How to find the cheapest car insurance quotes in Lincoln

With plenty of car insurance companies to choose from, finding one that meets your needs and budget can be tricky. That’s why it’s important to shop around and compare car insurance quotes before committing to a policy so you can guarantee you’re not overpaying.

With Jerry, finding cheap auto insurance is easy. Jerry is an app that helps Lincoln drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free! customers.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
Progressive	$254	26	68510	Infiniti Jx35	State Minimum	Yes
Progressive	$196	19	68522	Jeep Grand Cherokee Limit	State Minimum	Yes
The General	$301	37	68504	Chevrolet Malibu Ls	State Minimum	No
Progressive	$56	54	68503	Jeep Renegade Latitude	State Minimum	No
Progressive	$44	30	68503	Jeep Grand Cherokee Laredo	State Minimum	No

Last Updated Dec 17, 2024

Best car insurance companies in Lincoln

Jerry conducted a national insurance survey to uncover the top providers for drivers.

Study results showed no “best” or “cheapest” insurance provider for all drivers in Lincoln. Every insurance company uses different algorithms to calculate rates, so premiums for the same driver can be vastly different between providers.

In Lincoln, customers rated Dairyland, Progressive, and ROOT the highest for customer satisfaction, claims processing, and policy cost, but Clearcover, Safeco, and State Farm also scored well.

Here’s what Lincoln drivers have to say about these insurance providers.

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.2	4	4.8	4.3
State Farm	4	N/A	N/A
Liberty Mutual	3.3	N/A	N/A
Dairyland	4.4	4	N/A	4.4

Best cheap car insurance quotes in Lincoln

Nebraska state requires its drivers to carry minimum coverage car insurance before getting behind the wheel of a car. That means you must purchase liability coverage and uninsured/underinsured motorist coverage (UM/UIM) in Lincoln.

If you’re looking for more financial protection, you can also choose to purchase full-coverage auto insurance that covers collision and non-collision incidents.

Cheap minimum liability insurance quotes in Lincoln

Nebraska’s car insurance laws require drivers to carry minimum liability insurance that follows a 25/50/25 pattern.

Here’s what drivers are required to have:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Before registering your vehicle, you must meet these requirements.

Buying a policy that meets the minimum state limits is generally the cheapest option for car insurance, but if you’re not convinced, comparing quotes is the way to go.

Do you need more than minimum coverage in Lincoln?

Being involved in an accident is already a source of stress, but it can also create significant financial burdens. Nebraska law mandates drivers to carry liability insurance and UM/UIM coverage that meets the minimum requirements. The bills resulting from an accident, however, often exceed these state minimums.

While meeting the 25/50/25 rule might appear sufficient, it’s a good idea to purchase insurance coverage that surpasses the minimums set by the state. Drivers in Lincoln should consider increasing their coverage by opting for a policy that offers limits of 50/100/50 or higher.

Cheap full coverage car insurance quotes in Lincoln

When it comes to protecting yourself in case of an accident, liability insurance alone isn’t enough—it only covers damages to others. This is where a full-coverage auto insurance policy comes into play. Opting for full coverage is one of the best ways to protect yourself against vehicle repair or replacement costs.

In Lincoln, a full coverage policy includes liability coverage and UM/UIM, as well as comprehensive and collision coverage:

• Collision insurance pays for the costs to repair your vehicle or the fair market value of your car if it’s deemed a total loss. Keep in mind that collision coverage requires you to pay a deductible.
• Comprehensive insurance covers the cost of damages to your car resulting from almost everything except a collision. It covers scenarios like theft, vandalism, falling objects, glass breakage, or animal damage. Comprehensive coverage also has a deductible.

If you’re leasing your vehicle, lenders in Lincoln will require you to have a full-coverage policy that includes both collision and comprehensive coverage.

