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 AverageNational Average
$1,255$1,370$1,548

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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
CompanyAverage Yearly Rate
State Farm$1,027
Iowa Farm Bureau$1,122
Progressive$1,213
American Family$1,251
Allstate$1,357

Consult our expert guide to finding the best cheap car insurance.



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 tierAverage Yearly Rate
Teens$4,565
20s$1,663
30s$1,227
40s$1,194
50s$1,105
60s$1,112
70s$1,325

Learn more about the impact of age on car insurance premiums.



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 StatusAverage Annual Rate
Female$1,272
Male$1,255
Single$1,143
Married$1,143
Divorced$1,255
Widowed$1,218

Learn more about how gender and marital status have on auto insurance rates.



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
IncidentAverage Yearly Rate
DWI/DUI$1,620
Reckless Driving$1,778
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

Learn more about how citations can raise your auto insurance rates.



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 TierAverage Yearly Rate
Very Poor$2,352
Fair$1,481
Good$1,255
Very Good$1,133
Exceptional$1,033

Learn more about the relationship between poor credit and car insurance.



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.

82

Rainy Days a Year

30"

Avg. Annual Rainfall

26"

Avg. Annual Snowfall

Be Prepared For

Driving in Lincoln

2
Major Highways
I-80 I-180 U.S. 6
2
Public Transit
StarTran Bus

Find Local Lincoln Agents

Aon Risk Services Inc of NE

5000 Central Park Dr Suite 204, Lincoln, NE 68504

HUB International

5700 Village Blvd, Lincoln, NE 68516

NSURE Agency Incorporated

1040 N. Cotner Blvd., Lincoln, NE 68505

Security First Insurance

3300 S 10th, Lincoln, NE 68502

Gene Lilly Surety Bonds, Inc.

735 S 56Th St, Lincoln, NE 68510

McCashland, Kirby & Associates

8231 Northwoods Drive, Lincoln, NE 68505

The Home Agency

128 N 13TH ST, LINCOLN, NE 68508

Solid Ground Insurance LLC

6000 S 58th St Suite C, Lincoln, NE 68516

Nebraska Bankers Insurance & Services Co.

233 South 13th Street #700, Lincoln, NE 68508

Robert Rung Insurance Agency

5620 NW Fairway Rd, Lincoln, NE 68521

AMS Insurance Center

120 S. 29th, Lincoln, NE 68510

Zimmer Insurance Group

3230 S 13th St, Lincoln, NE 68502

Cornhusker Insurance Agency

1101 Cornhusker Highway, Lincoln, NE 68521

All American Insurance, Inc.

6128 Havelock Ave., Lincoln, NE 68507

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

Mittelstadt Agency

1701 K St, Lincoln, NE 68508

Gary Thompson Agency, Inc.

300 N 27th St Suites B & C, Lincoln, NE 68503

Copple Insurance Agency Inc

1640 L Street, Ste A, Lincoln, NE 68508

Forsyth Insurance Agency, Inc.

1265 S Cotner Blvd, Ste 21, Lincoln, NE 68510

Cornhusker Insurance Agency

5701 S 34th St, Lincoln, NE 68516

Barney Insurance of Lincoln

707 N. 48th St., Lincoln, NE 68504

Alliance Insurance Group of Lincoln

7501 O St Ste 101, Lincoln, NE 68510

Mid-Alliance Insurance Associates LLC

5600 S 48th St Suite 114, Lincoln, NE 68516

Not sure about Lincoln

Check out these other Nebraska cities:

Omaha

2

$1,062

The average Lincoln resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

170

That's equal to 170 cups of coffee or $425 in savings

See How Much You Can Save in Lincoln

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Recent Questions:

Lincoln Car Insurance

Will my insurance company pay for an attorney?

Lawsuits can be an unfortunate consequence of a car accident, but that doesn't mean you're on your own. Your insurance company should provide representation for you in court, but you will need to contact them immediately.

Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing.