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Key Takeaways

  • A Lincoln car insurance costs $1,267 yearly.
  • With an average annual rate of $1,039, State Farm offers the most affordable car insurance quotes in Lincoln, NE.
  • Nebraska requires a minimum of $25,000 in property damage liability and $50,000 in bodily injury liability per accident.
  • In addition, Nebraska mandates uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident.
  • Lincoln has a high auto theft rate. So, buying an auto insurance policy with comprehensive coverage is better.

Lincoln Car Insurance

Are you a resident of Lincoln or have you just moved to the city? If you have a car, you must understand that you need a valid auto insurance policy to drive around the city. Since there isn't much public transportation, most people in Lincoln drive to work. So, buying Lincoln car insurance will be a priority for all car owners.

These drivers must keep their insurance policies in force to stay safe and compliant while driving. Lincoln car insurance costs are comparatively lower than the state and national averages. Still, car owners will be hunting for the cheapest car insurance in the city. Comparing the car insurance quotes in Lincoln, NE, before making a purchase is the best method to be sure you're getting a reasonable price on your auto insurance.

So, how much does a Lincoln car insurance cost? How can you find cheap car insurance in the city? Which are the various car insurance companies in Lincoln, NE? Continue reading our review on Lincoln car insurance to know more!

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How Much Does Car Insurance Cost in Lincoln?

For buying Lincoln car insurance, a driver needs to pay around $1,267. It is lower than the state average rate of $1,382 and the national average rate of $1,557. So, ideally, drivers in Lincoln won't have to drain their wallets to buy an auto insurance policy in the city.

Are you still looking for cheaper insurance rates? Then you have to get the quotes from different insurers, compare, and buy the one with the lowest price.

Lincoln (annual average) Nebraska (annual average) United States
$1,267 $1,382 $1,557

Our review of Lincoln car insurance is based on a driver's age, driving record, gender, credit score, and marital status. Keep reading to find out more!

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Lincoln Auto Insurance Premiums by Company

Almost all major insurers offer their services in Lincoln. So, what is the best way to lower your Lincoln car insurance rate? The greatest ideal to save money on auto insurance is to compare prices from as many providers as possible, then choose the one who offers the most reasonable quote.

With an average annual rate of $1,039, State Farm offers the most affordable car insurance quotes in Lincoln, NE. Progressive has the second-best Lincon car insurance rate with an annual rate of $1,225. These are the rates we found from some affordable car insurance companies in Lincoln, NE.

Car insurance company Average Annual Rate
State Farm $1,039
Progressive $1,225
American Family $1,263
Allstate $1,369

Lincoln Auto Insurance Premiums by Age Group

Age is a crucial factor that impacts the rate of Lincoln car insurance. With an average annual rate of $4,577, teenagers pay the highest for auto insurance in Lincoln. However, moving to your 20s reduces the car insurance rate in Lincoln by $2,902.

Among all age groups, drivers in their 50s and 60s pay the lowest Lincoln car insurance. Drivers in their 50s and 60s pay a rate of $1,117 and 1,124, respectively. So, how can you decrease the car insurance rate in Lincoln? One way is by getting out of your teens. Alternatively, look into your insurer's various discounts and see if you qualify for them. You can decrease the cost of auto insurance in Lincoln by obtaining various discounts.

Age Average Annual Rate
Teens $4,577
20s $1,675
30s $1,239
40s $1,206
50s $1,117
60s $1,124
70s $1,337

Lincoln Auto Insurance Premiums by Marital Status/Gender

Your gender and marital status are two important factors that impact the cost of Lincoln car insurance. Typically, single drivers pay more premiums as insurers consider them high-risk drivers and are likely to file claims. With an average annual rate of $1,267, single drivers pay $112 more than married drivers for Lincoln car insurance.

Also, widowed drivers in the city pay lower premiums than single drivers. Gender can also affect the rate of car insurance in Lincoln. With an average annual rate of $1,284, female drivers in the city pay $17 more for insurance than male drivers.

Gender/Marital Status Average Annual Rate
Male $1,267
Female $1,284
Single $1,267
Married $1,155
Widowed $1,230
Divorced $1,267

Lincoln Auto Insurance Premiums by Driving Record

Do you wish to keep the rate of your Lincoln car insurance lower? Then the best way is by keeping a spotless driving record. You will need to pay lower auto insurance premiums if you don't get citations like reckless driving, DWI/DUI, speeding tickets, or at-fault accidents.

Having a citation of reckless driving or at-fault accident substantially increases your Lincoln car insurance rate. These can increase car insurance rates to $1,790 and $1,788, respectively. A reckless driving citation makes you pay $523 more than the average city rate.

