Car Insurance in Lincoln
Lincoln premiums sit under the state average by 6%, which is why the city is known for its inexpensive premiums. Let’s get started on how to save on car insurance in Lincoln.
- City Average: $1,111
- State Average: $1,184
- National Average: $1,427
Lincoln Car Insurance by Gender and Marital Status
Both gender and marital status can have an effect on your car insurance premiums in Lincoln. Rates for those who are widowed are moderately cheaper than rates for those who are single. Single individuals spend around $100 more per year on car insurance compared to those who are married. Luckily for men, their premiums tend to be somewhat cheaper than for women.
- Female: $1,116
- Male: $1,111
- Single: $1,111
- Married: $1,013
- Divorced: $1,111
- Widowed: $1,076
Lincoln Car Insurance by Credit Rating
For individuals with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are 49% less a year. Drivers can save nearly $265 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).
- Very Poor: $1,906
- Fair: $1,614
- Good: $1,349
- Very Good: $1,153
- Exceptional: $972
Lincoln Car Insurance by Age
With payments of $4,330 on average, teenage drivers pay the most in car insurance premiums. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance rates among any age group, with rates of $971. However, those in their 60s ($984) have premiums that aren't much higher. The most significant decrease in premiums for Lincoln drivers happens when they reach their 20s. Once out of the teenage age range, people reduce their premiums by 65%. While premiums for drivers in Lincoln will continue to shrink through their 50s, they should anticipate a change when they turn 60.
- Teenagers: $4,330
- 20s: $1,520
- 30s: $1,088
- 40s: $1,053
- 50s: $971
- 60s: $984
- 70s: $1,201
Lincoln Car Insurance by Accident or Violation History
A history of accidents and violations can cost you in terms of car insurance premiums. Being at-fault in an accident with damages exceeding $2,000 costs you an additional 10% per year in premiums compared to an accident with damages less than $1,000. Generally, a DUI in Lincoln will cost you 67% more in car insurance premiums versus the city average ($1,111). Reckless driving will bump your rates up as well, with average rates of $1,804, which are 62% higher than the city average!
- DUI: $1,859
- Reckless Driving: $1,804
- At-fault Accident (damages less than $1000): $1,534
- At-fault Accident (damages greater than $2000): $1,683
- Speeding Ticket (16-20 mph over speed limit): $1,315
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Lincoln Agents
NSURE Agency Incorporated
1040 N. Cotner Blvd. Lincoln, NE 68505
Forsyth Insurance Agency, Inc.
1265 S Cotner Blvd, Ste 21 Lincoln, NE 68510
Cornhusker Insurance Agency
5701 S 34th St Lincoln, NE 68516
5700 Village Blvd Lincoln, NE 68516
Union Agency, Inc.
4719 Prescott Ave Lincoln, NE 68506
The Harry A Koch Co
233 S 13th Lincoln, NE 68508
Gary Thompson Agency, Inc.
300 N 27th St 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
Cornhusker Insurance Agency
1101 Cornhusker Highway Lincoln, NE 68521
The Home Agency
128 N 13TH ST LINCOLN, NE 68508
McCashland, Kirby & Associates
8231 Northwoods Drive Lincoln, NE 68505
Solid Ground Insurance LLC
6000 S 58th St Suite C Lincoln, NE 68516
Nebraska Bankers Insurance & Services Co.
233 South 13th Street Lincoln, NE 68508
Alliance Insurance Group of Lincoln
7501 O St Ste 101 Lincoln, NE 68510
Security First Insurance
3300 S 10th Lincoln, NE 68502
MRH Insurance Group, Inc.
9200 Andermatt Dr Lincoln, NE 68526
Barney Insurance of Lincoln
707 N. 48th St. Lincoln, NE 68504
Copple Insurance Agency Inc
1640 L Street, Ste A Lincoln, NE 68508
1701 K St Lincoln, NE 68508
All American Insurance, Inc.
6128 Havelock Ave. Lincoln, NE 68507
Aon Risk Services Inc of NE
5000 Central Park Dr Lincoln, NE 68504
Zimmer Insurance Group
3230 S 13th St Lincoln, NE 68502
Gene Lilly Surety Bonds, Inc.
735 S 56Th St Lincoln, NE 68510
Robert Rung Insurance Agency
5620 NW Fairway Rd Lincoln, NE 68521
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Lincoln Car Insurance
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