Cheap Car Insurance in Lincoln, NE

Are you looking for cheap auto insurance in Lincoln, NE? With, you could find the best insurance premiums in your city. To acquire free car insurance rates from the top providers right away, provide your postal code in the quote box in this posting.

Lincoln is the second biggest city in Nebraska, and also the capital of the state. The city has a history with politics and political figures; it was originally named after President Abraham Lincoln, and was represented by William Jennings Bryan. Because of its thriving economy and rich culture, Lincoln has been voted a “Five Star Community” by Expansion Management.

  • Fun fact: were you aware that Lincoln is #11 (68512) on the list of “Top 101 zip codes with the largest percentage of Latvian first ancestries (pop 5,000+)”? Read up on Lincoln here.

Auto Insurance Coverage Requirements in Nebraska

Driving legally in Lincoln requires:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability25,000100,000
Uninsured Motorist Bodily InjuryNot required100,000/300,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

Just because there aren’t many state requirements for Nebraska drivers, doesn’t mean you should skimp on coverage for your own vehicle. It’s important to look into other, more comprehensive forms of coverage, such as Collision, Comprehensive, or Uninsured Motorist coverage. This is especially true for newer vehicles.

There are some unfortunate drivers in Nebraska who have to pay $110 each month on average, just to maintain their insurance coverage. Fortunately, Lincoln drivers have the opportunity to get rates as low as $32/mo*!

Average Monthly Auto Insurance Premiums Legend: Lincoln Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 $26 $31 $29 $32 $35


If you need the absolute lowest rate, you’ll probably get lucky with either Liberty Mutual, Farmers, or Allstate. But don’t be fooled by a cheap price tag. It’s important to invest with a company that also excels and filing claims efficiently and providing excellent customer service.

Auto insurance carriers in Nebraska contemplate several elements when calculating insurance quotes, such as gender, accident claims, credit score/rating, driving distance to work, and current insurance coverage and limits. Also keep in mind that premiums differ from company to company. To make sure you’re still receiving the best price, review cheap Lincoln auto insurance costs online.

Major Car Insurance Factors in Lincoln

When your car insurance company sits down to come up with your plan, they take a lot of issues into consideration. Some, like your real age or your exact region, tend to be difficult to alter. Some additional variables are:

Your Zip Code

Where you store your automobile every night will probably have a major impact on your car insurance rate. Generally, car insurance cost less in non-urban regions mainly because fewer vehicles means a smaller likelihood that you’re going to get in a collision with some other car. The populace of Lincoln is 268,738 and the normal family earnings are $49,419.

Auto Insurance by Zip Code Legend: Omaha Bellevue Kearney Lincoln Grand Island Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 40 45 $32 $28 $21 $26 $21 $35 $32 $23 $31 $25 $35 $29 $21 $29 $21 $41 $30 $20 $32 $21 $49 $39 $25 $35 $26


Automotive Accidents

If your zip code has a high rate of serious accidents, your insurance company might raise rates on drivers in your area. Thankfully, for a city with more than a quarter million people in it, Lincoln accident rates are pretty low. You may already be enjoying lower rates as a result.

Fatal Accidents in Lincoln, NE Legend: Lincoln Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 6 8 1 6 9 2


Auto Thefts in Lincoln

Rates of auto theft in Lincoln are steadily falling. In 2013, only 306 motorists reported vehicle theft. And considering population statistics, theft per capita in Lincoln is also very low. But that doesn’t mean you shouldn’t protect yourself with a passive anti-theft device, or even adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Liberty Mutual Allstate Farmers State Farm Nationwide 10 20 30 40 50 60 70 80 90 100 110 120 $26 $122 $31 $79 $29 $81 $32 $79 $35 $67


Your Credit Score

In your area, most drivers will have to pay at least double (or possibly more) for their monthly insurance premium of they have a poor credit score. Some companies, such as Nationwide or Allstate, however, are a little more forgiving. Regardless, you should take whatever steps are necessary to improve your credit score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 $22 $43 $28 $37 $23 $60 $27 $61 $32 $48


