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.

82

Rainy Days a Year

30"

Avg. Annual Rainfall

26"

Avg. Annual Snowfall

Be Prepared For

Driving in Lincoln

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

Car Insurance Companies in Lincoln

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

HUB International

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

Mittelstadt Agency

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

See All

Not sure about Lincoln

Check out these other Nebraska cities...

Omaha

$1,062

The average Lincoln resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

170

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

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Lincoln Car Insurance

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