Even if you don’t lease your car, having a full coverage policy can be highly advantageous for drivers in Lincoln—and Jerry can assist you in finding the best rate for the best coverage.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
Progressive	$254	26	68510	Infiniti Jx35	State Minimum	Yes
Progressive	$196	19	68522	Jeep Grand Cherokee Limit	State Minimum	Yes
Progressive	$156	36	68504	Toyota Camry Hybrid	50/100	Yes
The General	$187	31	68506	Dodge Grand Caravan Se	State Minimum	Yes
Dairyland	$202	63	68508	Kia Soul	State Minimum	Yes

Last Updated Dec 16, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Lincoln

After analyzing scores of insurance providers in Lincoln, we have discovered that the average price for minimum liability coverage amounts to be $88 per month or $1,056 per year. Additionally, residents of Lincoln can expect to pay an average of $152 per month or $1,818 per year for full coverage insurance.

While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Lincoln by zip code

Where you live can also impact your insurance premium—right down to your zip code. Insurance companies consider factors like population density, accident rates, crime statistics, and local weather conditions when calculating your premium.

Insurance companies consider factors such as population density, crime rates, traffic congestion, weather, and the frequency of accidents in a particular area.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
68502	$72	$119
68503	$64	$119
68504	$43	$110
68507	$78	$157
68508	$67	$128
68510	$62	$173
68512	$60	$133
68516	$33	$127
68521	$50	$116
68524	$53	$277
68528	$65	$141

Car insurance quotes in Lincoln by rating factors

Insurance companies in Lincoln use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
• Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
• Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
• Your mileage: High annual mileage can result in higher insurance costs.
• The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
• Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

Cheap car insurance quotes in Lincoln after driving violations

Whether you’re responsible for a minor collision or you’ve been caught racing with a friend, driving infractions can significantly impact your car insurance premiums.

Insurers in Lincoln carefully monitor your driving record, as they’re cautious about insuring high-risk drivers. Such drivers are at higher risk of submitting claims, which would result in substantial payouts.

Cheapest car insurance in Lincoln after DUI

As with most states, the DUI laws in Nebraska are pretty strict. The minimum fine for a DUI is $400 but the penalties can escalate depending on your blood alcohol content (BAC). In Lincoln, the following penalties may be imposed:

• Mandatory completion of an alcohol treatment program
• Community service
• Jail time
• License suspension

Having a DUI on your driving record categorizes you as a “high-risk driver,” which raises concerns for insurance companies. As a result, your insurance premium will significantly increase until the DUI is expunged from your record—assuming that it’s possible to clear it.

Cheapest car insurance in Lincoln after an at-fault accident

Having a driving record filled with at-fault accidents signals to insurance companies that you are a less cautious driver, classifying you as high risk. As a result, your insurance premium is likely to be higher than average.

To avoid spending excessively due to minor accidents, there are simple strategies to obtain the cheapest rates, including utilizing available discounts and working to maintain a clean driving record.

When it comes to finding inexpensive car insurance in Lincoln following an accident, one of the easiest approaches is to shop with Jerry. See how Jerry has helped Lincoln drivers secure affordable quotes, even with accidents on record.

Accident Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
At Fault With No Injury	The General	$301	37	68504	Chevrolet Malibu Ls	State Minimum	No
Not At Fault	The General	$101	53	68502	Honda Pilot Exl	State Minimum	No
At Fault With No Injury	Progressive	$156	36	68504	Toyota Camry Hybrid	50/100	Yes
Not At Fault	Progressive	$100	50	68506	Honda Civic Lx	50/100	No
Not At Fault	Progressive	$93	24	68516	Kia Forte	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance in Lincoln after other driving violations

A DUI or speeding ticket can lead to a spike in car insurance rates for Lincoln drivers. Take note, however, that it’s not just major violations that cause increases. Failing to stop at a stop sign, driving without insurance, or driving without a license are all violations that can increase premiums.

Check out some examples of how Jerry helped drivers with violations find affordable insurance in Lincoln.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
Failure to Obey Signal	The General	$301	37	68504	Chevrolet Malibu Ls	State Minimum	No
Careless Driving	Progressive	$74	29	68504	Dodge Durango Sxt	State Minimum	No
DUI	Progressive	$90	26	68528	Hyundai Sonata Sport	50/100	No
Other Minor	Progressive	$107	44	68521	Lexus Rx 350	State Minimum	No
Following too Closely	Progressive	$50	29	68522	Chevrolet Cruze Lt	100/300	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Lincoln by age

Young drivers between the ages of 16 and 19 face some of the highest insurance rates due to their lack of driving experience. Premiums usually decrease after the age of 25 but rise again in your mid-70s due to slower reflexes and increased injury risk in an accident.

