Cheapest Auto Insurance in Lincoln, Nebraska (2024)

Auto-Owners offers the cheapest car insurance in Lincoln, with minimum-coverage policies as low as $24 per month.

Lindsay Frankel
Written byLindsay Frankel
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Lindsay FrankelInsurance Writer
  • 5+ years in auto insurance and personal finance writing

  • Featured in top personal finance publications

Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Daniel Roccato
Reviewed byDaniel Roccato
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Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated June 16, 2024

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Cheapest recent rates near Lincoln, Nebraska

Recent Lincoln, Nebraska car insurance prices for Ford, Hyundai, Jeep , and more.

*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Lincoln drivers pay an average of $97 per month for liability coverage and $210 per month for full-coverage car insurance. That’s on par with the state averages of $91 for liability-only coverage and $222 for full coverage. In comparison, the national averages are $105 and $215, respectively.

With the second-largest population in the state, Lincoln has a high population density, which could help explain its comparatively high car insurance rates. More people living in an area increases traffic congestion, which can lead to more traffic accidents. Other factors besides location affect car insurance rates, including driver profile, driving history, and vehicle type.

Here’s what you need to know to find the best cheap car insurance in Lincoln, so you can spend your extra cash on things you enjoy.

Quick Facts
  • Drivers in Lincoln can expect to find the cheapest liability-only and full-coverage auto insurance from Auto-Owners.

  • Nebraska’s minimum car insurance coverage includes uninsured and underinsured motorist coverage. According to the Insurance Research Council (IRC), more than 9% of Nebraska drivers are uninsured.

  • In 2023, Lincoln police cited 1,252 motorists for impaired driving — the highest number since 2015, according to city police data.[1]

3 of the cheapest car insurance companies in Lincoln

Whether you live in Antelope Park or Capitol Beach, you’ll need a car insurance policy if you plan to drive. The right auto insurance company for you will depend on factors like your age, driving record, and coverage needs, so it’s important to compare quotes from multiple companies.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$40$25Cheap rates
American Family4.5$56$35Customer satisfaction
GEICO4.4$64$40Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
821
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$39/mo

In addition to providing the cheapest average full-coverage auto insurance rates, Auto-Owners offers great discounts for teens and college students. The company also has the highest possible financial strength rating (A++) from AM Best and fewer complaints with the National Association of Insurance Commissioners (NAIC) than the average for a company of its size.

Auto-Owners offers several coverage options, including gap coverage, additional expense coverage, and road trouble service. And the company ranks above average for customer satisfaction in the central region, according to the J.D. Power 2023 U.S. Auto Insurance Study.

Pros
  • Offers several discounts for teens and college students

  • Cheapest average rates overall

Cons
  • Ranked below average for claims satisfaction

  • No military discount or telematics discount in Nebraska

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Best insurer for customer satisfaction: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$55/mo

American Family stands out for customer satisfaction, ranking second for the central region in the J.D. Power 2023 U.S. Auto Insurance Study and receiving an above-average claims satisfaction ranking. The company has also had very few complaints with the NAIC about auto insurance in recent years.

In addition to standard auto coverages, American Family offers gap insurance, rental reimbursement, roadside assistance, AD&D coverage, and a rideshare endorsement. The company offers a variety of discounts and has an A financial strength rating from AM Best.


Pros
  • Second-cheapest average rates overall

  • Very few complaints with the NAIC

Cons
  • No military discount

  • Lower financial strength rating than some companies

Read our American Family review
Christina - June 13, 2024
Verified

Good, Expensive

Good, Expensive

Christina - June 13, 2024
Verified

Good

Overall, it's good.

Farhad - June 12, 2024
Verified

Great Insurance

Sometimes, it's hard to get a hold of them and their website doesn't always run smoothly. Their lack of use of OEM is disappointing. Other than that, they are great.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$62/mo

GEICO offers more discounts than most companies, including a 22% discount for good drivers, a 15% military discount, and a 25% multi-vehicle discount. Drivers older than 50 in Nebraska can save 10% by taking an approved defensive driving course. The company has an A++ financial strength rating from AM Best, the highest grade.

While GEICO had slightly fewer complaints with the NAIC in 2022 about car insurance, the company ranks below average for the central region in the J.D. Power 2023 U.S. Auto Insurance Study.


