How to find the cheapest car insurance quotes in Lincoln
With plenty of car insurance companies to choose from, finding one that meets your needs and budget can be tricky. That’s why it’s important to shop around and compare car insurance quotes before committing to a policy so you can guarantee you’re not overpaying.
With Jerry, finding cheap auto insurance is easy. Jerry is an app that helps Lincoln drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free! customers.
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Insurance Company
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Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $138 | 26 | 68503 | Ford Taurus Limited | State Minimum | No |
| Progressive | $93 | 24 | 68516 | Kia Forte | State Minimum | No |
| Progressive | $74 | 36 | 68502 | Ford Escape Se | State Minimum | Yes |
| The General | $106 | 51 | 68505 | Chevrolet K1500 Suburban Lt | State Minimum | No |
| Dairyland | $358 | 34 | 68503 | Chrysler 300 Touring | State Minimum | Yes |
Best car insurance companies in Lincoln
Jerry conducted a national insurance survey to uncover the top providers for drivers.
Study results showed no “best” or “cheapest” insurance provider for all drivers in Lincoln. Every insurance company uses different algorithms to calculate rates, so premiums for the same driver can be vastly different between providers.
In Lincoln, customers rated Dairyland, Progressive, and ROOT the highest for customer satisfaction, claims processing, and policy cost, but Clearcover, Safeco, and State Farm also scored well.
Here’s what Lincoln drivers have to say about these insurance providers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.2 | 4 | 4.8 | 4.3 |
| State Farm | 4 | N/A | N/A | |
| Liberty Mutual | 3.3 | N/A | N/A | |
| Dairyland | 4.4 | 4 | N/A | 4.4 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Lincoln
Nebraska state requires its drivers to carry minimum coverage car insurance before getting behind the wheel of a car. That means you must purchase liability coverage and uninsured/underinsured motorist coverage (UM/UIM) in Lincoln.
If you’re looking for more financial protection, you can also choose to purchase full-coverage auto insurance that covers collision and non-collision incidents.
Cheap minimum liability insurance quotes in Lincoln
Nebraska’s car insurance laws require drivers to carry minimum liability insurance that follows a 25/50/25 pattern.
Here’s what drivers are required to have:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Before registering your vehicle, you must meet these requirements.
Buying a policy that meets the minimum state limits is generally the cheapest option for car insurance, but if you’re not convinced, comparing quotes is the way to go.
Do you need more than minimum coverage in Lincoln?
Being involved in an accident is already a source of stress, but it can also create significant financial burdens. Nebraska law mandates drivers to carry liability insurance and UM/UIM coverage that meets the minimum requirements. The bills resulting from an accident, however, often exceed these state minimums.
While meeting the 25/50/25 rule might appear sufficient, it’s a good idea to purchase insurance coverage that surpasses the minimums set by the state. Drivers in Lincoln should consider increasing their coverage by opting for a policy that offers limits of 50/100/50 or higher.
Cheap full coverage car insurance quotes in Lincoln
When it comes to protecting yourself in case of an accident, liability insurance alone isn’t enough—it only covers damages to others. This is where a full-coverage auto insurance policy comes into play. Opting for full coverage is one of the best ways to protect yourself against vehicle repair or replacement costs.
In Lincoln, a full coverage policy includes liability coverage and UM/UIM, as well as comprehensive and collision coverage:
- Collision insurance pays for the costs to repair your vehicle or the fair market value of your car if it’s deemed a total loss. Keep in mind that collision coverage requires you to pay a deductible.
- Comprehensive insurance covers the cost of damages to your car resulting from almost everything except a collision. It covers scenarios like theft, vandalism, falling objects, glass breakage, or animal damage. Comprehensive coverage also has a deductible.
If you’re leasing your vehicle, lenders in Lincoln will require you to have a full-coverage policy that includes both collision and comprehensive coverage.
Even if you don’t lease your car, having a full coverage policy can be highly advantageous for drivers in Lincoln—and Jerry can assist you in finding the best rate for the best coverage.
