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 Average||State Average||National Average|
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 Score||Average Auto Insurance Rate|
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/Gender||Average Rate|
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/Violation||Average Annual Premium|
|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
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
McCashland, Kirby & Associates
8231 Northwoods Drive Lincoln, NE 68505
1701 K St Lincoln, NE 68508
Forsyth Insurance Agency, Inc.
1265 S Cotner Blvd, Ste 21 Lincoln, NE 68510
All American Insurance, Inc.
6128 Havelock Ave. Lincoln, NE 68507
Cornhusker Insurance Agency
5701 S 34th St Lincoln, NE 68516
Alliance Insurance Group of Lincoln
7501 O St Ste 101 Lincoln, NE 68510
Nebraska Bankers Insurance & Services Co.
233 South 13th Street Lincoln, NE 68508
Solid Ground Insurance LLC
6000 S 58th St Suite C Lincoln, NE 68516
5700 Village Blvd Lincoln, NE 68516
Barney Insurance of Lincoln
707 N. 48th St. Lincoln, NE 68504
MRH Insurance Group, Inc.
9200 Andermatt Dr Lincoln, NE 68526
The Home Agency
128 N 13TH ST LINCOLN, NE 68508
Union Agency, Inc.
4719 Prescott Ave Lincoln, NE 68506
The Harry A Koch Co
233 S 13th Lincoln, NE 68508
Cornhusker Insurance Agency
1101 Cornhusker Highway Lincoln, NE 68521
Copple Insurance Agency Inc
1640 L Street, Ste A Lincoln, NE 68508
Mid-Alliance Insurance Associates LLC
5600 S 48th St Suite 114 Lincoln, NE 68516
AMS Insurance Center
120 S. 29th Lincoln, NE 68510
Security First Insurance
3300 S 10th Lincoln, NE 68502
Robert Rung Insurance Agency
5620 NW Fairway Rd Lincoln, NE 68521
Aon Risk Services Inc of NE
5000 Central Park Dr Lincoln, NE 68504
NSURE Agency Incorporated
1040 N. Cotner Blvd. Lincoln, NE 68505
Gene Lilly Surety Bonds, Inc.
735 S 56Th St Lincoln, NE 68510
Zimmer Insurance Group
3230 S 13th St Lincoln, NE 68502
Gary Thompson Agency, Inc.
300 N 27th St Lincoln, NE 68503
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Lincoln Car Insurance
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