Pros
  • Offers a long list of discounts

  • A++ financial strength rating from AM Best

Cons
  • Ranked below average by J.D. Power for the central region

  • Offers few additional coverages outside of standard full-coverage insurance

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

How to get the cheapest car insurance in Lincoln

Lincoln car insurance is relatively inexpensive, but some drivers pay higher rates than others. While you can’t change your age or erase your driving record, you still have some ways to get a lower premium:

  • Compare quotes. Every insurer will weigh the information in your driver profile a little differently. Comparing quotes is the best way to get the lowest price for your unique situation. You can get direct quotes online, call an independent agency or broker, or use an insurance-comparison site to save time.

  • Bundle your policies. With some insurance companies, you can save up to 25% by bundling your auto insurance with your homeowners insurance or insuring multiple vehicles with the same company.

  • Ask about other discounts. You can also ask your insurance agent about telematics programs, vehicle equipment discounts, payment discounts, student discounts, driver’s education discounts, affiliation discounts, and other ways to save.

  • Increase your deductible. Choosing a high deductible for your car insurance policy will lower your premiums. Just make sure you can cover your share of the responsibility for a large repair bill in the event of an accident.

  • Drop optional coverages. If you have an old or inexpensive vehicle worth less than 10 times your premium, it might not make sense to carry full-coverage auto insurance. A liability-only policy may save you money.

Cheapest liability-only car insurance in Lincoln: Auto-Owners

Liability insurance includes bodily injury liability coverage, which pays for the other party’s medical bills in an accident you cause, and property damage liability coverage, which repairs or replaces the damaged vehicle or property in an accident you cause.[2]

In Nebraska, liability policies also include uninsured and underinsured motorist coverage, which reimburses you if you’re the victim of a hit-and-run or hit by a driver without sufficient insurance coverage.

Liability-only insurance is cheaper than full coverage and may be enough for Lincoln drivers with an older-model vehicle or inexpensive car. But liability won’t pay to repair or replace your car in an at-fault accident, so it’s important to consider your ability to pay for repairs before deciding on a liability-only policy.

Below are the average monthly quotes each insurance company offers for liability-only insurance in Lincoln. Drivers in Lincoln can expect to pay a monthly average of $97 for liability-only auto insurance.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$24
American Family$33
USAA$37
GEICO$39
Allstate$41
State Farm$42
Clearcover$45
Safeco$51
Nationwide$56
Progressive$59
AssuranceAmerica$67
Farmers$69
Shelter$70
Dairyland$86
Liberty Mutual$95
The General$96
Foremost$101
Bristol West$120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Lincoln: Auto-Owners

In addition to liability coverage, full-coverage auto insurance includes comprehensive and collision coverage. After you meet your deductible, these cover repairs to your own vehicle if you cause an accident or your car is stolen or damaged by a non-collision event.[2] Full coverage is essential for most drivers and may be required for drivers with a loan or a lease.

While full-coverage car insurance is generally more expensive than liability coverage, some insurers offer very affordable rates.

Below are average monthly quotes for full coverage from the cheapest car insurance companies in Lincoln. Drivers in Lincoln can expect to pay a monthly average of $210 for full-coverage auto insurance.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$39
American Family$55
USAA$60
GEICO$62
Allstate$66
State Farm$67
Clearcover$78
Nationwide$91
Progressive$96
Farmers$112
Shelter$115
Midvale Home & Auto$119
AssuranceAmerica$125
Safeco$127
Liberty Mutual$183
Dairyland$210
Foremost$254
The General$267
Bristol West$274
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Lincoln, Nebraska

Recent Lincoln, Nebraska car insurance prices for Jeep, Buick, Volkswagen , and more.

*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Nebraska

Nebraska is an at-fault, or tort, state for car insurance, meaning drivers are held liable for accidents they cause. Another driver can sue you if your insurance won’t cover all their losses, so you may want to consider higher limits than required by law.

Below are the minimum car insurance requirements that Nebraska law mandates. If you choose to forgo car insurance in Nebraska, you must show alternative proof of financial responsibility.[3]

  • illustration card https://a.storyblok.com/f/162273/x/c1984b0bb9/safety.svg

    Bodily injury liability

    • $25,000 per person

    • $50,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    • $25,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured motorist bodily injury liability

    • $25,000 per person

    • $50,000 per accident

    Underinsured motorist bodily injury liability

    • $25,000 per person

    • $50,000 per accident

You may also want to consider the following optional coverages:

  • Comprehensive coverage: This covers theft or damage to your vehicle after a non-collision event, like a fire.

  • Collision coverage: This pays to repair or replace your vehicle after it gets damaged in an accident you cause.

  • Medical payments: This covers your and your passengers’ medical expenses after an at-fault accident.

