The average cost of a full coverage insurance policy in Lincoln is $1,454 per year. Compared to the state average of $1,617, Lincoln residents pay about $163 less for car insurance than other drivers in Nebraska. However, car insurance rates are different for everyone, and personal details like your age, credit score and driving record will affect your overall rates.
The best way to ensure you’re getting a good deal on your car insurance is to compare quotes before you buy. Policygenius can help you see options from top companies and find affordable coverage that meets your needs.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Lincoln, NE
Insurance companies all use the same basic information to determine insurance rates. But even though companies all look at personal details like your age, driving record, and location, they won’t all charge you the same amount for coverage, which is why it’s so important to compare quotes before you buy a policy.
Company | Average cost | JD Power Rating |
|---|---|---|
Auto-Owners Insurance | $899 | 865 |
GEICO | $913 | 874 |
USAA | $1,050 | 890 |
Amco | $1,084 | -- |
Farmers Mutual of Nebraska | $1,151 | -- |
Cheapest car insurance rates by ZIP code in Lincoln, NE
ZIP codes are one of the biggest factors insurance companies use to set insurance rates. Insurers look at the number of accidents, traffic tickets, and stolen vehicles in a given neighborhood to figure out how likely (or not likely) those drivers are to file a claim.
ZIP code | Average cost |
|---|---|
68512 | $1,403 |
68516 | $1,405 |
68522 | $1,412 |
68506 | $1,412 |
68505 | $1,429 |
68507 | $1,433 |
68510 | $1,435 |
68502 | $1,440 |
68523 | $1,448 |
68520 | $1,449 |
Choosing the right car insurance company in Lincoln, NE
Choosing the right car insurance company is an important decision. Whether you’re looking for the cheapest rates you can get or you want a company with top-notch customer service, the key to finding what you want is comparing your options.
Policygenius can help you see quotes from top companies, so you can find the best coverage options at a price that works for you.
Car insurance rates for drivers with driving violations in Lincoln, NE
A single speeding ticket can increase your car insurance by hundreds of dollars. For drivers cited for distracted driving, driving under the influence or causing an accident, insurance rates could be even higher.
Violation | Auto-Owners Insurance | GEICO | USAA | Amco | Farmers Mutual of Nebraska |
|---|---|---|---|---|---|
At-fault accident | $1,354 | $2,060 | $1,599 | $1,944 | $1,565 |
DUI | $1,941 | $3,497 | $2,308 | $2,285 | $2,560 |
Suspended license | $1,941 | $916 | $2,200 | $2,285 | $2,560 |
Open container | $1,097 | $916 | $1,578 | $2,285 | $1,287 |
Expired registration | $920 | $916 | $1,391 | $1,379 | $1,287 |
Driving without lights | $920 | $916 | $1,391 | $1,379 | $1,287 |
Running a red light | $920 | $916 | $1,391 | $1,379 | $1,287 |
Following too closely | $920 | $916 | $1,391 | $1,379 | $1,287 |
Hit and run | $1,941 | $3,497 | $2,410 | $2,285 | $2,560 |
Not-at-fault accident | $920 | $963 | $1,116 | $1,137 | $1,287 |
Passing a school bus | $1,198 | $916 | $1,578 | $1,379 | $1,287 |
Reckless driving | $1,941 | $2,326 | $1,578 | $2,285 | $2,560 |
Speeding | $1,367 | $1,183 | $1,391 | $1,379 | $1,409 |
Cheapest car insurance for drivers with bad credit in Lincoln, NE
Bad credit is bad news when it comes to car insurance. Drivers with bad credit often pay more than double for car insurance than those drivers with a good score. If you have poor credit, the best way to find affordable coverage is to shop around and compare options.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,452 |
Amco | $1,591 |
Farmers Mutual of Nebraska | $1,859 |
USAA | $1,864 |
IMT Insurance | $2,002 |
Buying car insurance in Lincoln, NE
Proof of financial responsibility is required on all vehicles in Nebraska. The Nebraska state minimum insurance requirements are:
Bodily Injury Liability Coverage Per Person: $25,000
Bodily Injury Liability Coverage Per Accident: $50,000
Property Damage Liability Coverage: $25,000
Uninsured/underinsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Nebraska is an at-fault state when it comes to car accidents. This means that the insurance company of the driver found responsible for an accident has to pay for the other party’s repair costs and medical bills.
The state also follows a modified comparative negligence rule, which means if more than one party is responsible for the crash, insurance payouts will be reduced by the insurance companies or the jury hearing the case.
How to get cheap car insurance in Lincoln, NE
Most insurance companies offer a range of discounts that can help you save on your premiums. Here are some of the most common:
Bundling Discount: For combining home and auto or other coverage from the same company
Safe-Driver Discount: For have no accident claims in a given timeframe
Low Mileage discount: For drivers with a short commute or who drive less than 7,500 miles annually
Military discount: A discount for active-duty service members and their families
Not all drivers qualify for these discounts, so ask your insurance company how you can save money on your car insurance.
Frequently asked questions
Who has the lowest car insurance rates in Lincoln?
According to our research, Auto-Owners Insurance has the lowest rates in the state, at $899 per year for full coverage. But rates will vary from driver to driver, so compare multiple options before you buy.
Is car insurance more expensive in Nebraska?
Drivers in Nebraska pay an average of $1,617 per year for car insurance, which is slightly higher than the national average.
Is it illegal to not have car insurance in Nebraska?
Nebraska state law requires drivers to have 25/50/25 levels of liability insurance or higher, along with uninsured/underinsured motorist coverage. Drivers who do not have at least the minimum required levels of coverage will have their driver's license and registration suspended.
How much is car insurance per month in Nebraska?
Drivers in Nebraska pay an average of $1,617 per year for car insurance, which breaks down to $135 per month. Drivers in Lincoln pay an average of $121 per month, which is $14 less than the state average.
