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Cheap Auto Insurance Quotes in Lincoln, NE (June 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Lincoln has minimal public transportation, and while you can get around on foot or by bike for many errands, most Lincoln residents drive to work. To stay protected and legal on the road, it’s important for these drivers to maintain an active insurance policy.

Car Insurance in Lincoln, NE

The average cost of Nebraska car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lincoln, NE to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Lincoln is $150 per month, or $1800 annually.
  • Car insurance in Lincoln is $5 less than the average cost of car insurance in Nebraska.
  • The cheapest car insurance provider in Lincoln on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$28
Allstate
$57
State Farm
$64
Travelers
$99
Nationwide
$101

Cheapest Car Insurance in Lincoln, NE

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in LincolnQuotes
Progressive$28 /mo
Allstate$57 /mo
State Farm$64 /mo
Travelers$99 /mo
Nationwide$101 /mo

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Best Car Insurance in Lincoln, NE

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Lincoln. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Clearcover97$134 /mo
American Family89$142 /mo
Nationwide89$177 /mo
Safeco86$162 /mo
Liberty Mutual82$172 /mo

Average Car Insurance Cost

Nebraska Cities
Omaha$133/mo
Bellevue$124/mo
Grand Island$102/mo
Kearney$143/mo
Lincoln$92/mo
Nebraska$119/mo
Lincoln
$92
Grand Island
$102
Average for NE
$119
Bellevue
$124
Omaha
$133
Kearney
$143
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Nebraska

All motor vehicles operated or parked on Nebraska roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Nebraska[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Nebraska is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured/underinsured motorists
  • $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. While this level of coverage is required in Nebraska, drivers can increase their minimums by writing to their provider.

Lincoln Car Insurance Rates by Driver Age

Lincoln’s teenagers might squeak out a car insurance payment with the money they make from a part-time job. What may be a problem for teenagers becomes doable for young adults in their 20s, at $235—a $140 per month savings. Prices continue to trend down as drivers get more years behind the wheel. Everyone 30 or older beats the state average of $199. Those in their 60s pay less than a third of what teens do.

Driver's AgeAvg. Monthly Cost
teens$378
20s$235
30s$149
40s$183
50s$141
60s$122
70s$135
80s$128

Lincoln Car Insurance Rates by Driving and Accident History

Nebraskans have figured out that safe driving is also smart driving. The insurance companies like the idea and pass “good driver” and “accident-free” discounts on to people with clean records. Defensive driving helps people avoid accidents and an unwanted spike of over $85 per month or $1,020 per year. Contrast that with a failure-to-stop ticket, which only bumps the rate up by $22 per month. If there is an accident or violation on a driver’s history, after three years, it stops affecting car insurance premiums.

Driving HistoryAvg. Monthly Cost
No Violation$175
Speeding Ticket$238
At-Fault Accident$262
Failure to Stop for Red Light / Stop Sign$197

Lincoln Car Insurance Rates by Credit Tier

Along with most others in the U.S., the Cornhusker State allows insurance companies to use credit as a factor when setting rates. Many drivers can’t see the relationship between their credit score and their ability to drive, but the insurance companies argue otherwise. If that’s the case, why do people with good or excellent credit pay more than those with average credit? Drivers with better credit finance costlier cars and may buy higher coverage levels to protect their assets. That said, a move from poor credit to average credit saves $18 per month or more than $200 per year.

Credit TierAvg. Monthly Cost
Excellent$199
Good$195
Average$168
Poor$186

Find local Lincoln agents

  • Barney Insurance of Lincoln 

    2855 S 70th St,
    Ste 101, Lincoln, NE 68506
  • GTA Insurance Group - Lincoln 

    4200 Lucile Dr,
    Lincoln, NE 68506
  • Insurance Mart 

    ,
    Lincoln, NE 68507
  • Zimmer Insurance Group 

    3230 S 13th St,
    Lincoln, NE 68502
  • Solid Ground Insurance, LLC 

    6000 S 58th St Ste C,
    Lincoln, NE 68516-3696
  • McCashland, Kirby & Associates 

    8231 Northwoods Drive,
    Lincoln, NE 68505
  • Farley-Wolf Insurance Agency 

    7800 O St Ste 103,
    Lincoln, NE 68510
  • UNICO Group, Inc. 

    1128 Lincoln Mall,
    Ste 200, Lincoln, NE 68508
  • Mid-Alliance Insurance Associates LLC 

    5600 S 48th St Suite 114,
    Lincoln, NE 68516
  • Vrba Insurance Services 

    8540 Executive Woods Dr,
    Ste 200, Lincoln, NE 68512-9209
View more

Lincoln, NE DMV Information

When it comes time to register your vehicle or renew your driver’s license, the DMV in Lincoln can help with both, and office hours are 8 a.m. to 5 p.m. Remember that you’ll need to provide proof of insurance when you register your vehicle or renew your registration. It’s easy to find the best rate and quickly apply for coverage with Insurify.