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Insurance Company
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Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $74 | 36 | 68502 | Ford Escape Se | State Minimum | Yes |
| Dairyland | $358 | 34 | 68503 | Chrysler 300 Touring | State Minimum | Yes |
| Progressive | $241 | 26 | 68521 | Hyundai Elantra Se | State Minimum | Yes |
| Progressive | $280 | 27 | 68503 | Hyundai Santa Fe Sport | State Minimum | Yes |
| Progressive | $334 | 53 | 68504 | Kia Forte Lx | 100/300 | Yes |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Lincoln
After analyzing scores of insurance providers in Lincoln, we have discovered that the average price for minimum liability coverage amounts to be $88 per month or $1,056 per year. Additionally, residents of Lincoln can expect to pay an average of $152 per month or $1,818 per year for full coverage insurance.
While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Average cost of car insurance in Lincoln by zip code
Where you live can also impact your insurance premium—right down to your zip code. Insurance companies consider factors like population density, accident rates, crime statistics, and local weather conditions when calculating your premium.
Insurance companies consider factors such as population density, crime rates, traffic congestion, weather, and the frequency of accidents in a particular area.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 68502 | $72 | $119 |
| 68503 | $64 | $119 |
| 68504 | $43 | $110 |
| 68507 | $78 | $157 |
| 68508 | $67 | $128 |
| 68510 | $62 | $173 |
| 68512 | $60 | $133 |
| 68516 | $33 | $127 |
| 68521 | $50 | $116 |
| 68524 | $53 | $277 |
| 68528 | $65 | $141 |
Car insurance quotes in Lincoln by rating factors
Insurance companies in Lincoln use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
Cheap car insurance quotes in Lincoln after driving violations
Whether you’re responsible for a minor collision or you’ve been caught racing with a friend, driving infractions can significantly impact your car insurance premiums.
Insurers in Lincoln carefully monitor your driving record, as they’re cautious about insuring high-risk drivers. Such drivers are at higher risk of submitting claims, which would result in substantial payouts.
Cheapest car insurance in Lincoln after DUI
As with most states, the DUI laws in Nebraska are pretty strict. The minimum fine for a DUI is $400 but the penalties can escalate depending on your blood alcohol content (BAC). In Lincoln, the following penalties may be imposed:
- Mandatory completion of an alcohol treatment program
- Community service
- Jail time
- License suspension
Having a DUI on your driving record categorizes you as a “high-risk driver,” which raises concerns for insurance companies. As a result, your insurance premium will significantly increase until the DUI is expunged from your record—assuming that it’s possible to clear it.
Cheapest car insurance in Lincoln after an at-fault accident
Having a driving record filled with at-fault accidents signals to insurance companies that you are a less cautious driver, classifying you as high risk. As a result, your insurance premium is likely to be higher than average.
To avoid spending excessively due to minor accidents, there are simple strategies to obtain the cheapest rates, including utilizing available discounts and working to maintain a clean driving record.
When it comes to finding inexpensive car insurance in Lincoln following an accident, one of the easiest approaches is to shop with Jerry. See how Jerry has helped Lincoln drivers secure affordable quotes, even with accidents on record.
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Accident Type
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Insurance Company
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Premium (monthly)
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Age
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Zip Code
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Car
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Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Progressive | $93 | 24 | 68516 | Kia Forte | State Minimum | No |
| At Fault With No Injury | Progressive | $241 | 26 | 68521 | Hyundai Elantra Se | State Minimum | Yes |
| At Fault With No Injury | Progressive | $74 | 29 | 68504 | Dodge Durango Sxt | State Minimum | No |
| Not At Fault | Progressive | $280 | 27 | 68503 | Hyundai Santa Fe Sport | State Minimum | Yes |
| Not At Fault | Dairyland | $101 | 53 | 68521 | Mercury Milan Premier | State Minimum | No |
Cheapest car insurance in Lincoln after other driving violations
A DUI or speeding ticket can lead to a spike in car insurance rates for Lincoln drivers. Take note, however, that it’s not just major violations that cause increases. Failing to stop at a stop sign, driving without insurance, or driving without a license are all violations that can increase premiums.
Check out some examples of how Jerry helped drivers with violations find affordable insurance in Lincoln.
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Violation
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Insurance Company
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Premium (monthly)
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Age
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Zip Code
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Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Careless Driving | Progressive | $74 | 29 | 68504 | Dodge Durango Sxt | State Minimum | No |
| DUI | Progressive | $90 | 26 | 68528 | Hyundai Sonata Sport | 50/100 | No |
| Other Minor | Progressive | $107 | 44 | 68521 | Lexus Rx 350 | State Minimum | No |
| Following too Closely | Progressive | $50 | 29 | 68522 | Chevrolet Cruze Lt | 100/300 | No |
| DUI | Progressive | $139 | 32 | 68504 | Ford Focus Se | State Minimum | No |
Cheap car insurance quotes in Lincoln by age
Young drivers between the ages of 16 and 19 face some of the highest insurance rates due to their lack of driving experience. Premiums usually decrease after the age of 25 but rise again in your mid-70s due to slower reflexes and increased injury risk in an accident.
