Who Has Cheap Auto Insurance Rates for Immigrants in Lincoln?

The car, truck, or SUV to be insured is one of the largest considerations when trying to find the lowest-priced car insurance for immigrants. Vehicles with economical engines, a plethora of safety features, or a positive history of liability claims will cost significantly less to insure than higher performance models.

The information below ranks coverage costs for a selection of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Lincoln, NE
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 4WD $806
Ford Escape XLT 4WD $812
Toyota Prius $872
Jeep Wrangler Sport 4WD 2-Dr $888
Chevrolet Impala LT $934
Chevrolet Equinox LT AWD $941
Volkswagen Jetta S 2.5 Station Wagon $936
Honda Accord EX-L 4-Dr Sedan $944
Toyota Tacoma 4WD $964
Hyundai Elantra GLS 4-Dr Sedan $984
Jeep Grand Cherokee Limited 4WD $1,000
Ford Fusion SEL 4-Dr Sedan $1,007
Ford Edge SEL 2WD $1,000
Ford F-150 XL Regular Cab 4WD $1,002
Toyota Camry LE $1,020
Toyota RAV4 Limited 4WD $1,026
Ford Explorer Limited AWD $1,040
Dodge Grand Caravan Crew $1,048
Ford Focus SES 4-Dr Sedan $1,056
Kia Optima EX $1,066
Toyota Camry Hybrid $1,075
Nissan Altima 2.5 S 2-Dr Coupe $1,066
GMC Sierra 2500HD SLE Regular Cab 2WD $1,075
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can alter coverage rates significantly.

Based upon the rates shown, you can presume that makes and models like the Honda CR-V, Ford Escape, Toyota Prius, Jeep Wrangler, and Chevrolet Impala are most likely to be some of the most affordable vehicles to insure for foreigners.

Establishing which company has the lowest-priced auto insurance rates for immigrants will take a bit more effort in order to find the best price. Every car insurance company uses their own calculation for filing rates in each state, so we’ll take a look at the auto insurance companies with the most affordable rates in Nebraska.

It’s important to know that Nebraska auto insurance rates are impacted by many factors that can increase the price of coverage. Improving your credit rating, becoming a homeowner, or getting a speeding ticket may prompt premium changes that may make certain companies more affordable than the competition.

Cheap Insurance Rates for Migrants

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Rankings for the cheapest Nebraska auto insurance companies
Rank Company Cost Per Year
1 Safeco $812
2 The Hartford $873
3 Auto-Owners $896
4 Allied $911
5 Farmers Mutual of Nebraska $979
6 Farm Bureau Mutual $1,010
7 Nationwide $1,037
8 State Farm $1,065
9 General Casualty $1,092
10 American National $1,098
11 USAA $1,128
12 Iowa Mutual $1,295
13 American Family $1,296
14 California Casualty $1,309
15 MetLife $1,332
16 EMC $1,340
17 GEICO $1,348
18 Progressive $1,417
19 Farmers $1,634
20 North Star $1,693
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Safeco quotes some of the lowest car insurance rates in Lincoln at around $812 per year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also make the list of some of the lowest-priced Lincoln, NE auto insurance companies.

As depicted above, if you buy coverage from The Hartford and switched to Safeco, you might achieve an annual savings of in the vicinity of $61. Policyholders with Auto-Owners may save as much as $84 a year, and Allied customers might reduce rates by $99 a year.

Understand that those prices are averages across all insureds and vehicles and are not factoring in an exact vehicle garaging location for immigrants. So the car insurance company that can offer you the best price may not even be in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

Finding a good quality insurance company can be rather challenging considering how many different companies insure vehicles in Lincoln. The ranking information shown next can help you decide which insurers you want to consider comparing rates from. The ratings below are for major nationwide insurance companies, so companies without a large exposure are not taken into consideration for this list.

Top 15 Auto Insurance Companies for Immigrants in Nebraska
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
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Data Source: Insure.com Best Car Insurance Companies

The chart below illustrates how your choice of deductibles can impact yearly insurance costs when searching for cheap insurance for immigrants. The information is based on a single male driver, full coverage, and no discounts are applied.

In the chart above, a 50-year-old driver could cut expenses by $342 a year by increasing from a $100 deductible to a $500 deductible, or save $518 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old example, could save as much as $1,138 each year just by using higher deductibles. If you do make the decision to raise your deductibles, it will now be necessary to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Can you find cheaper Lincoln car insurance?

Lincoln auto insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Getting older, adding a teenager to your policy, or getting a speeding ticket can produce rate changes that can make some companies cheaper than competitors. In addition to those changes, car insurance companies file new Nebraska auto insurance rates as often as every quarter to adjust for gains or losses. An unexpected high level of claims can result in rate hikes, while a profitable period can produce cheaper Lincoln car insurance rates.

The data below shows which company has the cheapest car insurance in Lincoln, NE for a 40-year-old male driver with no accidents, a clean driving record, and a good credit rating. If we estimate prices based on his current rating profile, Safeco might quote the best car insurance rates in Lincoln at $804 per year. This is $512 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska round out the rest of the top five cheapest Lincoln, NE auto insurance companies.

In this example, we will give the driver in the first chart an at-fault accident, slightly worse credit, and a traffic citation. Due to the fact that each insurance company has their own guidelines for determining rates, comparing insurance quotes may now show a different list of affordable Lincoln car insurance companies as shown below.

State Farm now has the lowest price in Lincoln with Nationwide, American National, General Casualty, and USAA now rounding out the top five. This example illustrates why consumers need to perform an extensive rate comparison to find the best insurance quotes for immigrants.

Car insurance prices are made up of many factors and change frequently, so the most economical option the last time you shopped your coverage around may now be costing you a lot of money.