The best car insurance in Lincoln, NE

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 15, 2021

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The average cost of a full coverage insurance policy in Lincoln is $1,505 per year. Compared to the state average of $1,735, Lincoln residents pay about $230 less for car insurance than other drivers in the state. However, car insurance rates are different for everyone, and personal details like your age, credit score and driving record will affect your overall rates.

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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.

Key Takeaways

  • Auto-Owners Insurance has the cheapest average rates in Lincoln at $899 per year for full coverage

  • Lincoln drivers insured with GEICO who are arrested for DUI could see their insurance rates increase by $3,500 

  • The minimum liability car insurance requirements in Nebraska are $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability. 

  • Uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident is also required in Nebraska

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

890

GEICO

$913

871

USAA

$1,000

890

Amco

$1,085

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Farmers Mutual of Nebraska

$1,142

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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

68502

$1,454

68503

$1,492

68504

$1,490

68505

$1,460

68506

$1,437

68507

$1,458

68508

$1,489

68510

$1,459

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

$1,527

$1,947

$1,552

DUI

$1,941

$3,497

$2,204

$2,289

$2,538

Driving with a suspended license

$1,941

$916

$2,100

$2,289

$2,538

Driving with an open container

$920

$916

$1,504

$2,289

$1,276

Driving with expired registration

$920

$916

$1,325

$1,381

$1,276

Driving without Lights

$920

$916

$1,325

$1,381

$1,276

Failure to show documents

$920

$916

$1,325

$1,381

$1,276

Failure to stop at a red light

$920

$916

$1,325

$1,381

$1,276

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

$1,594

USAA

$1,764

Farmers Mutual of Nebraska

$1,844

IMT Insurance

$1,945

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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.

I got a divorce and my insurance rates went up, why?

Insurance companies consider married couples to be more stable and less of a risk than single drivers. If you went from married to single, you may pay slightly more for car insurance. Shopping around and comparing quotes could help you find lower rates.

Will my insurance rates go down when I turn 25?

Insurance rates for young drivers typically go down at age 25. However if you’ve had recent accidents or you just got your license, turning 25 may not actually lead to lower rates.

Methodology

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.