1,000 vehicles in Nebraska: 2.26
Nebraska’s high number of auto thefts is definitely a cause for worry. Most people in Omaha rely on their personal vehicles to travel to work, to school or to run errands. Without your car, how would you be able to function in your daily routine? Choose an auto insurance policy that includes coverage for car theft so that you’ll have peace of mind that you’re always covered even if your car does get stolen.
Find a Great Omaha Car Insurance Policy
When you are searching for car insurance in Omaha, you need to take your time and make sure you get the best policy. It is easy for drivers to get overwhelmed when searching for auto insurance and simply buy the first policy they find. This could prove to be a costly mistake. Our Independent Insurance Agents are experts at finding a reliable policy that will protect your car from common threats. Our agents will also keep your budget in mind when shopping for the right policy for you.
Contact an agent today to get a free customized quote on Omaha auto insurance.