Offense Average Annual Rate
Reckless Driving $1,790
DUI/DWI $1,632
Speeding Ticket $1,462
At-Fault Accident (damages < $,1000) $1,625
At-Fault Accident (damages > $2,000) $1,788

Lincoln Auto Insurance Premiums by Credit Rating

Your credit score greatly affects your Lincoln car insurance. For example, a driver with a 'Very Poor' credit score must pay an average yearly rate of around $2,364 for auto insurance. It is $1,097 more than the average city rate.

Drivers with a 'Fair' credit score need to pay $1,493 for Lincoln car insurance. So, moving to this category itself reduces your insurance cost by $871. Drivers with a 'Good' credit score pay an insurance cost of $1,267, the same as the average city rate.

Credit Rating Average Annual Rate
Very Poor $2,364
Fair $1,493
Good $1,267
Very Good $1,145
Exceptional $1,045

What drives up your car insurance rates in Lincoln?

Your Lincoln car insurance rates depend on where you reside. Crime, theft, and uninsured drivers differ by ZIP Code. Therefore, insurers may view you as a high risk to cover if you live in a community where people don't get along. It could result in higher insurance rates than a friend who lives near your area.

68517, 68503, 68524, 68514, and 68527 are some of the most expensive ZIP Codes in the city. People living in ZIP Codes like 68516, 68505, 68506, 68507, and 68512 need to pay lower insurance rates.

Auto insurance in Lincoln: Minimum insurance requirement in Nebraska

Before searching for the best insurance providers and rates in Lincoln, it is essential to know the state's insurance regulations. In Nebraska, all motorists must have a car insurance policy containing the following protection categories.

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability per accident - $25,000
  • Underinsured/uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident

When it comes to car accidents, Nebraska is an at-fault state. It means that the repair costs and medical expenses of the other party must be covered by the insurer of the motorist who was determined to be at fault for the collision. The state also features a modified comparative negligence rule. It means that the insurance payouts will be decreased by the insurers or the jury hearing the case if more than one person is at-fault for the collision.

Useful Info for Driving in Lincoln

Lincoln is the second-most populated city in Nebraska. A whopping 89 percent of Lincoln residents commute by car, taking an average of 18 minutes. The typical Lincoln home has two cars. So, you can imagine how busy the roads will be. Here is some of the info about the transport system in the city.

  • Interstate 80 serves the city. In addition, seven interchanges on Interstate 80 connect Lincoln to Teaneck, New Jersey, in the New York City metropolitan region and San Francisco in the west. Interstate 180, US Route 6, US Highway 34, US Highway 77, and the close-by Nebraska Highway 79 are other highways that service the Lincoln region.

Auto Theft Statistics in Lincoln

Unfortunately, Lincoln records numerous auto theft cases yearly. For instance, in 2019, the auto theft rate in the city was around 155.9 per 100,000 residents. At the same time, the national rate was around 219 per 100,000 residents. But, the theft rate in Lincoln is lower when compared to the state average.

So, suppose you're living in Lincoln. In that case, buying an auto insurance policy with comprehensive coverage is safe to get enough coverage for auto theft.

Lincoln theft rate (per 100,000 persons) United States theft rate (per 100,000 persons)
193.9 219

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Car Insurance Companies in Lincoln, NE

Are you seeking affordable auto insurance providers in Lincoln? The city's insurance companies tend to offer specific coverage at reasonable prices. You can also understand the most complex regulations, insurance terms, coverages, and discounts in the state with the assistance of our car insurance agents in Lincoln. Talk to them if you want to find cheap car insurance companies in Lincoln, NE.

These are some of the insurers operating in the city.

Insurers
State Farm
American Family
USAA
Auto-Owners
Progressive
Allstate
Farm Bureau
Farmers
Travelers
Nationwide
Safeco
Liberty Mutual
Dairyland

Driving Conditions in Lincoln

  • Driving conditions are fair.
  • Lincoln traffic is not that easy to navigate.
  • On average, there are 86 rainy days per year. Rain averages 31 inches.
  • Snowfall averages almost 28 inches.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQs

Does Nebraska allow electronic proof of insurance?

An original document from an insurance provider with Nebraska business permission is required. Photocopies cannot be used. However, an electronic image presented on a gadget could be proof of insurance (i.e., cell phone, tablet, laptop, etc.).

Does insurance follow the car or the driver in Lincoln, Nebraska?

In Nebraska, car insurance typically follows the car. Bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive are the many forms of auto insurance that follow the car in Nebraska.

Is Nebraska a no-fault auto insurance state?

No-fault insurance is mandated by law in many states, but not in Nebraska. Instead, each driver involved in an accident is given a percentage of the blame because Nebraska is a state that recognizes comparative culpability.

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