In Lincoln, GEICO offers the most low-cost car insurance, on average, for express minimum and full-coverage car indemnity policies. Premiums vary based on driving history. Drivers with a speeding ticket on their commemorate in the city can look to State Farm for the cheapest rates, on median. overall, MoneyGeek ’ s top choice based on this study is Auto Owners Insurance Company, which delivers the best affordability and user satisfaction .iconribbon best car policy

lincoln 2022

The Cheapest and Best Car Insurance in Lincoln

The Cheapest Car Insurance Companies in Lincoln

Full-coverage car policy offers more security than liability-only coverage, carrying higher costs as a consequence. On average, the cheapest providers for full-coverage car indemnity in Lincoln, per MoneyGeek ’ randomness analysis, are :

  • GEICO: $599 per year
  • State Farm: $688 per year

USAA is the second-cheapest supplier in the city, on average, but its policies only apply to military members and their families. The average annual price of a USAA policy is $ 653. On average, the most low-cost insurance company in Lincoln for the full coverage policy is GEICO, while the most expensive is MetLife, at $ 1,254. That makes for a dispute of $ 655. You may pay less or more than these rates depending on your individual profile .

Cheapest Car Insurance in Lincoln

Full Coverage 100/300/100

  • company 100/300/100

    per year

  • 1 .GEICO

    $599

  • 2 .USAA

    $653

  • 3 .State Farm

    $688

  • 4. Farmers Mutual of Nebraska

    $715

  • 5. Allied

    $735

  • 6 .AAA

    $758

  • 7. farm Bureau Mutual ( IA Group )

    $788

  • 8 .American Family

    $797

  • 9 .Allstate

    $838

  • 10 .Progressive

    $877

  • 11 .Farmers

    $997

  • 12 .MetLife

    $1,254

Full-coverage car policy differs from liability-only coverage because it includes the following two supernumerary coverage types :

  • Collision Insurance: This coverage protects drivers against personal injury and property damage costs after colliding with a car or stationary object.
  • Comprehensive Insurance: This insurance covers the costs associated with non-collision damages to your car.

In this inquiry, MoneyGeek used a sample distribution 40-year-old male driver seeking broad coverage to compare rates among different insurers. Our methodology page outlines the limits of a sample policy. If you have an older fomite, it may make more sense to opt for liability-only insurance. Buying entire coverage cable car policy, in this casing, may be more costly than the worth of your car .

Compare Car Insurance Rates in Lincoln

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Cheapest Car Insurance in Lincoln for Minimum Coverage

State minimum car policy policies are the most low-cost in Lincoln. however, it has the lowest coverage limits and you may need to buy extra coverage to protect yourself in the lawsuit of an accident. According to the MoneyGeek research, the cheapest insurers in the city for a minimum car insurance coverage are, on average :

  • GEICO: $265 per year
  • Farmers Mutual of Nebraska: $293 per year

USAA besides provides cheap minimum cable car indemnity coverage in the city, but its policies are only available to active or retired military persons. Metlife charges the highest rates for the state minimum policy, at an average of $ 699 per year — $ 434 higher than the most low-cost indemnity policy in the city. car indemnity rates vary with coverage amount. Use the postpone below to compare rates for different levels of coverage .

Cheapest Minimum Liability Car Insurance in Lincoln

state Minimum

  • company State Minimum

    per year

  • 1 .GEICO

    $265

  • 2. Farmers Mutual of Nebraska

    $293

  • 3 .USAA

    $304

  • 4 .State Farm

    $323

  • 5. farm Bureau Mutual ( IA Group )

    $359

  • 6 .AAA

    $377

  • 7. Allied

    $389

  • 8 .American Family

    $402

  • 9 .Progressive

    $414

  • 10 .Allstate

    $521

  • 11 .Farmers

    $600

  • 12 .MetLife

    $699

If you ‘re aiming to purchase the cheapest coverage in Lincoln, you need to ensure that it meets express minimum requirements. This insurance provides the least protective covering, but the state requires that it has at least $ 25,000 in bodily injury indebtedness coverage per person, up to $ 50,000 per accident and $ 25,000 property damage coverage. This coverage should besides include uninsured motorist coverage of $ 25,000 for bodily injury and $ 50,000 per accident. If you become involved in an accident and the costs of wrong and bodily injury exceed the above limits, you will need to pay the excess amount out of pocket. For example, if the other driver suffers $ 30,000 dollars in aesculapian injuries, you will need to pay $ 5,000 out of pocket .

Nebraska Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property damage. A more protective level is 100/300/100 .
  • Uninsured motorist $ 25,000 per person and $ 50,000 per incident. The minimum coverage may not be enough if you ‘re in a serious accident .

