Buy Cheap Lincoln, NE Auto Insurance (2022)

Lincoln, NE auto insurance rates average $272 a month. Minimum auto insurance requirements in Lincoln, Nebraska are 25/50/25 to comply with Nebraska laws. To buy cheap auto insurance in Lincoln, NE, compare Lincoln auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Lincoln, NE for teens drivers are $6,540/year
  • The most expensive auto insurance company in Lincoln after a DUI is Liberty Mutual
  • Average auto insurance rates in Lincoln, NE are $272/month

Finding affordable Lincoln, Nebraska auto insurance can be challenging, but everything you need to know to buy cheap Lincoln, NE auto insurance with confidence is right here. Auto insurance rates in Lincoln are affected by local factors as well as personal ones like your driving record.

See how Lincoln, NE car insurance rates compare to Grand Island auto insurance rates, Norfolk auto insurance rates, and Bellevue auto insurance rates before you read more about the cost of auto insurance in Lincoln.

Don’t buy Lincoln, NE auto insurance until you’ve compared rates. Get free Lincoln, Nebraska auto insurance quotes when you enter your ZIP code above.

Lincoln, NE Minimum Auto Insurance Requirements

The required auto insurance in Lincoln, NE is 25/50/25 according to the auto insurance laws in Nebraska. The minimum auto insurance in Lincoln, Nebraska is outlined here.

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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Find Cheap Lincoln, NE Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lincoln, NE. Take a look at Lincoln, Nebraska auto insurance rates by credit history.

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

Buy Cheap Lincoln, NE Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lincoln, Nebraska auto insurance rates? Find out how car insurance rates in Lincoln, NE are impacted by demographics.

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

Buy Cheap Lincoln, NE Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lincoln can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lincoln, NE are listed here.

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

Buy Cheap Lincoln, NE Auto Insurance for Seniors

You can save on senior auto insurance rates in Lincoln, Nebraska by comparing Lincoln senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lincoln, NE here.

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

Find Cheap Auto Insurance Rates in Lincoln, NE by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lincoln, Nebraska auto insurance. Compare Lincoln, NE 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

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Find Cheap Lincoln, NE Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lincoln. Compare auto insurance rates in Lincoln, NE by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Lincoln, NE Auto Insurance Rates by Driving Record

Auto insurance rates in Lincoln, Nebraska are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lincoln, NE, take a look at the average cost for various violations versus rates for a clean driving record in Lincoln.

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

Find Cheap Lincoln, NE Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lincoln, Nebraska is higher than for a clean driving record. You can buy auto insurance after a DUI in Lincoln for less when you shop around and compare rates from multiple Lincoln, NE auto insurance companies.

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

Winners by Category: Where to Buy Cheap Auto Insurance in Lincoln, NE

Compare rates from the cheapest auto insurance companies in Lincoln, NE for your needs. Take a look at how Lincoln, Nebraska auto insurance companies stack up for each category.

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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Find Cheap Lincoln, Nebraska Auto Insurance Companies

If you’re looking for the cheapest Lincoln, NE auto insurance companies overall, you can compare them here. Find the best price for Lincoln, Nebraska car insurance by company.

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 Lincoln, Nebraska auto insurance rates?

Local factors affect auto insurance rates in Lincoln, NE, including traffic, theft statistics, and commute length. Take a look at the things that impact Lincoln auto insurance rates.

Commute Times in Lincoln

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lincoln, NE is 18.7 minutes according to City-Data.

Traffic in Lincoln

How is traffic in Lincoln, Nebraska? Inrix data shows that Lincoln, NE traffic makes it the 59th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Lincoln, NE

You can buy cheap Lincoln, NE auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lincoln, Nebraska auto insurance quotes from top companies.

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