Car insurance in Omaha costs an average of $1,594 per year for comprehensive coverage and $485 for basic coverage. Despite the fact that these rates are lower than the national average, given the amount of incidents each year, it is still necessary to obtain the cheapest auto insurance. In Douglas County, where Omaha is located, there were 13,339 car accidents in 2019.
Based on characteristics such as average annual cost, coverage options, and discounts available, we utilise the most recent rates and data to select the top car insurance carriers. In Omaha, this is the best affordable auto insurance in 2021.
Omaha's best car insurance companies
Below-average rates, good policy selections, large discounts, impressive third-party ratings in J.D. Power's 2021 U.S. Auto Insurance Study for overall customer happiness and claims handling, and strong financial stability characterise the finest auto insurance providers in Omaha. The following are the top vehicle insurance companies in Omaha:
Auto-Owners
In J.D. Power's Central region rankings, Auto-Owners scored above average for overall customer satisfaction. The business is well-known for its low prices, outstanding customer service, and generous discounts. Omaha drivers may save money by paying their premiums on time, combining their policies, paying in full, getting a quote ahead of time, and not filing a claim. Auto-Owners also offers a number of special savings for student drivers.
Farmers
Farmers is one of the most economical car insurance alternatives in Omaha, but it offers more than just low prices. Loss of use coverage, gap insurance, Guaranteed ValueTM coverage, tailored equipment coverage, full windshield and glass coverage, OEM coverage, and more are among the options available. Farmers also offers a Signal safe driver discount programme, which may save you up to 20% on your premium.
Progressive
Progressive's vehicle insurance coverage in Omaha are somewhat more expensive than the national average. Progressive, on the other hand, has a long list of discounts, coverage options, and online resources. You can save an average of $145 on your premium by enrolling in the Snapshot safe driver programme, and you can use the Name Your Pricing Tool to select coverage in your price range. Progressive also offers several unusual insurance options, including as custom parts and equipment insurance and ridesharing insurance.
State Farm
With 16.1% of the total market share, State Farm is the largest car insurance company in the country. Steer Clear for drivers under 25 and Drive Safe & Save for drivers over 25 are two app-based safe driver savings programmes offered by State Farm. For Omaha drivers who require additional coverage beyond their base policy, State Farm offers roadside assistance, ridesharing insurance, and rental car reimbursement.
USAA
Although USAA exclusively sells insurance to active duty and retired military personnel, as well as their qualifying family members, the company has a good reputation. In Omaha, USAA offers low rates as well as excellent customer service and a variety of savings options. Switching to USAA saves drivers an average of $707 a year on car insurance. Safe drivers, good students, taking a defensive driving course, driving under a particular annual miles, garaging your vehicle on base, insuring multiple vehicles, and more all qualify for savings.
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