  • Gap insurance: This covers the difference between what your car is worth and what you still owe on your loan in the event of a total loss.

  • Roadside assistance: This provides assistance if you get stuck on the road due to a flat tire, run out of gas, get locked out, or need a tow. Specific coverages vary by insurance company.

Cheapest car insurance for drivers with an incident

If you have speeding tickets, at-fault accidents, or other moving violations on your record, insurance companies will charge you higher premiums to account for the added risk. Driving under the influence is a particularly serious offense that requires you to have an SR-22 certificate on file when reinstating your license in Nebraska.[4]

Incidents on your driving record can increase your car insurance rates dramatically. On average, drivers with incidents on their records pay $138 per month for liability coverage. You can see the effect of various infractions on average premiums in the charts below.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

If you’re caught speeding, insurance companies may think that you’re not making an effort to drive safely, which can increase your risk of an accident. For this reason, auto insurance companies often charge higher rates for drivers with speeding tickets.

Lincoln drivers with speeding tickets on their records face average monthly rates of $150 for liability-only insurance and $326 for full coverage. Below are the average monthly quotes each company offers to drivers with speeding tickets.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$24$33
American Family$33$45
USAA$37$50
GEICO$39$53
Allstate$41$56
State Farm$42$57
Clearcover$45$62
Safeco$51$70
Nationwide$56$77
Progressive$59$80
AssuranceAmerica$67$93
Farmers$69$93
Shelter$70$99
Dairyland$86$117
Liberty Mutual$95$142
The General$96$132
Foremost$101$151
Bristol West$120$162
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you have one or more at-fault accidents on your record, you’ll pay more for car insurance than a driver with a clean record. At-fault accidents increase your rates by an average of 26%, though some companies are more lenient than others. In Lincoln, drivers with at-fault accidents see average car insurance rates of $156 for liability policies and $338 for full coverage.

Below are the average monthly quotes Lincoln drivers pay at each insurance company after an at-fault accident.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$24$34
American Family$33$47
USAA$37$53
GEICO$39$56
Allstate$41$58
State Farm$42$60
Clearcover$45$68
Safeco$51$71
Nationwide$56$80
Progressive$59$85
AssuranceAmerica$67$96
Farmers$69$98
Shelter$70$104
Dairyland$86$122
Liberty Mutual$95$147
The General$96$139
Foremost$101$156
Bristol West$120$169
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

If you’re reinstating your license after a court-ordered suspension or revocation for a DUI, your insurance company will need to file an SR-22 with the Nebraska Department of Motor Vehicles.[4] SR-22 insurance costs 31% more than regular car insurance in Nebraska. But some companies still offer affordable premiums to DUI drivers.

A DUI in Lincoln significantly increases average monthly car insurance rates to $380 for full coverage and $176 for liability only. Here are the average monthly quotes each company charges Lincoln drivers who have been caught driving under the influence.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$24$42
American Family$33$58
USAA$37$65
GEICO$39$68
Allstate$41$72
State Farm$42$73
Clearcover$45$79
Safeco$51$89
Nationwide$56$98
Progressive$59$103
AssuranceAmerica$67$117
Farmers$69$121
Shelter$70$122
Dairyland$86$150
Liberty Mutual$95$166
The General$96$168
Foremost$101$177
Bristol West$120$210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Age is an important factor in determining car insurance rates since it relates to your years of experience driving. Drivers in their 50s and 60s typically pay the lowest prices. But rates increase for seniors around age 70 due to a greater risk of accidents and more severe injuries.

Still, seniors pay lower rates than teen drivers, and some companies offer particularly affordable quotes for older drivers in Lincoln. On average, senior drivers in Lincoln pay $65 per month for minimum coverage and $140 for full-coverage car insurance.

Below are the cheapest insurers for seniors in Lincoln and the average monthly quotes they offer older drivers.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$17$27
American Family$23$38
USAA$27$43
GEICO$28$44
State Farm$29$47
Allstate$30$48
Clearcover$32$56
Nationwide$37$61
Safeco$37$93
Progressive$38$61
Shelter$44$72
AssuranceAmerica$45$85
Farmers$48$78
Dairyland$62$151
Liberty Mutual$68$131
Foremost$71$178
The General$71$197
Bristol West$87$198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What Are the Best Cars for Senior Drivers?

What Are the Best Cars for Senior Drivers?

