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 AverageState AverageNational Average
$1,194$1,281$1,569


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 ViolationMean Rate
DUI$1,798
Reckless Driving$1,958
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
AgeAverage Rate
Teenagers$4,495
20s$1,619
30s$1,168
40s$1,128
50s$1,033
60s$1,052
70s$1,233


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/GenderAverage Rate
Female$1,200
Male$1,194
Single$1,194
Married$1,000
Divorced$1,194
Widowed$1,146


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
CreditAverage Auto Insurance Rate
Very Poor$2,205
Fair$1,404
Good$1,194
Very Good$1,091
Exceptional$1,004


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

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

Mittelstadt Agency

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

HUB International

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

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

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Feb 07, 2017

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Mar 10, 2016

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Lincoln Car Insurance

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