Cheap Auto Insurance Quotes in Lincoln, NE (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Lincoln, NE

Here are the cheapest carriers in Lincoln for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Lincoln. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Lincoln, NE Driving Facts

Minimum Car Insurance Requirements in NE

Minimum car insurance laws are as varied as the U.S. states. With each state enforcing different rules and regulations, it can be confusing to know what’s required from what’s recommended from what’s only going to make your premium more expensive. Let us help you with that.

In Nebraska, drivers are required to purchase car insurance coverage meeting at least the following minimums:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage
  • $25,000/$50,000 uninsured and underinsured motorist bodily injury protection

Uninsured and underinsured motorist coverage cannot be waived. Its minimums can be increased for drivers with families or those looking for added peace of mind. For increases, drivers typically need to notify their insurance company in writing. 

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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
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 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.

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

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Lincoln stacks up for the state of Nebraska:

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Ford F-Series Pickup
Most Popular Car in
Lincoln, NE
suspended licenses
#1
Cities with Most
Suspended Licenses Rank

FAQs - Lincoln, NE Car Insurance

Is it expensive to get car insurance in Lincoln?

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.

What are the minimum requirements for car insurance in Lincoln?

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.

What is the penalty for driving uninsured in Lincoln?

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.