Cheapest car insurance in Lincoln, Nebraska (Nov 2024)

Written by R.E. Fulton and 2 others
Nov 22, 2024
Insurance price card

Cheapest car insurance in Lincoln, Nebraska (Nov 2024)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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 $138 26 68503 Ford Taurus Limited State Minimum No
Progressive $93 24 68516 Kia Forte State Minimum No
Progressive $74 36 68502 Ford Escape Se State Minimum Yes
The General $106 51 68505 Chevrolet K1500 Suburban Lt State Minimum No
Dairyland $358 34 68503 Chrysler 300 Touring State Minimum Yes
Last Updated Nov, 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 companyOverall ratingPriceClaims experienceCustomer service
Progressive4.244.84.3
State Farm4N/AN/A
Liberty Mutual3.3N/AN/A
Dairyland4.44N/A4.4

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

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:

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
The General $187 31 68506 Dodge Grand Caravan Se State Minimum Yes
Dairyland $202 63 68508 Kia Soul State Minimum Yes
Progressive $74 36 68502 Ford Escape Se State Minimum Yes
Dairyland $358 34 68503 Chrysler 300 Touring State Minimum Yes
Progressive $241 26 68521 Hyundai Elantra Se State Minimum Yes
Last Updated Dec 5, 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 CodeAverage State Minimum Coverage RateAverage 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
Not At Fault Progressive $93 24 68516 Kia Forte State Minimum No
At Fault With No Injury Progressive $241 26 68521 Hyundai Elantra Se State Minimum Yes
At Fault With No Injury Progressive $74 29 68504 Dodge Durango Sxt State Minimum No
Not At Fault Progressive $280 27 68503 Hyundai Santa Fe Sport State Minimum Yes
Not At Fault Dairyland $101 53 68521 Mercury Milan Premier State Minimum No
Last Updated Nov, 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
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
DUI Progressive $139 32 68504 Ford Focus Se State Minimum No
Last Updated Nov, 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
550-659 Progressive $93 24 68516 Kia Forte State Minimum No
550-659 Progressive $74 36 68502 Ford Escape Se State Minimum Yes
550-659 The General $106 51 68505 Chevrolet K1500 Suburban Lt State Minimum No
<550 Dairyland $358 34 68503 Chrysler 300 Touring State Minimum Yes
550-659 Progressive $241 26 68521 Hyundai Elantra Se State Minimum Yes
Last Updated Nov, 2024

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.


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


Popular Car
Insurance Company
Premium (monthly)
Age
Zip Code
Insurance Coverage
Has Full Coverage
Jeep Grand Cherokee Lared Progressive $110 47 68506 State Minimum No
Chevrolet Malibu 2Lt Dairyland $101 55 68516 State Minimum No
Gmc Sierra C1500 Dairyland $83 42 68504 State Minimum No
Chevrolet Malibu Ls Bristol West $188 22 68502 State Minimum No
Ram 1500 Slt National General $216 24 68506 State Minimum Yes
Last Updated Nov, 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.

FAQ

  • How much is car insurance in Lincoln?
  • What is the minimum car insurance in Lincoln, Nebraska?
  • What is the cheapest car insurance in Lincoln?
  • What is the best car insurance in Lincoln
MEET OUR EXPERTS
meet-experts-thumbnail
R.E. Fulton
  • Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

meet-experts-thumbnail
Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

*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.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.