Compare Lincoln, NE Car Insurance Rates (2021)

Car insurance in Lincoln, NE averages $272 a month. Lincoln, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lincoln car insurance rates, compare quotes from the top car insurance companies in Lincoln, NE.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Lincoln, NE are $3,261/year
  • The cheapest car insurance company in Lincoln for teen drivers is American Family
  • Average car insurance rates in Lincoln, NE after a DUI are $3,753/year

If you need to buy Lincoln, Nebraska car insurance, the options can be confusing. Everything you need to know about car insurance in Lincoln, NE is right here.

You’ll find Lincoln car insurance rates, the cheapest Lincoln, NE car insurance companies, and information on Nebraska car insurance laws. You can also compare Lincoln, Nebraska car insurance rates to Norfolk car insurance rates, Columbus car insurance rates, and Omaha car insurance rates.

Ready to find affordable Lincoln, NE car insurance today? Enter your ZIP code for fast, free Lincoln car insurance quotes.

Cheapest Lincoln, NE Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lincoln, NE car insurance rates? Every Lincoln, Nebraska car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lincoln, Nebraska

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,847 $1,741 $1,677 $1,691 $5,649 $5,963 $2,013 $2,026
American Family $1,690 $1,690 $1,555 $1,555 $2,973 $4,542 $1,654 $1,813
Farmers $2,286 $2,268 $2,039 $2,164 $9,407 $9,699 $2,588 $2,681
GEICO $2,149 $2,102 $2,113 $2,033 $4,816 $6,252 $1,949 $1,870
Liberty Mutual $3,283 $3,552 $2,594 $3,163 $14,958 $16,811 $3,417 $3,769
Nationwide $1,848 $1,892 $1,662 $1,766 $4,619 $5,699 $2,172 $2,343
Progressive $1,861 $1,770 $1,535 $1,600 $7,683 $8,626 $2,218 $2,372
State Farm $1,565 $1,565 $1,405 $1,405 $4,672 $5,900 $1,741 $1,968
USAA $1,221 $1,207 $1,135 $1,147 $4,080 $4,807 $1,554 $1,710

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Minimum Car Insurance in Lincoln, NE

Every driver must carry the minimum car insurance in Lincoln, NE. Take a look at the Nebraska car insurance requirements.

Minimum Required Car Insurance Coverage in Lincoln, Nebraska

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Lincoln, NE Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lincoln, NE. Compare credit history car insurance rates in Lincoln from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lincoln, Nebraska

Insurance Company Poor Fair Good
Allstate $3,493 $2,676 $2,308
American Family $2,950 $1,984 $1,618
Farmers $4,720 $3,949 $3,756
GEICO $3,319 $2,891 $2,521
Liberty Mutual $9,265 $5,641 $4,425
Nationwide $3,282 $2,650 $2,319
Progressive $3,931 $3,343 $3,101
State Farm $3,673 $2,201 $1,708
USAA $2,780 $1,910 $1,633

Cheapest Lincoln, NE Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lincoln, NE to rates for a clean record with top companies.

Annual Lincoln, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,415 $2,760 $3,394 $2,735
American Family $2,138 $2,322 $2,138 $2,138
Farmers $3,496 $4,510 $4,398 $4,162
GEICO $1,906 $2,698 $4,006 $3,033
Liberty Mutual $5,511 $6,531 $7,051 $6,681
Nationwide $1,979 $2,824 $3,970 $2,228
Progressive $2,930 $4,348 $3,282 $3,273
State Farm $2,316 $2,739 $2,527 $2,527
USAA $1,591 $2,025 $3,011 $1,803

Cheapest Lincoln, NE Car Insurance for Teen Drivers

Teen car insurance in Lincoln, NE can be expensive. Take a look at rates from the top car insurance companies in Lincoln for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lincoln, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,649 $5,963
American Family $2,973 $4,542
Farmers $9,407 $9,699
GEICO $4,816 $6,252
Liberty Mutual $14,958 $16,811
Nationwide $4,619 $5,699
Progressive $7,683 $8,626
State Farm $4,672 $5,900
USAA $4,080 $4,807

Cheapest Lincoln, NE Car Insurance for Seniors

Take a look at Lincoln, NE senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lincoln, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,677 $1,691
American Family $1,555 $1,555
Farmers $2,039 $2,164
GEICO $2,113 $2,033
Liberty Mutual $2,594 $3,163
Nationwide $1,662 $1,766
Progressive $1,535 $1,600
State Farm $1,405 $1,405
USAA $1,135 $1,147

Cheapest Lincoln, NE Car Insurance Rates After a DUI

A DUI in Lincoln, NE increases car insurance rates. Compare Lincoln, Nebraska DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lincoln, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,394
American Family $2,138
Farmers $4,398
GEICO $4,006
Liberty Mutual $7,051
Nationwide $3,970
Progressive $3,282
State Farm $2,527
USAA $3,011

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Cheapest Lincoln, NE Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lincoln, NE by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lincoln, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,826 $2,826
American Family $2,167 $2,201
Farmers $4,142 $4,142
GEICO $2,866 $2,955
Liberty Mutual $6,443 $6,443
Nationwide $2,750 $2,750
Progressive $3,458 $3,458
State Farm $2,463 $2,592
USAA $2,084 $2,132

The Best Cheap Car Insurance Companies in Lincoln, NE

Take a look at a side-by-side comparison of the top car insurance companies in Lincoln, NE to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lincoln, Nebraska

Insurance Company Average Annual Rates
Allstate $2,826
American Family $2,184
Farmers $4,142
GEICO $2,910
Liberty Mutual $6,443
Nationwide $2,750
Progressive $3,458
State Farm $2,527
USAA $2,108

Category Winners: Cheapest Car Insurance in Lincoln, Nebraska

Find the cheapest car insurance companies in Lincoln, NE for each category right here.

Best Annual Car Insurance Rates by Company in Lincoln, Nebraska

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

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Cheapest Lincoln, NE Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lincoln car insurance rates. Find the cheapest Lincoln, NE car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lincoln, Nebraska

Insurance Company Low Medium High
Allstate $2,710 $2,819 $2,949
American Family $2,143 $2,248 $2,161
Farmers $3,936 $4,071 $4,419
GEICO $2,822 $2,907 $3,002
Liberty Mutual $6,239 $6,405 $6,687
Nationwide $2,758 $2,748 $2,745
Progressive $3,269 $3,449 $3,656
State Farm $2,400 $2,524 $2,659
USAA $2,017 $2,105 $2,201

What affects car insurance rates in Lincoln, Nebraska?

What factors can have an impact on Lincoln, NE car insurance? There are several reasons why Lincoln car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lincoln, Nebraska.

Commute Time in Lincoln

The more time you spend in your car the higher the risk of an accident. The average commute length in Lincoln, NE is 18.7 minutes according to City-Data.

Traffic in Lincoln

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lincoln, NE traffic data from INRIX ranks Lincoln as the 59th-most congested in the world.

Compare Car Insurance Quotes in Lincoln, NE

Ready to find affordable Lincoln, Nebraska car insurance today? Enter your ZIP code for fast, free Lincoln, NE car insurance quotes.

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