Average car insurance cost in Lincoln
Full coverage car insurance in Lincoln costs an average of $1,927 per year, or $161 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $440 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $963 |
| Average annual premium | $1,927 |
| State minimum premium | $440 |
Cheapest car insurance companies in Lincoln
Auto-Owners offers the cheapest full coverage car insurance in Lincoln at $1,613 per year. Farmers Mutual of Nebraska has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Lincoln.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Auto-Owners | $806 | $1,613 |
| Farmers Mutual of Nebraska | $811 | $1,622 |
| GEICO | $825 | $1,651 |
| Shelter Insurance | $1,076 | $2,153 |
| Progressive | $1,159 | $2,318 |
| Allstate | $1,236 | $2,473 |
| Iowa Farm Bureau | $1,938 | $3,875 |
| USAA | $765 | $1,531 |
Cheapest car insurance cost in Lincoln by age group
Car insurance prices in Lincoln differ by age because insurers consider how driving experience impacts expected accident risk. Farmers Mutual of Nebraska is the cheapest company for teens, Farmers Mutual of Nebraska for young adults, Farmers Mutual of Nebraska for adults, and Farmers Mutual of Nebraska for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in Lincoln by age below:.
- Cheapest for teens: Farmers Mutual of Nebraska
- Cheapest for young adults: Farmers Mutual of Nebraska
- Cheapest for adults: Farmers Mutual of Nebraska
- Cheapest for seniors: Farmers Mutual of Nebraska
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Farmers Mutual of Nebraska offers the cheapest car insurance for teens at $3,221 per year.
For young adults, Farmers Mutual of Nebraska offers the lowest average rate at $2,103 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
Farmers Mutual of Nebraska is the least expensive insurer for adult drivers in Lincoln, with an average annual premium of $1,553. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from Farmers Mutual of Nebraska at $1,440 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $3,221 | $2,103 | $1,553 | $1,440 |
| Auto-Owners | $4,959 | $2,936 | $1,641 | $1,698 |
| GEICO | $6,004 | $2,614 | $1,654 | $1,918 |
| Shelter Insurance | $6,801 | $4,082 | $2,207 | $2,000 |
| Progressive | $10,214 | $3,790 | $2,316 | $1,815 |
| Allstate | $7,259 | $3,802 | $2,549 | $2,437 |
| Iowa Farm Bureau | $10,232 | $6,130 | $4,069 | $3,466 |
| USAA | $5,582 | $2,643 | $1,558 | $1,503 |
Cheapest car insurance companies in Lincoln by driver profile
The cheapest car insurance company in Lincoln depends on the driver's record and credit profile. Auto-Owners is cheapest after an at-fault accident, Progressive after a DUI, and GEICO after a speeding ticket. Comparing insurers is especially important after a violation.
Below are some of the cheapest car insurance companies in Lincoln by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: Auto-Owners
- Cheapest for a DUI: Progressive
- Cheapest for a driver with a speeding ticket: GEICO
Cheapest for a driver with poor credit: GEICO
Drivers with poor credit in Lincoln can find the lowest average car insurance rate from GEICO at $2,421 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Lincoln.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,210 | $2,421 |
| Allstate | $1,903 | $3,806 |
| Progressive | $1,913 | $3,826 |
| Auto-Owners | $2,356 | $4,712 |
| USAA | $1,337 | $2,673 |
Cheapest auto insurance after an at-fault accident: Auto-Owners
After an at-fault accident, Auto-Owners has the cheapest average car insurance in Lincoln at $2,439 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Lincoln.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Auto-Owners | $1,220 | $2,439 |
| GEICO | $1,711 | $3,422 |
| Allstate | $1,800 | $3,601 |
| Progressive | $2,002 | $4,005 |
| USAA | $1,140 | $2,280 |
Cheapest auto insurance after a DUI: Progressive
Progressive offers the cheapest average car insurance after a first-offense DUI/DWI in Lincoln, with a rate of $2,796 per year. A DUI will cause a major premium increase because insurers classify the driver as a higher risk, but shopping around can help you find lower rates.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Lincoln.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $1,398 | $2,796 |
| Auto-Owners | $1,599 | $3,198 |
| Allstate | $1,647 | $3,293 |
| GEICO | $2,753 | $5,507 |
| USAA | $1,585 | $3,170 |
Cheapest for drivers with a speeding ticket: GEICO
GEICO offers the cheapest car insurance at $1,779 in Lincoln for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies offering cheap auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $890 | $1,779 |
| Auto-Owners | $1,265 | $2,530 |
| Allstate | $1,371 | $2,741 |
| Progressive | $1,661 | $3,322 |
| USAA | $953 | $1,906 |
Car insurance discounts for Lincoln drivers
The largest available car insurance discount in Lincoln is Student Away At School, which provides average savings of 47% through GEICO. Savings and eligibility vary by insurer, but drivers may also qualify for safe-driving, good-student, bundling, vehicle-safety, and payment-related discounts.