Public Transportation in Lincoln, NE

About 89 percent of Lincoln residents drive to work, commuting an average of 18 minutes to get there. The average household in Lincoln has two cars. The city operates the StarTran bus system, which covers much of Lincoln and has Saturday service, but only about 1 percent of residents use the system for the daily commute. Uber and Lyft operate in the city, and there are a couple of taxi services you can use to get around, but for most residents, having an insured vehicle will provide the most freedom.

How to get the best and cheapest car insurance in Lincoln, NE

Having a car insurance policy is essential to driving safely in Lincoln. Fortunately, car insurance here is very affordable, and you can compare quotes from different providers to get a lower rate.

Nearly 7 percent of drivers in Lincoln do not have car insurance. They face hefty costs should they be involved in an accident. Don’t leave your family’s finances at risk. Nowadays, it’s quick and easy to get car insurance. You can use Insurify to compare premiums from multiple insurers all in one place so you can easily identify the lowest rate for the coverage you need.

FAQs - Lincoln, NE Car Insurance

  • Relatively speaking, car insurance in Lincoln is very affordable. The average policy costs $92 per month, less than half the national average. And some providers offer rates as low as $28 per month for drivers with a clean record. However, your individual premium will depend on several factors, including your age, gender, driving history, and credit score. The best way to find an affordable premium for the coverage you need is to compare customized quotes with an online tool like Insurify.
  • To drive legally in Nebraska, you’ll need at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 in property damage liability coverage, and uninsured motorist coverage covering up to $25,000 per person and $50,000 per accident. If you have a loan or lease your vehicle, you may be required to purchase comprehensive coverage. And even if you own your car outright, you should consider full coverage to protect your finances.
  • If you’re caught driving without insurance coverage in Nebraska, you’ll immediately lose your driving privileges and may have to pay up to a $100 fine. But the consequences could be much worse if you cause an accident while driving uninsured. The other driver could sue you for their damages and injuries, which can amount to thousands of dollars.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Lincoln Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Lincoln, Nebraska below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Lincoln drivers measure up to their fellow motorists across Nebraska in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Lincoln

#1

City with the Most Speeding Tickets Rank in Nebraska

#4

City with the Most Moving Violations Rank in Nebraska

#1

City with the Most DUIs Rank in Nebraska

#2

City with the Most Suspended Licenses in Nebraska

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lincoln drivers rank 1 in the number of car accidents per driver across all cities in Nebraska.

    • Rank within state: #1
    • Percent of drivers in Lincoln with an accident: 16.64%
    • Drivers in Lincoln, NE with an accident in their driving history pay on average 51.05% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nebraska, Lincoln drivers rank 1 in the number of speeding infractions per driver.

    • Rank within state: #1
    • Percent of drivers in Lincoln with a speeding ticket: 16.03%
    • Drivers in Lincoln, NE with a speeding ticket in their driving history pay on average 37.06% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lincoln drivers rank 1 in the number of DUI’s per driver across all cities in Nebraska.

    • Rank within state: #1
    • Percent of drivers in Lincoln with a DUI: 4.7%
    • Drivers in Lincoln, NE with a DUI in their driving history pay on average 20.98% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lincoln is the Ford F-Series Pickup.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Nebraska, Lincoln drivers rank 2 in rude driving infractions.

    • Rank within state: #2
    • Percent of drivers in Lincoln with a reckless driving violation: 3.3%
    • Drivers in Lincoln, NE with a reckless driving violation in their driving history pay on average 44.76% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lincoln drivers rank 2 in clean driving records across all cities in Nebraska.

    • Rank within state: #2
    • Percent of drivers in Lincoln with clean record: 69.41%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lincoln drivers rank 1 in failure to yield violations per driver across all cities in Nebraska.

    • Rank within state: #1
    • Percent of drivers in Lincoln with a failure to yield violation: 1.22%
    • Drivers in Lincoln, NE with a failure to yield violation in their driving history pay on average 1500% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Nebraska, Lincoln drivers rank 1 in the number of reckless driving offenses per driver.

    • Rank within state: #1
    • Percent of drivers in Lincoln with a reckless driving offense: 0.51%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lincoln drivers rank 2 in hybrid and electric vehicle ownership across all cities in Nebraska.

    • Rank within state: #2
    • Percent of drivers in Lincoln with a hybrid/electric vehicle: 0.86%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. Nebraska Unicameral Legislature. "State Minimum Car Insurance Requirements." Accessed May 28, 2022