Cheap Auto Insurance Quotes in Lincoln, NE (2021)

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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.

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.

Quotes by Top Carriers
Quotes ($/mo)
$28
$57
$64
$99
$101
ProgressiveAllstateState FarmTravelersNationwide
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$112
$133
$124
$102
$111
$92
NebraskaOmahaBellevueGrand IslandKearneyLincoln
Monthly $

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Lincoln, NE Driving Facts

nebraska

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. 

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.

Driving History
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.

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.

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

Insurify Insights: How Lincoln Drivers Measure Up

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

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.

Accidents Lincoln

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 paid on average 51.05% more than drivers with a clean record

Speeding Lincoln

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 paid on average 37.06% more than drivers with a clean record

DUI/DWIs Lincoln

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: 4.72%
  • Drivers in Lincoln, NE with a DUI in their driving history paid on average 20.98% more than drivers with a clean record

Most Popular Vehicle Lincoln

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.

Rude Lincoln

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 paid on average 44.76% more than drivers with a clean record.

Safest Drivers Lincoln

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%

Failure to Yield the Right of Way Lincoln

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 paid on average 1500% more than drivers with a clean record

Reckless Drivers Lincoln

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%

Hybrid/Electric Vehicle Ownership Lincoln

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%

Green Driving in Lincoln, NE

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.

Greenes Cities

Lincoln

Greenes Cities
% of Hybrids / Electrics
1%

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.