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Here are some of the car insurance discounts insurers offer to Lincoln drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | GEICO | $2,859 | $2,842 | 1% | $17 |
| Anti-Theft Device | Auto-Owners | $1,638 | $1,618 | 1% | $21 |
| Anti-Theft Device | GEICO | $2,859 | $2,813 | 2% | $46 |
| Comp and Coll Deductibles | Auto-Owners | $1,638 | $1,470 | 10% | $169 |
| Comp and Coll Deductibles | Farmers Mutual of Nebraska | $1,605 | $1,577 | 2% | $28 |
| Comp and Coll Deductibles | Shelter Insurance | $2,346 | $2,058 | 12% | $288 |
| Comp and Coll Deductibles | Progressive | $2,515 | $2,091 | 17% | $423 |
| Comp and Coll Deductibles | Allstate | $2,824 | $2,413 | 15% | $412 |
| Comp and Coll Deductibles | GEICO | $2,859 | $2,476 | 13% | $383 |
| Comp and Coll Deductibles | Iowa Farm Bureau | $4,829 | $4,009 | 17% | $820 |
| Daily Commute | Auto-Owners | $1,638 | $1,507 | 8% | $131 |
| Daily Commute | GEICO | $2,859 | $2,691 | 6% | $168 |
| Daily Commute | Iowa Farm Bureau | $4,829 | $4,521 | 6% | $308 |
| Days Advanced Purchase | Auto-Owners | $1,638 | $1,516 | 7% | $122 |
| Days Advanced Purchase | Shelter Insurance | $2,346 | $2,184 | 7% | $162 |
| Days Advanced Purchase | Progressive | $2,515 | $2,484 | 1% | $30 |
| Days Advanced Purchase | Allstate | $2,824 | $2,529 | 10% | $296 |
| Days Per Week Driven | GEICO | $2,859 | $2,691 | 6% | $168 |
| Education | Progressive | $2,515 | $2,456 | 2% | $59 |
| Education | GEICO | $2,859 | $2,586 | 10% | $274 |
| Electronic Funds Transfer | Allstate | $2,824 | $2,751 | 3% | $74 |
| Homeowner | Auto-Owners | $1,638 | $1,525 | 7% | $114 |
| Homeowner | Progressive | $2,515 | $2,465 | 2% | $50 |
| Homeowner | Allstate | $2,824 | $2,794 | 1% | $31 |
| Lower Annual Mileage | Shelter Insurance | $2,346 | $2,187 | 7% | $159 |
| Lower Annual Mileage | Progressive | $2,515 | $2,381 | 5% | $134 |
| Lower Annual Mileage | Allstate | $2,824 | $2,633 | 7% | $192 |
| Loyalty - Years Renewal With Company | Farmers Mutual of Nebraska | $1,605 | $1,530 | 5% | $75 |
| Loyalty - Years Renewal With Company | Shelter Insurance | $2,346 | $2,253 | 4% | $93 |
| Loyalty - Years Renewal With Company | Progressive | $2,515 | $2,433 | 3% | $82 |
| Loyalty - Years Renewal With Company | Iowa Farm Bureau | $4,829 | $4,357 | 10% | $472 |
| Marital Status | Farmers Mutual of Nebraska | $1,605 | $1,493 | 7% | $112 |
| Marital Status | Progressive | $2,515 | $2,111 | 16% | $403 |
| Marital Status | Shelter Insurance | $2,346 | $2,276 | 3% | $70 |
| Marital Status | Allstate | $2,824 | $2,748 | 3% | $77 |
| Marital Status | Iowa Farm Bureau | $4,829 | $4,455 | 8% | $374 |
| Multi Policy | Farmers Mutual of Nebraska | $1,605 | $1,483 | 8% | $122 |
| Multi Policy | Auto-Owners | $1,638 | $1,511 | 8% | $127 |
| Multi Policy | Shelter Insurance | $2,346 | $2,302 | 2% | $45 |
| Multi Policy | Progressive | $2,515 | $2,386 | 5% | $128 |
| Multi Policy | Allstate | $2,824 | $2,609 | 8% | $216 |
| Multi Policy | GEICO | $2,859 | $2,736 | 4% | $123 |
