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Finding the cheapest car insurance quotes in Lincoln shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Lincoln
The car insurance rate in Lincoln is $935 for a six-month policy, which is $29 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Lincoln can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $449 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $663 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American Family
American Family offers auto insurance
rates at $703
for six months, making it
the third cheapest auto insurance company in Lincoln.
Lincoln Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lincoln, KS is AutoOwners Insurance Co, offering policies at just $449 for a six-month term. This is followed by Travelers, which has an average six-month premium of $663.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1492 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lincoln drivers find the best deals.
Way's key takeaways about car insurance in Lincoln
The auto insurance costs in Lincoln fall around $449 for six
months.
The cheapest auto insurance company in Lincoln is USAA.
Teen drivers pay the highest rate in Lincoln at $746 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Lincoln
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Lincoln are given below.
USAA provides
the cheapest minimum car insurance
coverage in Lincoln. Their Average 6 Month Premium is $155.
Encompass is the most
expensive at $231 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Lincoln is AutoOwners Insurance Co
at $75 per month and $449
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lincoln,
KS
Get Your Car Insurance Quote in Lincoln
Instantly!
Average Car Insurance in Lincoln by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Lincoln, KS increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lincoln, Kansas, may be increasing due to several external factors.
Kansas has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Lincoln's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lincoln
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Nationwide
$741
30s
Nationwide
$637
40s
Nationwide
$516
50s
Nationwide
$472
60s
Nationwide
$450
70s
Nationwide
$489
Cheapest Car Insurance Rates for Teen Drivers in
Lincoln,KS
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners Insurance Co provides the cheapest car
insurance in the Lincoln at $36
per
month. At $4431 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Nationwide is
the best choice for car
insurance in Lincoln.
As young drivers face the highest rates in Lincoln, Nationwide
offers the cheapest auto insurance rates at $741 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Lincoln,
Iowa Farm Bureau is
the cheapest car insurance provider. At $386 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Lincoln is State Farm, offering
rates of around $4068 for six
months.
Save up to $971/yr on car insurance rates in Lincoln.
Car Insurance Rates with An Accident in Lincoln
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Lincoln, KS,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lincoln
The cheapest car insurance companies after an at-fault accident in
Lincoln include AutoOwners Insurance Co
and Electric, offering $196
and $276,
respectively. Encompass is an expensive provider
with an average six-month premium of
$317.
Here is a list of driving violations that can increase your car
insurance rates in Lincoln KS. For example, the car
insurance in Lincoln
after a DUI increases to $986 for a six
month policy. While the rate increases by $219 for a six-month policy in the case of
a speeding ticket.
Lincoln auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1129
$188
One Med/PIP claim
$1129
$192
Not-at-fault accident
$1158
$193
Two Med/PIP claims
$1210
$206
One comp claim
$1215
$203
Failure to show documents
$1250
$212
Two comp claims
$1262
$210
Failure to wear a seat belt
$1274
$216
Child safety restraint
$1308
$218
Driving with expired registration
$1308
$222
Driving without lights
$1308
$218
Speeding 6 - 10 MPH over limit
$1348
$229
Cell phone violation
$1366
$228
Driving too slowly
$1366
$232
Texting while driving
$1366
$228
Failure to yield
$1377
$234
Following too closely
$1377
$230
Illegal turn
$1377
$234
Wrong way/wrong lane
$1377
$230
In 65 MPH zone
$1383
$235
Speeding 11 - 15 MPH over limit
$1383
$231
Failure to stop at a red light
$1389
$236
Improper passing
$1389
$232
Speeding in school zone
$1389
$236
Speeding 16 - 20 MPH over limit
$1394
$233
Open container
$1406
$239
Operating a vehicle without permission
$1417
$237
Passing school bus
$1429
$243
Speeding 21 - 25 MPH over limit
$1429
$239
At-fault accident - less than $1000
$1446
$246
At-fault accident - $1000-$2000
$1596
$266
At-fault accident - greater than $2000
$1596
$272
Racing
$1763
$294
Reckless driving
$1913
$325
Driving with a suspended license
$2074
$345
Refusal to submit to a chemical test
$2097
$357
DUI
$2115
$352
Leaving scene of an accident/hit and run
$2201
$374
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Lincoln after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Lincoln.
The cheapest car insurance premiums in
Lincoln are
offered by Farmers Union Insurance at $380 for a six-month policy.
However, it can be as
expensive as $3054 with companies
like Farm Bureau.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Lincoln are offered by Iowa Farm Bureau
at $253. However,
it can be as expensive as $3296
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Lincoln after Speeding ticket
Car insurance rates in Lincoln have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lincoln rose by
$179 in December
compared to $178 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Lincoln rose to $45 in December,
compared to $44 in November.
This represents an increase of $1
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lincoln. At $1870 for a
six-month policy, insuring
your car at 67455 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Lincoln?
The car insurance in Lincoln is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Lincoln?
The cheapest car insurance in Lincoln
is $75 per month
for full coverage.
How much is car insurance in Lincoln for teenagers?
Car insurance for teenagers costs $213 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Lincoln?
The average cost of car insurance is $964 for a six-month
policy. It will cost around $157 per month to insure your
car in Lincoln.
Is car insurance expensive in Lincoln?
Car insurance can be expensive in Lincoln if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lincoln can be
affordable.
What is the best car insurance in Lincoln,
KS?
The best car insurance company in Lincoln
KS is
AutoOwners Insurance Co, offering $449 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lincoln, KS
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Lincoln Car Insurance
