What's the Cost of Car Insurance in Lincoln?
It is known that Nebraska has economical premiums, as its mean rate sits under the national average by 18%. While premiums in the city are also relatively low, saving while insuring a vehicle in Lincoln is still important. Keep some money in your pocket by following our tips and saving on car insurance in Lincoln.
CAR INSURANCE PRICES: LINCOLN VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
Lincoln Car Insurance for Drivers With At-Fault Accidents or Violations
Being knowledgable about which driving mishaps can bloat your car insurance premiums will help you make better decisions and save money. Reckless driving will increase your car insurance premiums more than other driving violations. In Lincoln, drivers with a DUI have rates that exceed the city average of $1,194 by $604. Reckless driving will also drive your rates up, with average rates of $1,958. That is 64% higher than the city average! Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another 17% per year in premiums.
AVERAGE LINCOLN INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Mean Rate|
|At-fault Accident (damages less than $1,000)||$1,529|
|At-fault Accident (damages greater than $2,000)||$1,794|
|Speeding Ticket (16-20 mph over speed limit)||$1,412|
Lincoln Auto Insurance Costs by Driver Age
Teenage drivers have the largest premiums out of all the age groups. They have average car insurance payments of $4,495 per year. Drivers in their 50s save money on premiums, as they have the smallest rates among all age groups, paying only $1,033 each year. People in their 60s ($1,052) aren’t paying much more. The largest dip in premiums for Lincoln drivers happens when they hit their 20s. Once out of the teenage age range, people save an average of 64% annually. The first time drivers can expect their age to trigger a rise in insurance rates is when they turn 60.
LINCOLN AUTO INSURANCE PREMIUMS BY AGE
Lincoln Car Insurance by Marital Status and Gender
Various driver attributes, including gender and marital status, can have an effect on car insurance premiums in Lincoln. However, males have premiums that are only a little cheaper than those for females. Believe it or not, marital status has a substantial impact on premiums. Being single, as opposed to married, can cost you approximately $190 more per year. Rates for those who are widowed are relatively cheaper than rates for those who are single.
LINCOLN CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Lincoln Auto Insurance by Credit Rating
Individuals with Very Poor credit (300-579) generally pay more than twice as much each year for car insurance than those with Exceptional credit (800-850). Drivers can save an average of $801 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).
LINCOLN AUTO INSURANCE RATES BY CREDIT TIER
|Credit||Average Auto Insurance 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 & 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
Zimmer Insurance Group
3230 S 13th St Lincoln, NE 68502
Mid-Alliance Insurance Associates LLC
5600 S 48th St Suite 114 Lincoln, NE 68516
Aon Risk Services Inc of NE
5000 Central Park Dr Lincoln, NE 68504
McCashland, Kirby & Associates
8231 Northwoods Drive Lincoln, NE 68505
Forsyth Insurance Agency, Inc.
1265 S Cotner Blvd, Ste 21 Lincoln, NE 68510
Gene Lilly Surety Bonds, Inc.
735 S 56Th St Lincoln, NE 68510
Union Agency, Inc.
4719 Prescott Ave Lincoln, NE 68506
Solid Ground Insurance LLC
6000 S 58th St Suite C Lincoln, NE 68516
AMS Insurance Center
120 S. 29th Lincoln, NE 68510
Alliance Insurance Group of Lincoln
7501 O St Ste 101 Lincoln, NE 68510
Copple Insurance Agency Inc
1640 L Street, Ste A Lincoln, NE 68508
Barney Insurance of Lincoln
707 N. 48th St. Lincoln, NE 68504
Nebraska Bankers Insurance & Services Co.
233 South 13th Street Lincoln, NE 68508
1701 K St Lincoln, NE 68508
Cornhusker Insurance Agency
5701 S 34th St Lincoln, NE 68516
The Harry A Koch Co
233 S 13th Lincoln, NE 68508
Robert Rung Insurance Agency
5620 NW Fairway Rd Lincoln, NE 68521
The Home Agency
128 N 13TH ST LINCOLN, NE 68508
All American Insurance, Inc.
6128 Havelock Ave. Lincoln, NE 68507
Security First Insurance
3300 S 10th Lincoln, NE 68502
Gary Thompson Agency, Inc.
300 N 27th St Lincoln, NE 68503
Cornhusker Insurance Agency
1101 Cornhusker Highway Lincoln, NE 68521
5700 Village Blvd Lincoln, NE 68516
NSURE Agency Incorporated
1040 N. Cotner Blvd. Lincoln, NE 68505
MRH Insurance Group, Inc.
9200 Andermatt Dr Lincoln, NE 68526
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