| Multi Policy | Iowa Farm Bureau | $4,829 | $4,519 | 6% | $310 |
| Paperless/Electornic Documents | Progressive | $2,515 | $2,490 | 1% | $25 |
| Paperless/Electornic Documents | Allstate | $2,824 | $2,701 | 4% | $123 |
| Payment Type | Auto-Owners | $1,638 | $1,442 | 12% | $196 |
| Payment Type | Farmers Mutual of Nebraska | $1,605 | $1,477 | 8% | $128 |
| Payment Type | Shelter Insurance | $2,346 | $2,065 | 12% | $281 |
| Payment Type | Allstate | $2,824 | $2,358 | 17% | $466 |
| Payment Type | Iowa Farm Bureau | $4,829 | $4,346 | 10% | $483 |
| Primary Use | Auto-Owners | $1,638 | $1,402 | 14% | $236 |
| Primary Use | Farmers Mutual of Nebraska | $1,605 | $1,566 | 2% | $39 |
| Primary Use | Shelter Insurance | $2,346 | $1,713 | 27% | $634 |
| Primary Use | Progressive | $2,515 | $2,430 | 3% | $85 |
| Primary Use | Allstate | $2,824 | $2,636 | 7% | $189 |
| Primary Use | GEICO | $2,859 | $2,691 | 6% | $168 |
| Primary Use | Iowa Farm Bureau | $4,829 | $4,118 | 15% | $711 |
| Profession | Progressive | $2,515 | $2,095 | 17% | $419 |
| Profession | GEICO | $2,859 | $2,582 | 10% | $277 |
| Safety Devices | Auto-Owners | $1,638 | $1,576 | 4% | $63 |
| Safety Devices | Allstate | $2,824 | $2,636 | 7% | $189 |
| Safety Devices | GEICO | $2,859 | $2,797 | 2% | $62 |
| Telematics | Progressive | $2,515 | $2,138 | 15% | $376 |
| Telematics | Iowa Farm Bureau | $4,829 | $4,360 | 10% | $469 |
| Years Insured | Auto-Owners | $1,638 | $1,361 | 17% | $277 |
| Years Insured | Shelter Insurance | $2,346 | $1,887 | 20% | $459 |
| Years Insured | Allstate | $2,824 | $1,920 | 32% | $905 |
| Years Insured | Progressive | $2,515 | $2,251 | 10% | $263 |
| Years Insured | Iowa Farm Bureau | $4,829 | $2,770 | 43% | $2,059 |
| Anti-Theft Device | USAA | $1,797 | $1,719 | 4% | $78 |
| Days Advanced Purchase | USAA | $1,797 | $1,703 | 5% | $94 |
| Electronic Funds Transfer | USAA | $1,797 | $1,745 | 3% | $51 |
| Lower Annual Mileage | USAA | $1,797 | $1,694 | 6% | $103 |
| Loyalty - Years Renewal With Company | USAA | $1,797 | $1,709 | 5% | $88 |
| Marital Status | USAA | $1,797 | $1,585 | 12% | $212 |
| Multi Policy | USAA | $1,797 | $1,739 | 3% | $58 |
| Primary Use | USAA | $1,797 | $1,534 | 15% | $263 |
| Safety Devices | USAA | $1,797 | $1,774 | 1% | $23 |
| Years Insured | USAA | $1,797 | $1,709 | 5% | $87 |
How to get cheap car insurance in Lincoln in 2026
To find cheap car insurance in Lincoln in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Lincoln by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Lincoln.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Lincoln
How much does car insurance cost in Lincoln?
Car insurance costs an average of $1,927 per year or about $161 per month for full coverage in Lincoln. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in NE?
No, you don't legally need full coverage in NE, but you will be required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Lincoln?
You can reduce your car insurance costs in Lincoln by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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