Cheapest Auto Insurance in Lincoln, Nebraska (2024)

Lincoln drivers pay an average of $95 per month for liability coverage and $198 per month for full-coverage car insurance. That’s on par with the state averages of $89 for liability-only coverage and $216 for full coverage. In comparison, the national averages are $104 and $213, 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.

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.

Best insurer for cheap rates: Auto-Owners

Best insurer for customer satisfaction: American Family

Best insurer for discounts: GEICO

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 $95 for liability-only auto insurance.

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 $198 for full-coverage auto insurance.

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]

• 

  Bodily injury liability

  • $25,000 per person

  • $50,000 per accident

• 

  Property damage liability

  • $25,000 per accident

• 

  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 $132 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 $142 for liability-only insurance and $295 for full coverage. Below are the average monthly quotes each company offers to drivers with speeding tickets.

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 $151 for liability policies and $314 for full coverage.

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

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 $353 for full coverage and $170 for liability only. Here are the average monthly quotes each company charges Lincoln drivers who have been caught driving under the influence.

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 $60 per month for minimum coverage and $126 for full-coverage car insurance.

Below are the cheapest insurers for seniors in Lincoln and the average monthly quotes they offer older 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, $344 per month for full coverage and $165 for liability only.

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

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.

Is car insurance more expensive in Lincoln?

The overall average monthly cost of car insurance in Lincoln is $147 per month, which is close to the state average of $152. 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.

Lincoln car insurance FAQs