If you’re seeking the most affordable rates regardless of age, USAA, Farmers Mutual of Nebraska, State Farm, North Star Mutual, and Progressive are top choices in Lincoln. To find the best deal for your needs, it’s wise to shop around.

Cheapest car insurance in Lincoln for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance rates compared to any other age group in Lincoln. This is primarily due to their limited experience on the road, which increases the likelihood of being involved in accidents and subsequently raises their insurance premiums.

When you drive with a Nebraska provisional license, you may notice slightly lower insurance risk as you are only allowed to drive under specific conditions. Once you obtain an unrestricted license, however, expect your rates to increase.

Fortunately, there are measures you can take to reduce your premiums. Completing a defensive driving course or maintaining a B+ average may qualify you for discounts with certain insurance providers. Being added as a driver to a parent or guardian’s policy can also help save money.

Due to the elevated risk associated with new and young drivers, we recommend that individuals under 19 consider purchasing a full-coverage policy to ensure greater financial protection in Lincoln.

Cheapest car insurance in Lincoln for senior drivers

Despite having significantly more driving experience compared to teenagers, senior drivers often face high car insurance rates. Higher rates for seniors stem from their increased vulnerability and higher risk of mortality, hospitalization, and medical expenses if they are involved in an accident. Slower reflexes among seniors also contribute to higher accident risk.

Since these higher risks can lead to increased costs for insurers, seniors typically pay higher premiums.

You can find the best insurance for seniors in Lincoln when you shop with Jerry.

Cheap car insurance quotes in Lincoln based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any lapses in coverage.

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status.

Cheap car insurance quotes in Lincoln for drivers with poor credit

While having a low credit score doesn’t necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Credit Score	Insurance Company	Monthly Quote	Age	Zip Code	Car Make Model Trim	Insurance Coverage	Has Full Coverage
<550	Progressive	$254	26	68510	Infiniti Jx35	State Minimum	Yes
550-659	Progressive	$196	19	68522	Jeep Grand Cherokee Limit	State Minimum	Yes
550-659	The General	$301	37	68504	Chevrolet Malibu Ls	State Minimum	No
750+	Progressive	$44	30	68503	Jeep Grand Cherokee Laredo	State Minimum	No
660-750	Progressive	$100	28	68528	Hyundai Sonata Limited	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Lincoln for popular cars

The make and model of your vehicle significantly impact your car insurance costs. Luxury vehicles such as Bentley or Lamborghini, with price tags exceeding $150,000, come with higher insurance bills compared to safety-oriented vehicles like the Toyota Corolla or Honda Odyssey.

Generally, the more expensive your car is, the higher your insurance premium will be. Other car-related factors that can increase insurance rates include:

• Repair or replacement costs
• Likelihood of theft
• Safety rating

Popular car models in Lincoln include:

• Ford F-150
• Ram 1500
• Chevrolet Malibu
• Chevrolet Silverado
• GMC Sierra
• Jeep Grand Cherokee

Choosing a car with solid reliability, lower repair costs, and a modest price tag can help keep your premiums low.

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Learn more: How to get car insurance before buying a car

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Insurance Coverage	Has Full Coverage
Jeep Grand Cherokee Limit	Progressive	$196	19	68522	State Minimum	Yes
Chevrolet Malibu Ls	The General	$301	37	68504	State Minimum	No
Jeep Grand Cherokee Laredo	Progressive	$44	30	68503	State Minimum	No
Jeep Grand Cherokee Lared	Progressive	$110	47	68506	State Minimum	No
Chevrolet Malibu 2Lt	Dairyland	$101	55	68516	State Minimum	No

Last Updated Dec 17, 2024

How to lower car insurance costs in Lincoln

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
• Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
• Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
• Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.