Car Insurance in Omaha
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Driving in œThe Big O
With over 485,000 residents. Omaha stands as the largest city in Nebraska. Nicknamed œThe Big O, the city has much to offer for locals and visitors. Several global companies are headquartered here, making Omaha a major midwestern economic hub. There are more things to do here besides work. Enjoy stunning views of the Missouri River from the Bob Kerrey Pedestrian Bridge or take in Omaha's history at the Durham Museum, housed in an art deco train station.
With major employers such as Union Pacific Railroad and TD Ameritrade in town, you shouldn't be surprised that there are many drivers on the roads here. Omaha is also a major transportation hub, not only due to Union Pacific Railroad's presence here but also with service from Amtrak, the national passenger rail system. Omaha has a public transportation system that includes light rail and bus transit, but it is also considered a very walkable large city.
Knowing Local Risks
In a city the size of Omaha, there are many cars on the roads. Despite its walkability, Omaha has several major freeways including I-80, I-480, I-680, I-20 and U.S. Route 75. According to the Nebraska Department of Transportation, the number of urban fatal crashes in 2022 was 33% higher than in the previous four years. The presence of major highways and a large number of drivers contribute both to higher rates of collisions as well as vehicle theft. Having car insurance in Omaha isn't just state law. It's peace of mind if you're ever involved in a car crash or suffer major losses with your automobile.
Understanding Minimum Requirements
Omaha drivers must have these coverages at a minimum :
- $25,000 for bodily injuries per person
- $50,000 for all bodily injuries per accident
- $25,000 for property damage
- $25,000 for uninsured/underinsured motorist bodily injury per person
- $50,000 for uninsured/underinsured motorist bodily injury per accident
Having the minimum coverages for car insurance in Omaha may be insufficient, especially in an accident involving multiple vehicles, multiple passengers or extensive property damage. A more complete insurance plan should also include these coverages:
- Collision: This pays for damage to your auto in a collision, regardless of who is at fault.
- Comprehensive: This benefit pays for vehicle losses due to theft, vandalism, fire, hail, falling objects and other perils.
- Medical payments: This is coverage for medical expenses for you and your passengers, whether you're at fault or not.
- Personal injury protection: This covers lost wages and other related expenses you may incur following an accident.
Some car insurance policies also include reimbursement for rental cars and roadside assistance. VIU by HUB helps you determine reasonable coverage limits for the way you drive and compare quotes to get the best rates from insurers.
Making Sense of Your Premiums
Omaha drivers pay $2,498 annually for auto insurance premiums, on average. This is considerably more than the state average and the national average of $2,008. Your premium will be based on these factors:
- Location: Drivers in large cities like Omaha pay more for insurance.
- Age: Younger and less experienced drivers will pay significantly more.
- Driving record: Past speeding tickets, accidents and DUI violations will raise your rates.
- Gender: Men usually pay more than women of a similar age.
- Marital status: Single drivers have higher premiums than married drivers.
Your car and credit history are other factors for consideration. The good news is that VIU by HUB can help you compare quotes for similar levels of coverage, saving you money on car insurance in Omaha.
This information is intended for general informational purposes only and is not intended to constitute legal advice.