The type of vehicle to be insured is a large consideration when comparison shopping for the best car insurance for uninsured drivers. Vehicles with lots of speed or power, poor passenger safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models.
The next table presents auto insurance prices for some of the cheaper automobiles to insure in Nebraska.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $788 |
| Toyota Tacoma 4WD | $884 |
| Toyota RAV4 Limited 2WD | $934 |
| GMC Sierra SLE Regular Cab 2WD | $940 |
| Ford Escape Limited 4WD | $936 |
| Honda Accord EX-L 4-Dr Sedan | $943 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $944 |
| Ford Explorer Eddie Bauer AWD | $950 |
| Ford F-150 XL Super Cab 4WD | $964 |
| Toyota Prius | $986 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,000 |
| Jeep Grand Cherokee Limited 2WD | $1,010 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,012 |
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rates do not factor in zip code location which can affect coverage rates considerably.
Looking at the numbers, you can figure that makes and models like the Honda CR-V, Toyota Tacoma, Toyota RAV4, and GMC Sierra are likely to be the less-costly vehicles to insure for drivers with no prior coverage.
For drivers with no prior coverage, one of the big criteria that aid in calculating the amount you pay each year for auto insurance is where you keep your vehicle. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.
The information below lists the most costly cities in Nebraska for uninsured drivers to purchase a policy in. Lincoln is listed at #24 with a yearly premium of $1,095 for car insurance, which is about $91 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,374 |
| 2 | Gering | $1,357 |
| 3 | McCook | $1,318 |
| 4 | Alliance | $1,314 |
| 5 | North Platte | $1,288 |
| 6 | Beatrice | $1,272 |
| 7 | Omaha | $1,270 |
| 8 | Lexington | $1,264 |
| 9 | South Sioux City | $1,264 |
| 10 | Crete | $1,246 |
| 11 | Blair | $1,224 |
| 12 | Kearney | $1,200 |
| 13 | Nebraska City | $1,188 |
| 14 | Seward | $1,179 |
| 15 | Fremont | $1,177 |
| 16 | Hastings | $1,158 |
| 17 | Columbus | $1,150 |
| 18 | La Vista | $1,150 |
| 19 | Norfolk | $1,147 |
| 20 | York | $1,145 |
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Annual rates are estimated as vehicle location can affect prices considerably.
Deciphering which insurers offer the lowest-priced auto insurance rates for uninsured drivers involves a bit more effort in order to find coverage that fits your budget. Every insurance company has their own process for determining prices, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Lincoln, NE.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $788 |
| 2 | The Hartford | $839 |
| 3 | Allied | $911 |
| 4 | Auto-Owners | $923 |
| 5 | Farmers Mutual of Nebraska | $1,019 |
| 6 | Farm Bureau Mutual | $1,020 |
| 7 | Nationwide | $1,037 |
| 8 | State Farm | $1,043 |
| 9 | General Casualty | $1,092 |
| 10 | American National | $1,098 |
| 11 | USAA | $1,128 |
| 12 | American Family | $1,258 |
| 13 | MetLife | $1,280 |
| 14 | California Casualty | $1,296 |
| 15 | Iowa Mutual | $1,334 |
| 16 | GEICO | $1,348 |
| 17 | EMC | $1,354 |
| 18 | Progressive | $1,417 |
| 19 | Farmers | $1,650 |
| 20 | North Star | $1,710 |
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Safeco offers some of the lowest car insurance rates in Lincoln at around $788 each year. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska also make the cut as some of the lowest-priced Lincoln, NE insurance companies.
As the rates illustrate above, if you have coverage with Auto-Owners and switched to Safeco, you could realize an annual savings of approximately $135. Policyholders with Farmers Mutual of Nebraska may save as much as $231 a year, and Farm Bureau Mutual customers might realize rate reductions of up to $232 a year.
To find cheaper insurance rates for your vehicle, click here to get quotes or visit any of the low-priced companies below.