Cheapest Car Insurance in Lincoln if You Have Driving Violations

Your drive record determines how much you pay for cable car policy in Lincoln. Severe violations, including speeding tickets, at-fault accidents and DUIs can cause your premiums to spike well. fortunately, drivers can get lower rates by improving their driving records over time. On average, the cheapest car indemnity providers in Lincoln for drivers with the following traffic violations are :

  • Cheapest After a Ticket: State Farm, $747 per year
  • Cheapest After an At-Fault Accident: State Farm, $807 per year
  • Cheapest After a DUI: State Farm, $747 per year

While car insurance costs more when you have a traffic misdemeanor on your record, you can still get the most low-cost coverage in the city by shopping about to compare quotes .

Cheapest Car Insurance in Lincoln With a Violation

Speeding ticket

  • company Speeding Ticket

    per year

  • 1 .GEICO

    $599

  • 2 .State Farm

    $747

  • 3. Farmers Mutual of Nebraska

    $785

  • 4 .American Family

    $797

  • 5 .USAA

    $802

  • 6. Allied

    $864

  • 7. farm Bureau Mutual ( IA Group )

    $873

  • 8 .Allstate

    $923

  • 9 .AAA

    $946

  • 10 .Progressive

    $1,086

  • 11 .Farmers

    $1,254

  • 12 .MetLife

    $1,448

Average Cost of Car Insurance in Lincoln

Lincoln

$822

Nebraska

$923

U.S.

$1,424

Knowing the distinctive cable car insurance rates in Lincoln will help you find the right supplier and policy. The average cost of car policy in the city is $ 822, which is lower than both the state of matter and national averages. Lincoln drivers pay about 10.9 % less than the state average and around 42.3 % less than the $ 1,424 average home annual premium.

Personalized Quotes to Get You the Cheapest Car Insurance in Lincoln

To determine the monetary value of annual premiums, car policy companies in Lincoln evaluate a variety show of factors. These include age, the make and model of the vehicle, driving history, sex, marital condition and credit mark, among others. Any change in your circumstances will have an impact on your car insurance pace. For exemplar, adolescent drivers may pay higher premiums. Farmers Mutual of Nebraska has an average annual premium of $ 1,737 for an 18-year-old male driver, which is $ 1,022 more than the total that a 40-year-old male will pay, on average, for a alike policy. To get the most accurate rate, compare personalized quotes from unlike cable car insurance companies in Lincoln .

Compare Car Insurance Rates in Lincoln

see you ‘re getting the best rate for your car policy. Compare quotes from the top insurance companies. widget-location-pin

The Best Car Insurance Companies in Lincoln

The best car policy providers in Lincoln aggregate affordability and timbre of service. While determining our scores, MoneyGeek considered respective factors, including affordability, drug user satisfaction and fiscal constancy. Our analysis indicated that the best overall car indemnity companies in Lincoln are :

  • Auto-Owners Insurance Company: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

USAA scored the highest, at 100 out of 100 but we did not include the company in the number of the acme insurers — its policies are lone sold to military members and their families .
1

USAA

sexual conquest :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2

Auto-Owners Insurance Co

score :

97.5

5/5

Affordability 4/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 3

GEICO

score :

92.5

5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4

Allstate

score :

85

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy 5

Travelers

sexual conquest :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 6

Progressive

score :

85

4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 7

Auto Club of Southern California Insurance Group

score :

82.5

4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 8

State Farm

score :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 9

American Family

score :

77.5

2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10

Safeco

score :

77.5

2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 11

Liberty Mutual

mark :

77.5

2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 12

Farm Bureau Ins of MI

score :

75

2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 13

Farmers

grudge :

75

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 14

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability

Average Cost of Car Insurance by Postal Code

ZIP codes besides have an shock on car insurance rates due to differences in the number of accidents, car thefts and drivers. however, this is basically a dead letter in Lincoln. The region with the most low-cost premium in Lincoln is 68516, where drivers pay an average of $ 814 per annum. That is $ 25 less than the average annual premium in 68521, which is the most expensive vicinity for car coverage .

  • Zip Code State Minimum

    per year

  • 68516

    $814

  • 68506

    $815

  • 68521

    $838

Factors That Impact Insurance Costs in Lincoln

In summation to individual driver needs and history, location-specific factors like the pace of car thefts and the percentage of uninsured motorists besides contribute to cable car policy rates in Lincoln. How Lincoln ranks compared to the 300 most populous cities in the United States can have a significant impact on bounty costs .accident2 icon Most Accidents With Fatalities

253rd

/ 300handcuffs2 icon Most car Thefts

37th

/ 300uninsured icon Most uninsured Motorists by State

46th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

184th

/ 300umbrella icon Most showery Days

162nd

/ 300

Methodology and Assumptions

MoneyGeek ’ south average premium rates for Lincoln are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ sulfur data and methodology hera. About the author

expert-profileexpert-profile Mark Fitzpatrick is a senior content coach with MoneyGeek specializing in indemnity. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a maestro of Arts .

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