How much does auto insurance cost in Lincoln?
The typical Lincoln driver pays $1,255 per year for auto insurance. That's less expensive than the average across Nebraska ($1,370) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Lincoln.
CAR INSURANCE RATES IN LINCOLN
|Lincoln Average (yearly)||Nebraska Average||National Average|
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Lincoln auto insurance rates by company
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, State Farm offers Lincoln's cheapest rates. See below the best options for affordable auto insurance in Lincoln. Don't forget to get car insurance quotes based on your driving profile.
LINCOLN AUTO INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
|Iowa Farm Bureau||$1,122|
Car insurance rates by age bracket in Lincoln
The age group that enjoys the lowest auto insurance rates in Lincoln are drivers in their 50s, who pay an average of $1,105per year. Drivers in their 60s pay marginally higher rates — $1,112 per year.
Teenage drivers pay Lincoln's most expensive auto insurance rates. When drivers hit their 20s in Lincoln and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Lincoln is $2,902, the largest such difference between any two age groups.
CAR INSURANCE RATES BY AGE TIER IN LINCOLN
|Age tier||Average Yearly Rate|
Lincoln auto insurance costs by marital status and gender
In some cases, a driver's marital status and gender may affect their car insurance rates. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Lincoln pay $112 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Lincoln, widowed drivers pay less than those who are single.
Another component of auto insurance pricing is gender. In Lincoln, female drivers pay more for auto insurance than do male drivers: $17 per year, to be precise.
LINCOLN CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Annual Rate|
Lincoln auto insurance premiums by violation history
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Lincoln drivers found guilty of reckless driving face insurance rate increases of $523 per year, compared to the citywide average. A DUI violation may lead to a $365 increase, while a citation for speeding leads to a $195 rate hike.
LINCOLN CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,613|
|At-fault Accident (damages > $2,000)||$1,776|
|Speeding Ticket (16-20 mph over speed limit)||$1,450|
Lincoln car insurance rates by credit level
It's no secret credit score is closely correlated with car insurance rates. Lincoln drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 56% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Lincoln, improving your credit to "Fair" corresponds with an $871 decrease in annual car insurance rates.
LINCOLN CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|
What drives up car insurance rates in Lincoln?
Where you live in Lincoln affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Lincoln is no exception to the rule. From ZIP code 68505 to 68517, premiums rise by 8 percent—that’s $78.
Expensive Lincoln ZIP codes: 68503, 68524, 68527, 68514, 68517
Cheap Lincoln ZIP codes: 68505, 68507, 68512, 68516, 68506
Lincoln Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Lincoln, you can expect 82 rainy days with an annual rainfall of 30 inches. Lincoln is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Lincoln
Find Local Lincoln Agents
All American Insurance, Inc.
6128 Havelock Ave., Lincoln, NE 68507
Solid Ground Insurance LLC
6000 S 58th St Suite C, Lincoln, NE 68516
Barney Insurance of Lincoln
707 N. 48th St., Lincoln, NE 68504
Nebraska Bankers Insurance & Services Co.
233 South 13th Street #700, Lincoln, NE 68508
McCashland, Kirby & Associates
8231 Northwoods Drive, Lincoln, NE 68505
Aon Risk Services Inc of NE
5000 Central Park Dr Suite 204, Lincoln, NE 68504
The Home Agency
128 N 13TH ST, LINCOLN, NE 68508
NSURE Agency Incorporated
1040 N. Cotner Blvd., Lincoln, NE 68505
5700 Village Blvd, Lincoln, NE 68516
Cornhusker Insurance Agency
1101 Cornhusker Highway, Lincoln, NE 68521
Copple Insurance Agency Inc
1640 L Street, Ste A, Lincoln, NE 68508
Security First Insurance
3300 S 10th, Lincoln, NE 68502
Zimmer Insurance Group
3230 S 13th St, Lincoln, NE 68502
Gene Lilly Surety Bonds, Inc.
735 S 56Th St, Lincoln, NE 68510
Alliance Insurance Group of Lincoln
7501 O St Ste 101, Lincoln, NE 68510
Cornhusker Insurance Agency
5701 S 34th St, Lincoln, NE 68516
Forsyth Insurance Agency, Inc.
1265 S Cotner Blvd, Ste 21, Lincoln, NE 68510
1701 K St, Lincoln, NE 68508
Robert Rung Insurance Agency
5620 NW Fairway Rd, Lincoln, NE 68521
MRH Insurance Group, Inc.
9200 Andermatt Dr Suite 1, Lincoln, NE 68526
The Harry A Koch Co
233 S 13th, Lincoln, NE 68508
Union Agency, Inc.
4719 Prescott Ave, Lincoln, NE 68506
Gary Thompson Agency, Inc.
300 N 27th St Suites B & C, Lincoln, NE 68503
Mid-Alliance Insurance Associates LLC
5600 S 48th St Suite 114, Lincoln, NE 68516
AMS Insurance Center
120 S. 29th, Lincoln, NE 68510
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