Be aware that those rates are averaged across all drivers and vehicles in Nebraska and are not factoring in a specific location for uninsured drivers. So the auto insurance company that fits you best may not even be in the top 24 companies shown above. That emphasizes why you need to get auto insurance quotes using your own driver data and vehicle information.
Discount Lincoln auto insurance rates
Insurance providers that offer quotes for uninsured drivers may provide special discounts that could potentially reduce rates by as much as 35% or more if you meet certain criteria. A list of companies and some of their more popular discounts include:
- Progressive policyholders can earn discounts including homeowner, online quote discount, multi-policy, multi-vehicle, online signing, and good student.
- Farmers Insurance offers premium reductions for distant student, bundle discounts, youthful driver, business and professional, pay in full, teen driver, and early shopping.
- Farm Bureau has discounts for renewal discount, multi-vehicle, multi-policy, 55 and retired, safe driver, good student, and youthful driver.
- State Farm offers discounts for anti-theft, Drive Safe & Save, student away at school, defensive driving training, passive restraint, and multiple policy.
- GEICO discounts include anti-theft, driver training, good student, membership and employees, emergency military deployment, and military active duty.
- SAFECO may include discounts for anti-theft, bundle discounts, safe driver, anti-lock brakes, homeowner, and multi-car.
- Liberty Mutual may have discounts that include hybrid vehicle, multi-car, good student, new move discount, multi-policy, and preferred payment discount.
The information below illustrates the comparison of insurance prices with and without discounts applied to the policy premium. The premiums assume a female driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, multiple policy, claim-free, marriage, accident-free, and multiple vehicle discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for uninsured drivers is 28% or $449.
How accidents and violations affect rates
The easiest method to snag the most affordable auto insurance rates in Lincoln for drivers with no prior coverage is to drive safely and avoid tickets and accidents. The diagram below illustrates how speeding tickets and accidents can drive up insurance prices for different categories of driver ages. The rates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.
The chart shows that the average cost of auto insurance in Nebraska per year with no accidents or violations is $2,144. Get written up for two speeding tickets and the average cost jumps to $2,841, an increase of $698 each year. Now include one accident along with the two speeding tickets and the 12-month cost of auto insurance for uninsured drivers increases to an average of $3,545. That’s an increase of $1,402, or $117 per month, just for not maintaining a clean driving record!
How to find cheaper car insurance for uninsured drivers
The list below details some money-saving ideas that can help drivers quote lower-cost auto insurance.
- Do not pay for full coverage on older vehicles
- Increase your deductibles
- Claim-free policyholders usually earn a discount
- Be a safe driver
- Being accident-free can lower rates significantly
- Compare rates regularly to ensure the best deal
The last suggestion is incredibly significant, as was noted in the article above. Auto insurance rates adjust frequently, so you should be ready to switch carriers if you can save money. Brand loyalty is great, but is isn’t recommended if that dedication is costing several hundred dollars every year. Spend a few minutes and shop around to find cheaper car insurance for uninsured drivers in Lincoln.
The insurance agencies below can most likely help you determine which car insurance policy is best, as many consumers aren’t sure which coverage to buy and prefer to have some advice when shopping around for cheaper insurance for drivers with no prior coverage. It can be difficult to find the cheapest auto insurance company, and getting professional guidance from a licensed agent can provide peace of mind knowing your policy gives you suitable coverage if you have an accident. To locate an agency close to you, click the button below the list or click here to compare price quotes.
- Rick Self – State Farm Insurance Agent
6030 Village Dr #101 – Lincoln, NE 68516 – (402) 434-2800 - Gary Thompson Agency, Inc.
4200 Lucile Dr a200 – Lincoln, NE 68506 – (402) 475-2609 - Brokers Insurance
3325 A St – Lincoln, NE 68510 – (402) 434-0480 - Forsyth Insurance Agency
1265 S Cotner Blvd #21 – Lincoln, NE 68510 – (402) 483-7861 - Cornhusker Insurance Agency
6100 Apples Way #110 – Lincoln, NE 68516 – (402) 436-2423