Cheapest Car Insurance In Lincoln, NE 2024
With an average monthly premium of $37, GEICO is the cheapest provider of minimum coverage car insurance in Lincoln.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the lowest-priced car insurance in Lincoln, NE, often means comparing a variety of options.
Drivers looking for the cheapest liability-only insurance should consider GEICO, while Progressive is the best pick for low-cost full coverage. For younger drivers, State Farm delivers the most affordable rates.
Cheapest Car Insurance Companies In Lincoln, NE
Cheapest Liability-only Car Insurance In Lincoln: Cincinnati
For minimum coverage in Lincoln, GEICO provides the lowest rates, costing an average of $37 a month.
The table below highlights rate comparisons across multiple insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Lincoln: Auto-Owners
For full coverage car insurance, Progressive leads with the most affordable rates at an average of $92 per month in Lincoln.
Check out the table below for a comparison of average quotes from low-cost insurers in Lincoln.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
Seniors in Lincoln can get the lowest car insurance rates from State Farm, which charges $87 a month on average.
The following table highlights average quotes from budget-friendly auto insurers catering to seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Lincoln For Teenagers: Nationwide
Teenage drivers in Lincoln will find State Farm has the most affordable rates, averaging $313 per month.
Check out the table below to see the companies offering the most affordable insurance for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Lincoln: Travelers
In Lincoln, State Farm offers young adults the most affordable car insurance, with average premiums of $238 per month.
Use the chart below to evaluate the lowest auto insurance rates available for young adults in Lincoln.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Lincoln For Good Drivers: Cincinnati
For good drivers in Lincoln, GEICO provides the cheapest car insurance, with an average cost of $37 per month.
The table below helps good drivers find average rates from the most affordable insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Lincoln rates
Cheapest Car Insurance In Lincoln After A Speeding Ticket: Auto-Owners
For drivers with a speeding ticket, State Farm offers competitive rates in Lincoln, averaging $176 a month.
Use the table below to find the average rates for drivers who have received a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
With an average rate of $193 per month, State Farm offers the cheapest insurance for drivers with an at-fault accident.
Here’s a list of the car insurance companies that offer the best rates for drivers with an at-fault accident history.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Lincoln For Drivers After A DUI: State Farm
For drivers with a DUI, State Farm offers the cheapest car insurance rates in Lincoln, with an average monthly premium of $188.
The table below highlights the most affordable car insurance options for drivers in Lincoln with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Lincoln
Lincoln drivers can find affordable insurance with AAA California for just $83 per month. Progressive, at $90, and GEICO, at $93, are also good alternatives.
Listed below are the 10 best car insurance companies in Lincoln, NE, ranked by average monthly costs.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Cost Of Auto Insurance In Lincoln – By Zip Code
Zip codes play a key role in helping insurance providers evaluate crime rates, which is why car insurance premiums differ from one zip code to another.
Below, you’ll find a table with average insurance rates for Lincoln’s zip codes.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
Average Auto Insurance Rates In Lincoln – By Age
Age is an important factor when calculating car insurance rates. Teen drivers typically pay more because of their lack of driving experience and greater likelihood of being involved in accidents or receiving tickets. The average yearly cost for a teen is about $7,599.
Drivers usually see a decrease in their rates around the age of 25, assuming they maintain a clean driving record.
Drivers in their 50s and early 60s usually enjoy the lowest insurance rates, as insurers use age to assess both driving experience and risk, influencing how premiums are calculated.
| Age | Average Yearly Rate |
| Teenagers | $2,390 |
| 20s | $1,678 |
| 30s | $1,018 |
| 40s | $1,138 |
| 50s | $982 |
| 60s | $1,198 |
| 70s | $1,366 |
Average Rates In Lincoln – By Vehicle
Your car’s model, make, year, and body style play a crucial role in determining how much you pay for insurance. Typically, newer and luxury cars, with their advanced features and higher replacement costs, come with more expensive premiums.
Below is a table displaying the average car insurance rates in Lincoln for various types of vehicles.
| Vehicle | Average Monthly Rate |
| Hyundai Santa Fe | $82 |
| Nissan Rogue | $60 |
| Chevrolet Impala | $182 |
| Dodge Avenger | $146 |
How Much Is Car Insurance In Other Cities In Nebraska?
The location where you reside can greatly affect your insurance premiums. Urban areas, with their higher rates of accidents, vehicle theft, and vandalism, typically lead to higher car insurance costs.
For example, car insurance premiums in Los Angeles are around $243 per month, while in San Diego, residents pay about $176 monthly.
| City | Average Monthly Rate |
| Norfolk | $98 |
| North Platte | $88 |
| Omaha | $140 |
| Oshkosh | $92 |
| Bellevue | $130 |
| Blair | $140 |
| Columbus | $106 |
| Fremont | $108 |
| Grand Island | $110 |
| Hastings | $112 |
Our Methodology
I’ve compiled an in-depth look at Lincoln's car insurance providers, drawing from an extensive analysis of customer service, pricing, product options, and user reviews from several online platforms.
This insight stems from my 15-year tenure in the field as a certified insurance agent. Over the years, I've interacted with numerous insurance company representatives and amassed valuable knowledge through practical involvement.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Lincoln?
For minimum coverage in Lincoln, GEICO offers the lowest premiums, while Progressive offers the best rates for full coverage, including comprehensive and collision insurance.
What is the average cost of car insurance in Lincoln?
In Lincoln, the average monthly cost for car insurance is about $180, but prices can differ depending on factors such as your zip code, car model, and driving history.
