Best Car Insurance in Lincoln 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Lincoln.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
April 6, 2021Jeep Wrangler / Tj Sport6852122Progressive$165/mo.$91/mo.
June 23, 2021Ford Taurus LX6850432Travelers$163/mo.$98/mo.
April 8, 2021Kia Optima SX6850221Allstate$147/mo.$117/mo.
July 8, 2021Pontiac G66852222Progressive$180/mo.$130/mo.
January 5, 2021Ford Flex SE6850232Progressive$260/mo.$149/mo.
Here’s more information about what impacts the insurance rates in your Lincoln.

How much does car insurance cost in Lincoln?

Car insurance in Lincoln, Nebraska costs single-car drivers an average of $2,235 annually, or about $186 per month. Compared to the state annual average of $3,107, auto insurance in Lincoln is $872 lower higher.
Nebraska’s state capitol has something to offer just about anyone. The University of Nebraska Cornhuskers bring the excitement of Big 10 sports, the Sunken Gardens bring thought-provoking art, and the Haymarket District brings shopping and local entertainment.
Whether you have a long commute, run lots of errands, or are a fan of long road trips, Lincoln drivers should compare insurance quotes online every six months to make sure you’re not overpaying for the coverage you need.
If you’re looking for an easy way to find car insurance savings, just use Jerry. After comparing dozens of competitive quotes, you’ll be able to make an easy switch to a new provider—and Jerry can help you cancel your old policy!
Keep reading to learn more about what affects the price of insurance—as well as some top providers and coverage options to consider—in Lincoln, Nebraska.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Lincoln$2,341$1,519$2,311$1,421$2,458$2,364
National Average$3,223$2,143$3,086$1,764$3,423$2,486
LincolnNational Average
All Coverage Before Jerry
$2,341$3,223
All Coverage After Jerry
$1,519$2,143
Minimum Coverage Before Jerry
$2,311$3,086
Minimum Coverage After Jerry
$1,421$1,764
Full Coverage Before Jerry
$2,458$3,423
Full Coverage After Jerry
$2,364$2,486
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Choosing a carrier in Lincoln

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
While insurance rates aren’t known for being very expensive in Lincoln, it’s still worthwhile to research multiple potential providers and find a carrier that balances low rates with high customer satisfaction ratings.
In Lincoln, some of the best well-known carriers include:
State Farm for their variety of coverage options, bundling policies, and other discounts
Progressive for their competitive prices for standard coverage and 24/7 customer service and roadside assistance
Farmers for their variety of discounts and specialty coverage options
Esurance, a subsidiary of Allstate, for their straightforward claims filing process
USAA for their low rates. However, USAA auto insurance is only available to military members and their families
Finding the right provider for you will vary depending on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Lincoln before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$3,175$1,800Compare Prices
Allstate$2,447$751Compare Prices
Travelers$1,860$578Compare Prices
Nationwide$1,910$284Compare Prices
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What kind of car insurance you need in Lincoln

In Lincoln, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Like most states, Nebraska requires all drivers to carry a minimum amount of car insurance coverage before they can hit the road. The state minimum includes liability and uninsured/underinsured motorist insurance:
You may face fines or license suspension for driving without this insurance.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Although the Nebraska state minimums give you some financial protection, they won’t cover damages to you or your vehicle in an at-fault accident.
For this reason, Lincoln drivers are strongly encouraged to purchase more coverage than the state requires.
The following are some coverage options that would benefit drivers in the Lincoln area:
FactorRecommended coverageDescription
Damages to your vehicleCollision insuranceCollision insurance pays for damages to your vehicle resulting from a collision, regardless of who’s at fault.
Personal injuriesPersonal injury protection (PIP)PIP coverage pays for your medical bills and lost income if you are injured in an accident, regardless of who’s at fault. Also called “no fault insurance.”
Severe weather eventsComprehensive insuranceComprehensive coverage pays for damage to your vehicle that isn’t the result of a collision, such as hail damage, theft, and vandalism.
Traffic densityAccident forgivenessInvesting in an accident forgiveness policy will prevent your rates from climbing after your first at-fault accident.
Long drivesRoadside assistanceTraveling outside of the Lincoln-Omaha area may involve long stretches of highway driving. If you ever encounter a roadside emergency, this coverage will pay for towing, winching, fuel delivery, and more.

What determines your car insurance cost in Lincoln

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Lincoln, you could be paying as much as $4 more per month than an adult driver. These are average rates for Jerry customers in Lincoln broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,459$807
21-24$2,237$457
25-34$2,353$1,050
35-44$1,973$650
45-54$1,505$194
65+$1,860$390
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Lincoln with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,367$885
Driving on Sus. License$2,610$861
Speeding under 15$2,140$821
Failure to Obey Traffic Sign$1,956$718
Careless Driving$1,956$718
DUI$2,110$546
Speeding over 15$1,200$36
Other$1,825$595
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Where in Lincoln you live

It may seem like insurance rates in Lincoln should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Lincoln, residents of 68508, 68524, 68522, 68521 and 68512 will have the most expensive car insurance rates, while people who live in 68520, 68510, 68504, 68505 and 68523 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Lincoln:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 16, 202168504Chrysler Pacifica TouringNE40ClearCover$102/mo.$52/mo.
October 16, 202168521Hyundai Sonata LimitedNE23ClearCover$120/mo.$94/mo.
October 13, 202168504Ram 1500 RebelNE25Progressive$150/mo.$98/mo.
August 31, 202168523Mazda 6 Grand TouringNE32Travelers$155/mo.$101/mo.
September 26, 202168521Ford Focus SELNE22Allstate$181/mo.$115/mo.
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Why is car insurance in Lincoln so expensive?

A variety of considerations determine baseline car insurance rates in Lincoln. Insurance companies often consider the following:
As one of Nebraska’s big cities, you might expect Lincoln to face higher rates than other areas of the state. Several factors, including those related to the city’s larger size and population, may indeed cause insurers to charge higher premiums here:

Traffic patterns

Varying road conditions and congestion from commuter traffic can lead to more potential accidents in Lincoln.

Severe weather

Lincoln is susceptible to tornadoes in the warm season and hail and winter storms in the cold season. Areas where vehicles and property are more likely to be damaged by natural hazards may face higher insurance rates upfront.

How can you save money on car insurance in Lincoln?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

If you’re looking for easy ways to save on your car insurance, one of the best things you can do is apply for discounts. Almost all providers offer multiple discounts each, encompassing rewards for driving a certain type of vehicle, organizations you belong to, and much more.
Here are some discounts common with providers in Lincoln:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Multi-vehiclePutting more than one car on a family policy can get you up to 25% off the cost of insuring each vehicle.
Good student discountStudents 25 and under who maintain a B average (3.0 or above) are eligible for a discount on their insurance policy.
Accident-freeIf you’ve been accident-free for three to five years, you can qualify for a discount on your policy.
Paperless billingIf you opt for e-billing rather than receiving bills in the mail, you can qualify for savings.
“I was paying $350 a month for my new car. With Jerry, I set up a new policy in under 30 minutes that will save me over $1000 a year!” —Mariah K.
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