Cheapest car insurance for teens: Auto-Owners

Teens pay some of the highest car insurance premiums in Lincoln because their lack of driving experience makes them riskier to insure. Teen drivers are more likely to be in car accidents than any other age group, and the crash death rate for teen boys is especially high.[5] Insurance companies charge significantly higher rates for Lincoln teens, but it’s still possible to get affordable coverage.

One way to keep costs low is to stay on your parents’ insurance plan. Their rates may increase, but it’s often cheaper than buying your own policy. Some insurance companies also offer discounts for using a telematics device or taking a driver training course. And having a safe car helps as well. You can also typically earn a good student discount by maintaining good grades.

Since some companies offer more generous rates to young drivers than others, it’s also helpful to compare quotes. Teen drivers in Lincoln pay, on average, $366 per month for full coverage and $169 for liability only.

Below are the cheapest insurance companies for teens in Lincoln and the average monthly quote each company offers teen drivers.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$41$66
American Family$57$95
GEICO$60$96
USAA$60$98
State Farm$70$112
Allstate$71$114
Clearcover$86$149
Nationwide$94$153
Progressive$105$171
Safeco$105$261
Shelter$119$195
Farmers$120$194
AssuranceAmerica$122$228
Dairyland$142$346
The General$153$425
Liberty Mutual$173$334
Foremost$176$443
Bristol West$201$459
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Lincoln car insurance quotes by credit tier

In Nebraska, auto insurance companies can legally consider your credit-based insurance score when underwriting your policy and setting your premiums. This score is based on information in your credit report, like your payment history and outstanding debt.[6]

People with excellent or good credit tend to get the best rates, while people with poor credit typically pay higher premiums. In Lincoln, drivers pay the following average quotes for full coverage based on their credit tier. As you can see, drivers with poor credit pay about twice as much for car insurance as drivers with excellent credit in Lincoln.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Lincoln?

The overall average monthly cost of car insurance in Lincoln is $153 per month, which is close to the state average of $157. Car insurance is cheaper in Lincoln than in Bellevue or Omaha. Rates can also vary by ZIP code within the Star City. That’s because some areas have higher crime rates and accident rates than others.

For example, Omaha has a higher crime rate than Lincoln, and Omaha drivers pay about 17% more for car insurance than Lincoln drivers.[7]

More cities in Nebraska

Here’s how other populous cities in Nebraska compare to Lincoln in terms of average monthly car insurance quotes. As you can see, Lincoln drivers pay less than some other Nebraska drivers.

CityFull CoverageLiability Only
Bellevue$227$103
Columbus$226$73
Fremont$198$75
Grand Island$177$77
Norfolk$176$72
Omaha$258$114
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Lincoln car insurance FAQs

Deciding on the right amount of coverage and the insurer for you can be overwhelming. The answers below should make the process of finding affordable auto coverage in Lincoln a little easier.

  • How much is car insurance in Lincoln?

    On average, liability-only coverage in Lincoln, Nebraska, is $97 per month, and full coverage costs $210 per month. Coverage in Lincoln is close to the state averages of $91 and $222, respectively.

    Your specific rate will depend on your driving record, credit history, age, vehicle type, insurer, and more.

  • What are the cheapest car insurance companies in Lincoln?

    Auto-Owners is the cheapest insurer in Lincoln, with liability-only rates as low as $24 per month. Lincoln drivers can also find affordable coverage with the city’s second- and third-cheapest insurers, American Family and USAA, which have liability-only rates of $33 and $37 per month, respectively.

  • What are the best car insurance companies in Lincoln?

    Auto-Owners is the best car insurance company in Lincoln, thanks to its Insurify Quality (IQ) Score of 4.3, high claims satisfaction ranking from J.D. Power, and quality coverage.

    Other top insurers in the city include American Family and GEICO.

  • Is liability insurance required in Nebraska?

    Yes. Liability insurance or proof of financial responsibility is required in Nebraska. Proof of financial responsibility can include a certificate of insurance, a bond, a property bond, a certificate of deposit, or a certificate of self-insurance. Drivers must carry proof of responsibility in their vehicles at all times.

  • Is Nebraska a no-fault state?

    No. Nebraska is an at-fault state, meaning drivers are held liable for accidents that they cause.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Lincoln Police Department. "DUIs (Citation Data)."
  2. Insurance Information Institute. "What is covered by a basic auto insurance policy?."
  3. Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)."
  4. Nebraska Department of Motor Vehicles. "SR-22 For Revocations/Suspensions."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  6. Nebraska Department of Insurance. "Credit Scoring: How Does it Affect You?."
  7. Best Places. "2023 Compare Cities Crime: Omaha, NE vs Lincoln, NE."

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