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Cheap Auto Insurance Quotes in Lincoln, NE (January 2022)
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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.
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In Nebraska, drivers are required to purchase car insurance coverage meeting at least the following minimums:
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.
|Failure to Stop for Red Light / Stop Sign||$197|
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.
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.
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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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lincoln drivers measure up to their fellow Nebraska motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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.
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.
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.
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.
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.
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.
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.
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.
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of Nebraska offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Bellevue won Insurify's Most Patriotic Cities Award for the state of Nebraska. Bellevue is widely purported to be Nebraska's oldest city, and is adjacent to Offutt Air Force Base.
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.
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.