Best Cheap Auto Insurance in Lincoln, Nebraska (2024)

Car insurance in Lincoln is about 26% cheaper than in the rest of the state, and about 8% less than the national monthly cost of car insurance.

Lindsay Frankel
Written byLindsay Frankel
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Lindsay FrankelInsurance Writer
  • 5+ years in auto insurance and personal finance writing

  • Featured in top personal finance publications

Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated February 26, 2024 at 11:00 AM PST

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Lincoln drivers pay an average of $144 per month for liability coverage and $232 per month for full-coverage car insurance. However, some insurance companies in the Star City offer quotes as low as $48.

The cheapest insurer isn’t always the best, though — you should try to find the best value for your coverage needs. 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.

Quick Facts
  • Lincoln’s program to improve traffic flow, Green Light Lincoln, has saved Lincoln drivers millions of hours of delay.

  • Lincoln drivers pay less than the national average cost for car insurance of $212 per month.

  • Nebraska requires all drivers to carry uninsured and underinsured motorist coverage.

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Best 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$40/mo

In addition to providing the cheapest average full-coverage auto insurance rates, Auto-Owners offers great discounts for teens and college students. The company also has the highest possible financial strength rating (A++) from A.M. Best and fewer complaints with the National Association of Insurance Commissioners (NAIC) than the average for a company of its size.

Auto-Owners offers several coverage options, including gap coverage, additional expense coverage, and road trouble service. And the company ranks above average for customer satisfaction in the central region, according to the J.D. Power 2023 U.S. Auto Insurance Study.

Pros
  • Offers several discounts for teens and college students

  • Cheapest average rates overall

Cons
  • Ranked below average for claims satisfaction

  • No military discount or telematics discount in Nebraska

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for customer satisfaction: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$56/mo

American Family stands out for customer satisfaction, ranking second for the central region in the J.D. Power 2023 U.S. Auto Insurance Study and receiving an above-average claims satisfaction ranking. The company has also had very few complaints with the NAIC about auto insurance in recent years.

In addition to standard auto coverages, American Family offers gap insurance, rental reimbursement, roadside assistance, AD&D coverage, and a rideshare endorsement. The company offers a variety of discounts and has an A financial strength rating from A.M. Best.


Pros
  • Second-cheapest average rates overall

  • Very few complaints with the NAIC

Cons
  • No military discount

  • Lower financial strength rating than some companies

Prices are higher than expected.

Tyrone - October 9, 2023
Verified

They're OK but too expensive.

Sally - July 21, 2023
Verified

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023
Verified
Read our American Family review

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo

GEICO offers more discounts than most companies, including a 22% discount for good drivers, a 15% military discount, and a 25% multi-vehicle discount. Drivers older than 50 in Nebraska can save 10% by taking an approved defensive driving course. The company has an A++ financial strength rating from A.M. Best, the highest grade.

While GEICO had slightly fewer complaints with the NAIC in 2022 about car insurance, the company ranks below average for the central region in the J.D. Power 2023 U.S. Auto Insurance Study.


Pros
  • Offers a long list of discounts

  • A++ financial strength rating from A.M. Best

Cons
  • Ranked below average by J.D. Power for the central region

  • Offers few additional coverages outside of standard full-coverage insurance

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance in Lincoln

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.[1]

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. Below are the average monthly quotes each insurance company offers for liability-only insurance in Lincoln.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners24
American Family33
USAA37
GEICO38
Allstate40
State Farm41
Clearcover46
Safeco51
Nationwide56
Progressive60
AssuranceAmerica68
Farmers69
Shelter71
Midvale Home & Auto73
Dairyland88
Liberty Mutual93
The General94
Foremost98
Bristol West120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Lincoln

In addition to liability coverage, full-coverage auto insurance includes comprehensive and collision coverage. These cover repairs to your own vehicle if you cause an accident or your car is stolen or damaged by a non-collision event.[1] 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.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners40
American Family56
USAA62
GEICO65
Allstate68
State Farm70
Clearcover73
Nationwide93
Progressive99
Safeco110
AssuranceAmerica112
Farmers116
Shelter118
Midvale Home & Auto122
Liberty Mutual174
Dairyland205
Foremost236
The General244
Bristol West267
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.[2]

  • illustration card https://a.storyblok.com/f/162273/x/c1984b0bb9/safety.svg

    Bodily injury liability

    • $25,000 per person

    • $50,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    • $25,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.[3]

Incidents on your driving record can increase your car insurance rates dramatically. 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

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. Below are the average monthly quotes each company offers to drivers with speeding tickets.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners5432
American Family7544
USAA8148
GEICO8550
Allstate8952
State Farm9153
Clearcover10365
Nationwide12374
Progressive13582
Farmers15291
Safeco15572
AssuranceAmerica15896
Shelter169102
Liberty Mutual245131
Dairyland278119
The General331127
Bristol West356160
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

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

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners5734
American Family7946
USAA8752
GEICO9153
Allstate9556
State Farm9757
Clearcover12579
Nationwide13179
Progressive14487
Farmers16296
AssuranceAmerica166101
Safeco16878
Shelter180108
Liberty Mutual261139
Dairyland292126
The General353136
Bristol West372167
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

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.[3] SR-22 insurance costs 31% more than regular car insurance in Nebraska. But some companies still offer affordable premiums to DUI drivers.