If you’re seeking the most affordable rates regardless of age, USAA, Farmers Mutual of Nebraska, State Farm, North Star Mutual, and Progressive are top choices in Lincoln. To find the best deal for your needs, it’s wise to shop around.
Cheapest car insurance in Lincoln for young drivers
Teen drivers between the ages of 16 and 19 face the highest insurance rates compared to any other age group in Lincoln. This is primarily due to their limited experience on the road, which increases the likelihood of being involved in accidents and subsequently raises their insurance premiums.
When you drive with a Nebraska provisional license, you may notice slightly lower insurance risk as you are only allowed to drive under specific conditions. Once you obtain an unrestricted license, however, expect your rates to increase.
Fortunately, there are measures you can take to reduce your premiums. Completing a defensive driving course or maintaining a B+ average may qualify you for discounts with certain insurance providers. Being added as a driver to a parent or guardian’s policy can also help save money.
Due to the elevated risk associated with new and young drivers, we recommend that individuals under 19 consider purchasing a full-coverage policy to ensure greater financial protection in Lincoln.
Cheapest car insurance in Lincoln for senior drivers
Despite having significantly more driving experience compared to teenagers, senior drivers often face high car insurance rates. Higher rates for seniors stem from their increased vulnerability and higher risk of mortality, hospitalization, and medical expenses if they are involved in an accident. Slower reflexes among seniors also contribute to higher accident risk.
Since these higher risks can lead to increased costs for insurers, seniors typically pay higher premiums.
You can find the best insurance for seniors in Lincoln when you shop with Jerry.
Cheap car insurance quotes in Lincoln based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any lapses in coverage.
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status.
Cheap car insurance quotes in Lincoln for drivers with poor credit
While having a low credit score doesn’t necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.
As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
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Credit Score
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Insurance Company
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Monthly Quote
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Age
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Zip Code
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Car Make Model Trim
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Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Progressive | $93 | 24 | 68516 | Kia Forte | State Minimum | No |
| 550-659 | Progressive | $74 | 36 | 68502 | Ford Escape Se | State Minimum | Yes |
| 550-659 | The General | $106 | 51 | 68505 | Chevrolet K1500 Suburban Lt | State Minimum | No |
| <550 | Dairyland | $358 | 34 | 68503 | Chrysler 300 Touring | State Minimum | Yes |
| 550-659 | Progressive | $241 | 26 | 68521 | Hyundai Elantra Se | State Minimum | Yes |
Cheap car insurance quotes in Lincoln for popular cars
The make and model of your vehicle significantly impact your car insurance costs. Luxury vehicles such as Bentley or Lamborghini, with price tags exceeding $150,000, come with higher insurance bills compared to safety-oriented vehicles like the Toyota Corolla or Honda Odyssey.
Generally, the more expensive your car is, the higher your insurance premium will be. Other car-related factors that can increase insurance rates include:
- Repair or replacement costs
- Likelihood of theft
- Safety rating
Popular car models in Lincoln include:
- Ford F-150
- Ram 1500
- Chevrolet Malibu
- Chevrolet Silverado
- GMC Sierra
- Jeep Grand Cherokee
Choosing a car with solid reliability, lower repair costs, and a modest price tag can help keep your premiums low.
Learn more: How to get car insurance before buying a car
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Popular Car
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Insurance Company
|
Premium (monthly)
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Age
|
Zip Code
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Jeep Grand Cherokee Lared | Progressive | $110 | 47 | 68506 | State Minimum | No |
| Chevrolet Malibu 2Lt | Dairyland | $101 | 55 | 68516 | State Minimum | No |
| Gmc Sierra C1500 | Dairyland | $83 | 42 | 68504 | State Minimum | No |
| Chevrolet Malibu Ls | Bristol West | $188 | 22 | 68502 | State Minimum | No |
| Ram 1500 Slt | National General | $216 | 24 | 68506 | State Minimum | Yes |
How to lower car insurance costs in Lincoln
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
