- AUTO INSURANCE
AUTO INSURANCE IN OMAHA
An independent agency helping Omaha drivers find the right auto insurance since 1994. We work with multiple trusted carriers to find the best combination of coverage, price, and service for your situation.
- WHAT WE COVER
Auto Coverages Available through Omaha Insurance.
Every driver’s needs are different, and the right policy reflects your vehicle, your driving habits, and your situation. Our agents help you put together coverage that actually makes sense for you.
REQUIRED IN NEBRASKA
Bodily Injury Liability
Covers medical expenses and legal costs for others injured in an accident where you are at fault.
Personal Injury Protection (PIP)
Pays for medical bills and lost wages for you and your passengers, regardless of who caused the accident.
Uninsured/Underinsured Motorist
Protects you when the at-fault driver has no insurance or not enough to cover what the accident actually costs.
Property Damage Liability
Covers the cost of damage you cause to another person's vehicle or property in an at-fault accident.
OPTIONAL ADD-ONS
Optional Bodily Injury to Others
Raises your bodily injury limits above the state minimum for stronger protection in serious accidents.
Medical Payments Coverage
Adds coverage for medical expenses beyond your PIP limits, for you and your passengers.
Collision Coverage
Covers damage to your own vehicle from a collision with another car or object, regardless of fault.
Comprehensive Coverage
Covers non-collision damage to your vehicle, including theft, hail, fire, flooding, and animal strikes.
Rental Reimbursement
Covers the cost of a rental car while your vehicle is being repaired after a covered claim.
Towing & Roadside Assistance
Covers towing and basic roadside help when you need it — flat tires, dead batteries, and lockouts.
TELEMATICS PROGRAMS
Some carriers offer usage-based programs that may reward safe driving habits with potential savings. Ask our team about available telematics options.
- WHAT WE COVER
What Auto Insurance Coverage
Do You Actually Need?
The right auto insurance is not about meeting a legal minimum; it is about being protected when a serious accident actually happens. In Nebraska, every driver is required by law to carry coverage in three areas:
01 · BODILY INJURY
Optional Bodily Injury to Others
Covers medical expenses, lost wages, and legal costs for other people injured in an accident where you are at fault. Nebraska's minimum is $25,000 per person and $50,000 per accident. A single hospitalization can run well above $25,000, and a collision involving multiple people can push total costs far beyond $50,000, meaning anything above your limit becomes your personal financial responsibility. At Omaha Insurance Services, our standard starting point is 250/500 limits, because that is where meaningful protection for most drivers begins.
02 · PROPERTY DAMAGE
Property Damage Liability
Covers repair or replacement costs for another person's vehicle or property when you are at fault. Nebraska requires a minimum of $25,000. With the average new-vehicle price now well above that threshold, a single at-fault collision with a newer car can reach or exceed it.
03 · UNINSURED MOTORIST
Uninsured/
Underinsured Motorist Coverage
Protects you when the driver who caused the accident has no insurance or carries limits too low to cover what the accident actually cost you. Nebraska requires this coverage at the same minimum levels as bodily injury, and it is one of the most important protections on any policy, given how many drivers on the road carry only the bare minimum.
- AUTO INSURANCE
Why Choose Omaha Insurance Services for Your Auto Insurance
Serving Omaha Since 1994
For over 30 years, we have helped Omaha drivers find auto insurance that genuinely protects them, not policies that just clear a legal hurdle.
Independent Insurance Agency
As an independent agency, we work across multiple carriers to find coverage that fits your situation, not whatever a single insurer has available.
Personalized Service
Every driver's situation is different. Our agents take the time to understand your situation before recommending suitable coverage.
Strong Coverage with Better Service
We do not lead with the lowest rate; we lead with the right coverage. Our agents focus on placing policies at proper protection levels, and that service does not stop once the policy is signed.
Proven Track Record
Thirty years of serving Omaha drivers, a client base built largely on referrals, and thousands of auto policies placed with carriers we trust; that is the track record we bring to your coverage.
At Omaha Insurance Services, we blend innovation with compassion to protect what matters most. We are committed to our clients, our people, and our community, building trust through service, connection, and care.
- OUR INSURANCE PARTNERS
Backed By 30+
Top Rated Carriers
Access reliable coverage from 30+ trusted insurance carriers serving Omaha residents and businesses.
- CLIENTS TALK
Customer Reviews
- FAQs
Questions,
Answered.
Everything Omaha clients ask most — in plain English. If you don’t see yours, our agents are a phone call away.
What is the minimum auto insurance required in Nebraska?
Nebraska requires minimum bodily injury liability of $25,000 per person and $50,000 per accident, plus $25,000 for property damage, and for many drivers, carrying coverage well above that threshold is what provides genuine peace of mind. You can verify current requirements at the Nebraska Department of Insurance.
How much car insurance do I actually need?
Your coverage should be sufficient to protect your assets, your household, and your financial future, not just enough to satisfy a legal requirement. At Omaha Insurance Services, we start every auto insurance conversation at 250/500 bodily injury limits because that is the level of protection we believe in.
What does an independent insurance agent do differently than a direct carrier?
An independent insurance agent represents multiple carriers and finds the coverage that fits your specific situation, rather than being limited to one company’s products. At Omaha Insurance Services, our agents work for you, not for the insurer.
Does Omaha Insurance Services only cover drivers in Nebraska?
No, while Omaha is our home base, we are licensed to write auto insurance in most states. Contact us to find out if we can assist you in your state.
How do I get a car insurance quote from Omaha Insurance Services?
Fill out the quote form on this page or call us directly at 402-592-4455, and an agent will walk you through your coverage options.
- LEARN MORE
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- READY WHEN YOU ARE
Auto Insurance
Built Around You
Compare coverage options for your vehicle, driving habits, and state requirements with help from the Omaha Insurance Services team.