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Get Cheap Car Insurance in Lincoln, NE
We monitor insurance prices, helping the average driver in Lincoln save up to 39.3% on car insurance.
The Cheapest Minimum Coverage in Lincoln
The chart below shows the cheapest car insurance company in Lincoln for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by American Family Insurance, State Farm, and Progressive.
| Lincoln Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $35 |
| American Family Insurance | $41 |
| State Farm | $41 |
| Progressive | $49 |
Savings for Every Kind of Lincoln Driver
Based on our extensive insurance data, we know the average Lincoln driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $559 per year by choosing the right vehicle insurance company. Some Lincoln residents are paying out over $1,424 extra every year for auto insurance in Lincoln. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lincoln, NE Savings / Yr. |
|---|---|
$559 |
|
$420 |
|
$395 |
|
$307 |
|
$1,351 |
|
$162 |
|
$747 |
Lincoln Car Insurance vs. Nebraska
People living in Lincoln pay an average of 0.13% less than the typical driver in the state. The average driver in Lincoln can expect to pay about $584 per year, or $1,424 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Lincoln for most people.
Car Insurance Prices by Lincoln Neighborhood
Insurance Prices
Where is insurance cheapest within Lincoln?
The map shows insurance prices in and around Lincoln, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $391 per year within the city boundaries, with insurance premiums ranging from a high of $1,723 to a low of $1,332. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Lincoln.Pick the Best Car Insurance Company for You in Lincoln
The best car insurance provider for most drivers in Lincoln
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $559 over the average Lincoln car insurance company.
The best car insurance provider for Lincoln drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $420 over the competition.
The best car insurance company for Lincoln drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $395 better than other car insurance companies.
The best auto insurance for Lincoln drivers with a DUI conviction
Getting a quote from American Family Insurance may cost the average person with a DUI about $307 less each year.
The least expensive car insurance company for new and young drivers in Lincoln
In Lincoln, Farmers Mutual of Nebraska costs young drivers $1,351 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lincoln
Nationwide gave the largest car insurance discounts to married couples, averaging $162 saved each year compared to an average Lincoln couple's premiums.
The cheapest car insurance in Lincoln for drivers with bad credit
The best Lincoln car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lincoln
For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Lincoln driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Lincoln, USAA has the best prices for good drivers, drivers with bad credit, drivers with speeding tickets, married couples, young drivers, drivers with a DUI conviction, and drivers with accidents.Auto Insurance Prices in and Around Lincoln
What Influences the Cost of Car Insurance in Lincoln?
On average, car insurance in Lincoln is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Lincoln is 23 minutes, which is a little less than average for a driver in the state.
- Nebraska state insurance regulations may allow for lower prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lincoln are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Lincoln is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Lincoln is $49 per month for minimum coverage and $119 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Saltillo: Insurance costs 4.71% less
- Rokeby: Insurance costs 4.07% less
- Walton: Insurance costs 3.37% less
- Roca: Insurance costs 1.40% less
- Prairie Home: Insurance costs 4.49% less
- Denton: Insurance costs 4.21% less
- Malcolm: Insurance costs 3.86% less
- Waverly: Insurance costs 5.13% less
- Davey: Insurance costs 1.76% less
- Bennet: Insurance costs 2.88% less
Cities with Similar Populations
- Worcester: Insurance costs 12.57% more
- Tomball: Insurance costs 20.58% more
- Surprise: Insurance costs 32.30% more
- Suwanee: Insurance costs 37.92% more
- Thousand Oaks: Insurance costs 47.33% more
- Temecula: Insurance costs 40.38% more
- Thornton: Insurance costs 46.35% more
- Tempe: Insurance costs 33.57% more
- Traverse City: Insurance costs 89.89% more
- Topeka: Insurance costs 10.18% more