Here are the average monthly quotes each company charges Lincoln drivers who have been caught driving under the influence.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners6640
American Family9355
USAA10361
GEICO10863
Allstate11366
State Farm11668
Clearcover12176
Nationwide15493
Progressive164100
Shelter181109
Safeco18385
AssuranceAmerica186113
Farmers192114
Liberty Mutual289154
Dairyland340146
Foremost392163
The General405156
Bristol West443199
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

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 75 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. Below are the cheapest insurers for seniors in Lincoln and the average monthly quotes they offer older drivers.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners1912
American Family2716
State Farm3219
GEICO3319
USAA3320
Allstate3621
Progressive4024
Nationwide4225
Shelter4829
AssuranceAmerica5634
Clearcover5635
Farmers5734
Safeco6832
Liberty Mutual9249
Dairyland11549
Bristol West14565
The General14857
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What Are the Best Cars for Senior Drivers?

What Are the Best Cars for Senior Drivers?

Cheapest car insurance for teens

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

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners6640
American Family9556
GEICO10259
USAA10261
Allstate11870
State Farm11970
Clearcover13082
Nationwide15895
Progressive176106
Safeco19691
Farmers200119
Shelter201121
AssuranceAmerica210128
Liberty Mutual294157
Dairyland330142
The General386149
Foremost420174
Bristol West440198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

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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.[5]

People with excellent or good credit scores tend to get the best rates, while people with poor credit scores 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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Lincoln?

The average monthly cost of a full-coverage auto policy in Lincoln is $232, which is about 8% less than the national average of $253. 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.[6]

More cities in Nebraska

Here’s how other populous cities in Nebraska compare to Lincoln in terms of average full-coverage car insurance quotes. As you can see, Lincoln drivers pay less than some other Nebraska drivers.

CityAverage Monthly QuoteCompared to Lincoln
Bellevue$2529%
Omaha$26514%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Lincoln car insurance FAQs

Deciding on the right amount of coverage and the insurer for you can be overwhelming. The answers below should make the process of finding affordable auto coverage in Lincoln a little easier.

  • How much is car insurance in Lincoln?

    On average, liability-only coverage in Lincoln, Nebraska, is $144 per month, and full coverage costs $232 per month. Coverage in Lincoln costs less than the state average of $198. Your specific rate will depend on your driving record, credit history, age, vehicle type, insurer, and more.

  • What are the best car insurance companies in Lincoln?

    Auto-Owners is the best car insurance company in Lincoln, thanks to its Insurify Quality (IQ) Score of 4.0, high claims satisfaction ranking from J.D. Power, and quality coverage. Other top insurers in the city include American Family and GEICO.

  • Is liability insurance required in Nebraska?

    Yes. Liability insurance or proof of financial responsibility is required in Nebraska. Proof of financial responsibility can include a certificate of insurance, a bond, a property bond, a certificate of deposit, or a certificate of self-insurance. Drivers must carry proof of responsibility in their vehicles at all times.

  • Is Nebraska a no-fault state?

    No. Nebraska is an at-fault state, meaning drivers are held liable for accidents that they cause.

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.

dodge

Dodge Dakota

Most Popular Car in Lincoln

#7

City with the Most Speeding Tickets Rank in Nebraska

#8

City with the Most Moving Violations Rank in Nebraska

#6

City with the Most DUIs Rank in Nebraska

#6

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 8 in the number of car accidents per driver across all cities in Nebraska.

    • Rank within state: #8
    • Percent of drivers in Lincoln with an accident: 10.7%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lincoln drivers rank 6 in the number of DUI’s per driver across all cities in Nebraska.

    • Rank within state: #6
    • Percent of drivers in Lincoln with a DUI: 2.9%
  • 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 7 in the number of reckless driving offenses per driver.

    • Rank within state: #7
    • Percent of drivers in Lincoln with a reckless driving offense: 1.8%
  • 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 7 in rude driving infractions.

    • Rank within state: #7
    • Percent of drivers in Lincoln with a reckless driving violation: 2.4%
  • 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 7 in the number of speeding infractions per driver.

    • Rank within state: #7
    • Percent of drivers in Lincoln with a speeding ticket: 9.9%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lincoln drivers rank 4 in clean driving records across all cities in Nebraska.

    • Rank within state: #4
    • Percent of drivers in Lincoln with clean record: 75.3%
  • 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: 0.72%
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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "What is covered by a basic auto insurance policy?." Accessed July 14, 2023
  2. Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)." Accessed July 14, 2023
  3. Nebraska Department of Motor Vehicles. "SR-22 For Revocations/Suspensions." Accessed July 14, 2023
  4. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed July 14, 2023
  5. Nebraska Department of Insurance. "Credit Scoring: How Does it Affect You?." Accessed July 14, 2023
  6. Best Places. "2023 Compare Cities Crime: Omaha, NE vs Lincoln, NE." Accessed July 14, 2023

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