How Much Does Car Insurance Cost in Lincoln?


On average, premiums in Lincoln sit under Nebraska's average by $73. We've analyzed how car insurance rates in Lincoln compare to costs nationwide.


CAR INSURANCE COSTS: LINCOLN VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$1,111$1,184$1,427


Lincoln Auto Insurance by Credit Score


For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly double. Shifting from Very Poor (300-579) to Fair (580-669) has the biggest positive effect on premiums, as it saves drivers around $265 per year.


LINCOLN AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Auto Insurance Rate
Very Poor$1,906
Fair$1,614
Good$1,349
Very Good$1,153
Exceptional$972


Lincoln Auto Insurance by Marital Status and Gender


Both gender and marital status are among the numerous driver attributes that play a role in car insurance premiums in Lincoln. Being single can cost you close to $100 more per year compared to being married. Rates for those who are widowed are relatively cheaper than rates for those who are single. Premiums for men are typically cheaper than for women, but not by much.


LINCOLN AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,116
Male$1,111
Single$1,111
Married$1,013
Divorced$1,111
Widowed$1,076


Lincoln Auto Insurance for High-Risk Drivers


Accidents and violations on your record can cost you in terms of premiums. When comparing premiums for drivers with at-fault accidents in Lincoln, those with damages exceeding $2,000 pay 10% more than those with damages less than $1,000. In Lincoln, drivers with a DUI need to spend $748 more than the city average to insure their vehicle. Reckless driving will drive your premiums up as well, with average rates of $1,804!


AVERAGE LINCOLN INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Premium
DUI$1,859
Reckless Driving$1,804
At-fault Accident (damages less than $1,000)$1,534
At-fault Accident (damages greater than $2,000)$1,683
Speeding Ticket (16-20 mph over speed limit)$1,315


Lincoln Car Insurance Costs by Age Bracket

The greatest drop in premiums for Lincoln drivers happens when they hit their 20s. Once out of the teenage age range, drivers save, on average, 65%. In Lincoln, turning 60 means an increase in insurance rates. Up until then, moving between age groups means decreasing prices. Among all age groups, drivers in their 50s have the smallest insurance rates, with rates of $971/year. Those in their 60s ($984) aren’t paying significantly more. With car insurance payments of $4,330 on average, teenage drivers have the largest premiums of any age group.


LINCOLN CAR INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$4,330
20s$1,520
30s$1,088
40s$1,053
50s$971
60s$984
70s$1,201


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Lincoln, you can expect 82 rainy days with an annual rainfall of 30 inches. Lincoln is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

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

Car Insurance Companies in Lincoln

Find Local Lincoln Agents

Cornhusker Insurance Agency

5701 S 34th St Lincoln, NE 68516

MRH Insurance Group, Inc.

9200 Andermatt Dr Lincoln, NE 68526

Gary Thompson Agency, Inc.

300 N 27th St Lincoln, NE 68503

Alliance Insurance Group of Lincoln

7501 O St Ste 101 Lincoln, NE 68510

Security First Insurance

3300 S 10th Lincoln, NE 68502

Mid-Alliance Insurance Associates LLC

5600 S 48th St Suite 114 Lincoln, NE 68516

Mittelstadt Agency

1701 K St Lincoln, NE 68508

Solid Ground Insurance LLC

6000 S 58th St Suite C Lincoln, NE 68516

AMS Insurance Center

120 S. 29th Lincoln, NE 68510

The Harry A Koch Co

233 S 13th Lincoln, NE 68508

Aon Risk Services Inc of NE

5000 Central Park Dr Lincoln, NE 68504

Robert Rung Insurance Agency

5620 NW Fairway Rd Lincoln, NE 68521

Barney Insurance of Lincoln

707 N. 48th St. Lincoln, NE 68504

Copple Insurance Agency Inc

1640 L Street, Ste A Lincoln, NE 68508

Gene Lilly Surety Bonds, Inc.

735 S 56Th St Lincoln, NE 68510

Forsyth Insurance Agency, Inc.

1265 S Cotner Blvd, Ste 21 Lincoln, NE 68510

Nebraska Bankers Insurance & Services Co.

233 South 13th Street Lincoln, NE 68508

Cornhusker Insurance Agency

1101 Cornhusker Highway Lincoln, NE 68521

McCashland, Kirby & Associates

8231 Northwoods Drive Lincoln, NE 68505

Union Agency, Inc.

4719 Prescott Ave Lincoln, NE 68506

NSURE Agency Incorporated

1040 N. Cotner Blvd. Lincoln, NE 68505

The Home Agency

128 N 13TH ST LINCOLN, NE 68508

HUB International

5700 Village Blvd Lincoln, NE 68516

All American Insurance, Inc.

6128 Havelock Ave. Lincoln, NE 68507

Zimmer Insurance Group

3230 S 13th St Lincoln, NE 68502

See All

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

icon_coffee

170

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

See How Much You Can Save in Lincoln

Just enter your zip code to get started

Your information is secure.

Recent Questions:

Lincoln Car Insurance

Will my insurance company pay for an attorney?

Feb 07, 2017

I was involved in an accident a little more than a month ago. There was dispute about who is at-fault ...

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

Mar 10, 2016

I sold my car to get more money than I would on trade-in value, but the check from the buyer...

Additional Resources:

Lincoln Car Insurance

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...