Best Cheap Auto Insurance in Lincoln, NE (2021)

The average Lincoln, NE auto insurance rates are $272 per month. The minimum auto insurance in Lincoln is at least 25/50/25 in coverage to comply with Nebraska auto insurance laws. To find the best cheap auto insurance in Lincoln, Nebraska, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Lincoln is USAA
  • Average auto insurance rates in Lincoln, NE for senior drivers are $1,791 per year
  • The most expensive auto insurance company in Lincoln for teen drivers is Liberty Mutual

Lincoln, Nebraska auto insurance requirements are 25/50/25 according to Nebraska auto insurance laws. Finding cheap auto insurance in Lincoln can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lincoln, Nebraska, including driving record, credit, commute time, and more.

Compare auto insurance in Lincoln to other Nebraska cities, including Fremont auto insurance rates, Norfolk auto insurance rates, and Columbus auto insurance rates to see how Lincoln, Nebraska auto insurance rates stack up.

Before you buy Lincoln, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lincoln, Nebraska auto insurance quotes.

Minimum Auto Insurance in Lincoln, Nebraska

Lincoln, Nebraska auto insurance laws require that you have at least the Nebraska minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lincoln, Nebraska.

Minimum Required Auto 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

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Cheap Lincoln, Nebraska Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lincoln, Nebraska are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Lincoln, Nebraska Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lincoln, Nebraska is a challenge. Take a look at the annual teen auto insurance rates in Lincoln, Nebraska.

Annual Auto 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

Cheap Lincoln, Nebraska Auto Insurance for Seniors

What are senior auto insurance rates in Lincoln, Nebraska? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Lincoln, Nebraska Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lincoln, Nebraska compared to the annual auto insurance rates with a clean record in Lincoln, Nebraska.

Annual Lincoln, Nebraska Auto 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

Cheap Lincoln, Nebraska Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lincoln, Nebraska is not easy. Compare the annual rates for DUI auto insurance in Lincoln, Nebraska to find the best deal.

Annual Auto Insurance Rates After a DUI in Lincoln, Nebraska

Insurance Company Annual Auto 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

Cheap Lincoln, Nebraska Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lincoln, Nebraska annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Lincoln, Nebraska Auto Insurance Rates By Commute

Commute length and annual mileage affect Lincoln, Nebraska auto insurance. Find the cheapest annual Lincoln, Nebraska auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lincoln, Nebraska

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lincoln, Nebraska Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lincoln, Nebraska? Check out the comparison of annual Lincoln, Nebraska auto insurance rates by coverage level.

Annual Auto 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

Best By Category: Cheapest Auto Insurance in Lincoln, Nebraska

Compare the cheapest auto insurance companies in Lincoln, Nebraska in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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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The Cheapest Lincoln, Nebraska Auto Insurance Companies

What auto insurance companies in Lincoln, Nebraska are the cheapest? Compare the top Lincoln, Nebraska auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Lincoln, Nebraska?

There are a lot of reasons why auto insurance rates in Lincoln, Nebraska are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lincoln, Nebraska. Many local factors may affect your Lincoln auto insurance rates.

Lincoln Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lincoln, Nebraska commute length is 18.7 minutes according to City-Data.

Lincoln Traffic

How does Lincoln, Nebraska rank for traffic? According to Inrix Lincoln, Nebraska is the 59th most congested worldwide.

Compare Lincoln, Nebraska Auto Insurance Quotes

Before you buy Lincoln, Nebraska auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lincoln, Nebraska auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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