Cheap Auto Insurance Quotes in Lincoln, NE (2023)

Lincoln has minimal public transportation, and while you can get around on foot or by bike for many errands, most Lincoln residents drive to work. To stay protected and legal on the road, it’s important for these drivers to maintain an active insurance policy.

Car Insurance in Lincoln, NE

The average cost of Nebraska car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lincoln, NE to find you the cheapest quotes in the area.

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• Cheap Car Insurance Nebraska

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Cheapest Car Insurance in Lincoln, NE

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Lincoln, NE

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Lincoln. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Nebraska

All motor vehicles operated or parked on Nebraska roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Nebraska^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Nebraska is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorists

• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. While this level of coverage is required in Nebraska, drivers can increase their minimums by writing to their provider.

Lincoln Car Insurance Rates by Driver Age

Lincoln’s teenagers might squeak out a car insurance payment with the money they make from a part-time job. What may be a problem for teenagers becomes doable for young adults in their 20s, at $235—a $140 per month savings. Prices continue to trend down as drivers get more years behind the wheel. Everyone 30 or older beats the state average of $199. Those in their 60s pay less than a third of what teens do.

Lincoln Car Insurance Rates by Driving and Accident History

Nebraskans have figured out that safe driving is also smart driving. The insurance companies like the idea and pass “good driver” and “accident-free” discounts on to people with clean records. Defensive driving helps people avoid accidents and an unwanted spike of over $85 per month or $1,020 per year. Contrast that with a failure-to-stop ticket, which only bumps the rate up by $22 per month. If there is an accident or violation on a driver’s history, after three years, it stops affecting car insurance premiums.

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• High-risk Car Insurance Nebraska

• DUI Car Insurance Nebraska

Lincoln Car Insurance Rates by Credit Tier

Along with most others in the U.S., the Cornhusker State allows insurance companies to use credit as a factor when setting rates. Many drivers can’t see the relationship between their credit score and their ability to drive, but the insurance companies argue otherwise. If that’s the case, why do people with good or excellent credit pay more than those with average credit? Drivers with better credit finance costlier cars and may buy higher coverage levels to protect their assets. That said, a move from poor credit to average credit saves $18 per month or more than $200 per year.

See More: Bad Credit Car Insurance Nebraska

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Lincoln, NE DMV Information

When it comes time to register your vehicle or renew your driver’s license, the DMV in Lincoln can help with both, and office hours are 8 a.m. to 5 p.m. Remember that you’ll need to provide proof of insurance when you register your vehicle or renew your registration. It’s easy to find the best rate and quickly apply for coverage with Insurify.

Public Transportation in Lincoln, NE

About 89 percent of Lincoln residents drive to work, commuting an average of 18 minutes to get there. The average household in Lincoln has two cars. The city operates the StarTran bus system, which covers much of Lincoln and has Saturday service, but only about 1 percent of residents use the system for the daily commute. Uber and Lyft operate in the city, and there are a couple of taxi services you can use to get around, but for most residents, having an insured vehicle will provide the most freedom.

For more detailed Nebraska city level guides, check out these below.

• Average Cost of Car Insurance Rates in Nebraska

• DUI Car Insurance Rates in Nebraska

• High-Risk Driver Car Insurance Rates in Nebraska

• Nebraska Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Nebraska

• SR-22 Insurance in Nebraska

How to get the best and cheapest car insurance in Lincoln, NE

Having a car insurance policy is essential to driving safely in Lincoln. Fortunately, car insurance here is very affordable, and you can compare quotes from different providers to get a lower rate.

Nearly 7 percent of drivers in Lincoln do not have car insurance. They face hefty costs should they be involved in an accident. Don’t leave your family’s finances at risk. Nowadays, it’s quick and easy to get car insurance. You can use Insurify to compare premiums from multiple insurers all in one place so you can easily identify the lowest rate for the coverage you need.

FAQs - Lincoln, NE Car Insurance