Who Has Affordable Car Insurance Quotes for Drivers Over Age 70 in Lincoln?

For older drivers, one of the largest factors that help determine the price you pay for insurance is your zip code in Lincoln. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The information below sorts the most expensive areas in Nebraska for drivers over age 70 in which to buy car insurance. Lincoln shows up at #24 with an annual premium of $1,106 for the average policyholder, which is approximately $92 per month.

How much does car insurance cost in Lincoln, NE?
Rank City Premium Per Year
1 Scottsbluff $1,360
2 Gering $1,343
3 Alliance $1,340
4 North Platte $1,301
5 McCook $1,279
6 Lexington $1,264
7 South Sioux City $1,251
8 Kearney $1,236
9 Blair $1,236
10 Beatrice $1,222
11 Omaha $1,220
12 Seward $1,215
13 Nebraska City $1,212
14 Crete $1,210
15 Hastings $1,193
16 York $1,191
17 Bellevue $1,179
18 Fremont $1,177
19 Grand Island $1,158
20 Columbus $1,150
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Information shown are approximated as zip code location can influence coverage prices noticeably.

The vehicle that needs insurance is a large factor when quoting low-cost coverage for drivers over age 70. Vehicles with more horsepower, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The data below shows car insurance costs for the cheapest automobiles to insure in Nebraska.

Cheapest Vehicles to Insure in Lincoln, NE
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 2WD $950
Hyundai Elantra GLS Touring Station Wagon $960
Honda CR-V EX-L 2WD $966
Jeep Wrangler Sport 4WD 2-Dr $994
Toyota Prius $1,040
Ford F-150 XL Regular Cab 4WD $1,068
Dodge Grand Caravan CV $1,078
Volkswagen Jetta SE 2.5 Station Wagon $1,098
Chevrolet Impala LS $1,112
Toyota Camry LE $1,128
Jeep Grand Cherokee Laredo 4WD $1,137
Chevrolet Equinox LS AWD $1,128
Toyota RAV4 Sport 4WD $1,136
Ford Explorer Eddie Bauer 4WD $1,142
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,149
Chevrolet Malibu LT $1,142
Honda Civic EX 4-Dr Sedan $1,170
Ford Focus SES 4-Dr Sedan $1,179
Honda Odyssey EX-L W/Rear Entertainment $1,186
Toyota Corolla S $1,196
Ford Edge Limited AWD $1,186
Ford Fusion SEL 4-Dr Sedan $1,200
GMC Sierra SLT Extended Cab 4WD $1,205
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Data assumes single male driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in specific zip code location which can impact rates substantially.

Looking at the numbers, cars like the Ford Escape, Hyundai Elantra, Honda CR-V, Jeep Wrangler, and Toyota Prius are most likely going to be a few of the less-costly vehicles to insure for older drivers. The price for car insurance will be more costly just because there is more risk for drivers over age 70, but in general those specific models will have the cheapest car insurance rates compared to other types of vehicles.

The diagram below demonstrates how deductibles can affect insurance costs when getting quotes for cheap insurance for drivers over age 70. Data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $322 a year by increasing from a $100 deductible to a $500 deductible, or save $484 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could roll back prices up to $824 every year just by using higher deductibles.

If you do raise deductibles, it is a good idea to have enough savings set aside to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Choosing the highest-rated auto insurance company can be challenging considering how many companies there are in Nebraska. The ranking data shown next could help you analyze which car insurance companies you want to consider when insurance shopping for drivers over age 70.

The ratings below only include companies that insure vehicles across America, so companies without a large exposure are not factored into these rankings. If you’d like to compare prices and find the cheapest rates for drivers over age 70, click here.

Top 10 Major Auto Insurers in Lincoln Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Nationwide – A+
  6. Esurance – A+
  7. The Hartford – A+
  8. Progressive – A+
  9. Allstate – A+
  10. The General – A-

Top 10 Major Auto Insurers Overall in Lincoln

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

How to find budget-friendly auto insurance for drivers over age 70

It is possible to find better rates, and here are some money-saving suggestions that can help you buy cheap coverage.

That last idea is extremely significant, as we stressed in the article above. Car insurance prices fluctuate constantly, so drivers shouldn’t be resistant to change to a new company if a better rate can be found. Having brand loyalty is commendable, but we do not recommend it if that loyalty ends up costing hundreds of dollars year after year. It takes less than five minutes to compare rates to find cheaper car insurance for drivers over age 70 in Lincoln.

The insurance agencies below can most likely help you determine which coverage fits your budget, as many consumers aren’t sure which coverage to buy and prefer to get some guidance when comparing insurance rates for drivers over age 70. It can be time-consuming to find the cheapest auto insurance company, and getting advice from a licensed Nebraska insurance agent can provide you peace of mind knowing your policy gives you adequate coverage when you need it most.

To find an agent nearest to you, click the button after the list.

Shelter Insurance – Richard Diers
4242 Cornhusker HwyLincoln, NE 68504(402) 464-9511

Union Agency Inc
4719 Prescott AveLincoln, NE 68506(402) 810-7582

Farmers Insurance – Ken Richards
3100 O St #3Lincoln, NE 68510(402) 420-5355

More insurance agents in Lincoln, NE