Your Age

And speaking of young teenage drivers: if you’re a parent trying to help your teen or young adult child get coverage, you’re in for a struggle. Drivers under the age of 25 are charged some of the highest rates out there. But you can ask your local agent about Driver’s Ed and/or Good Student discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Liberty Mutual Allstate Farmers State Farm Nationwide 30 60 90 120 150 180 210 240 270 $26 $114 $31 $84 $29 $281 $32 $147 $35 $140


Your Driving Record

Some violations are more serious than others. But even a small speeding ticket or a tiny “fender-bender” can send your premium through the roof. Luckily, you may be eligible for an Accident Forgiveness discount, which will exclude a minor offense from being calculated into your monthly rate.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Allstate Farmers State Farm Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 $26 $35 Do Not Sell $40 $31 $34 $39 $28 $29 $34 $40 $41 $32 $36 $36 $39 $35 $36 $93 $41


Your Vehicle

Technically, you can get very affordable insurance coverage for a luxury vehicle. In reality, though, getting minimal coverage for an expensive vehicle isn’t a smart idea. It’s best to purchase a comprehensive policy in sufficiently high amounts in order to protect your investment, even if the monthly premiums are expensive.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Allstate Farmers State Farm Nationwide 15 30 45 60 75 90 105 120 $26 $130 $31 $108 $29 $91 $32 $97 $35 $65


Minor Car Insurance Factors in Lincoln

But if you can’t change any of the major factors above, you might consider the following:

Your Marital Status

In truth, anyone can take advantage of bundling discounts. A single person can bundle their auto policy with renters insurance, for example. But married couples have many more opportunities than most. You can bundle with your spouse, add your young drivers to a family policy, or even bundle with your homeowner’s coverage.

Your Gender

There are still a handful of providers out there who still charge different rates by gender – but they are few and far between. Likewise, one company may charge males more while the next might charge more for females. Regardless, these charges are rarely more than 1-2% extra.

Your Driving Distance to Work

While most residents enjoy short commute times averaging 12-16 minutes, it is not uncommon to spend up to 24 minutes getting where you need to be. Approximately 79% drive their own vehicle around Lincoln, while between 3-15% will most likely carpool to work.

Try to avoid insuring a business vehicle, if you can; they’re 10-12% more to cover than personal vehicles, on average. Speaking of driving habits, The discounts for driving fewer miles, or only driving to work/school, aren’t as high as you might think. Even a drastic mileage reduction will only net you a 4-5% discount.

Your Coverage and Deductibles

If you’re paying a high monthly rate for your coverage, talk to your agent about raising your deductible. Doing so means that you’re willing to share more of the potential financial burden associated with repairing or replacing your vehicle, and they will reward you with lower monthly rates.

Education in Lincoln, NE

One quarter of the Lincoln population has already achieved their high school diploma (or other equivalent). Furthermore, 21% of Lincoln residents have also gone on to obtain a bachelor’s degree. And since auto insurance providers have recently started offering lower rates to drivers with advanced degrees, that latter group will undoubtedly see lots of savings in the near future – even more than motorists with prestigious careers or an income above a certain level.

The largest public institution for higher education is the University of Nebraska – Lincoln. It actually operates two distinct campuses within the city with a total enrollment of more than 23,000 students. Two other colleges, Union College and Nebraska Wesleyan University, offer liberal arts degrees. And for those looking into technical/vocational training, you might be interested in the Lincoln School of Commerce or the Lincoln Campus of Southeast Community College.

Finding reasonably priced automobile insurance may be a problem. There’s lots of information you need to consider, and understanding the way in which insurance providers examine your possible risk might be complicated. But try not to allow the wrong insurance agency talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Nebraska Department of Insurance

Nebraska Department of Banking and Finance

Department of Highway Safety and Motor Vehicles

It is easy to compare car insurance quotes in your area just by putting in your zip code into the calculator below.