How Much is Auto Insurance for Government Employees in Lincoln?

Buying cheap car insurance is confusing at best, and deciding which companies have the most affordable auto insurance rates for government employees involves even more shopping around.

Each company uses slightly different criteria to set their prices, so let’s begin by examining the most competitive auto insurance companies in Lincoln, NE.

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Nebraska auto insurance company rankings
Rank Company Cost Per Year
1 Safeco $804
2 The Hartford $839
3 Allied $921
4 Auto-Owners $932
5 Nationwide $1,007
6 Farmers Mutual of Nebraska $1,019
7 Farm Bureau Mutual $1,020
8 American National $1,054
9 State Farm $1,075
10 General Casualty $1,114
11 USAA $1,116
12 California Casualty $1,270
13 American Family $1,284
14 EMC $1,300
15 GEICO $1,308
16 MetLife $1,319
17 Iowa Mutual $1,334
18 Progressive $1,402
19 Farmers $1,602
20 North Star $1,693
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Safeco quotes some of the best car insurance rates in Lincoln at around $804 per year. This is $512 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Nationwide also make the cut as some of the best Lincoln, NE car insurance companies.

As shown in the rates above, if you buy coverage from The Hartford and switched to Safeco, you might see an annual savings of roughly $35. Customers with Allied may save as much as $117 a year, and Auto-Owners policyholders might reduce prices by as much as $128 a year.

Be aware that those premium estimates are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact zip code location for government employees. So the company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That’s why you need to get quotes using your own driver information and specific vehicle type.

For state and federal workers, one of the more important criteria that help determine the amount you pay for auto insurance is where you normally keep your vehicle 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 less people or fewer weather incidents profit from lower rates.

The illustration below shows the most expensive cities in Nebraska for government employees to buy auto insurance in. Lincoln is listed at #24 with an annual cost of $1,095 for car insurance, which is approximately $91 monthly.

How much does auto insurance cost in Lincoln?
Rank City Premium Per Year
1 Scottsbluff $1,360
2 Gering $1,357
3 Alliance $1,314
4 McCook $1,292
5 Lexington $1,264
6 Beatrice $1,259
7 South Sioux City $1,251
8 North Platte $1,250
9 Kearney $1,236
10 Omaha $1,233
11 Crete $1,198
12 Blair $1,188
13 Nebraska City $1,188
14 Seward $1,179
15 Bellevue $1,179
16 Columbus $1,174
17 Fremont $1,166
18 La Vista $1,162
19 Grand Island $1,158
20 York $1,156
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Price information shown is estimated as specific Lincoln garaging address can modify rates noticeably.

The vehicle model you are seeking coverage for is one of the largest considerations when comparing quotes for the best coverage for government employees. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.

The table below outlines insurance costs for a number of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Lincoln, NE
Vehicle Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $788
Honda Accord LX-P 4-Dr Sedan $793
Ford Escape XLS 4WD $860
Ford F-150 STX Super Cab 2WD $866
Honda CR-V EX-L 4WD $912
Ford Focus S 4-Dr Sedan $916
Toyota Prius $956
Dodge Grand Caravan CV $964
Chevrolet Impala LTZ $984
Ford Edge Sport AWD $992
Toyota Tacoma X-Runner 2WD $984
Hyundai Sonata GLS 4-Dr Sedan $1,000
Chevrolet Equinox LS 2WD $1,020
Volkswagen Jetta SE 2.5 Station Wagon $1,034
Chevrolet Malibu Hybrid $1,052
Chevrolet Silverado LT Extended Cab 4WD $1,061
Toyota RAV4 2WD $1,052
Jeep Grand Cherokee Laredo 2WD $1,059
Honda Civic EX 4-Dr Sedan $1,056
Toyota Camry Hybrid $1,066
Kia Optima EX $1,072
Ford Explorer Eddie Bauer AWD $1,076
Toyota Camry SE $1,084
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in zip code location which can decrease or increase coverage rates considerably.

Based upon the rates shown, we can tell that cars like the Hyundai Elantra, Honda Accord, and Ford Escape will definitely be some of the most affordable vehicles to insure for state and federal workers.

Driving violations and accidents

The best way to snag the best auto insurance rates for state and federal workers is to pay attention while driving and maintain a clean driving record. The information below highlights how speeding tickets and at-fault fender-benders can impact yearly insurance costs for different ages of insureds. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

In the prior example, the average cost of a car insurance policy per year with no violations or accidents is $1,492. Factor in two speeding tickets and the average cost hikes up to $2,061, an increase of $569 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for government employees jumps again to an average of $4,069. That’s an increase of $2,577, or $215 per month, just for not being more responsible behind the wheel!

Get discounts on Lincoln car insurance rates

Auto insurance for state and federal workers in Lincoln, NEAuto insurance companies that offer cheap quotes for government employees may additionally offer premium discounts that could potentially reduce rates by 35% or more if you meet certain criteria. A few popular companies and some of the discounts are shown below.

The information below visualizes the comparison of insurance prices with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, anti-theft, multiple vehicle, defensive driving course, passive restraint, and vehicle safety discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for government employees is 27% or $449.

Liability rates compared to full coverage

Saving money when shopping for auto insurance should be important to the majority of drivers, and a great way to find cheaper insurance for government employees is to not insure for full coverage. The example below shows the comparison of auto insurance costs when comparing full coverage to liability only. The information is based on no claims or driving citations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

On average, physical damage coverage costs an additional $1,722 per year more than just insuring for liability. That is a large expense and it proposes the question when is it a good idea to stop buying full coverage. There is no definitive formula to exclude full coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

If you prefer to get some professional advice when trying to find lower insurance rates for government employees, the professional agents shown below are willing to help you decide which policy fits your needs best.

To find a Lincoln insurance agency nearest to you, click the button following the list or click here to compare rates now.

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

American Family Insurance – Linde Matthiesen
245 S 84th St #117Lincoln, NE 68510(402) 489-7799

Midwest Regional Agency
201 S 84th StLincoln, NE 68510(800) 873-9713

Zimmer Insurance Group
3230 S 13th StLincoln, NE 68502(402) 423-6262

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