Who Has the Cheapest Auto Insurance for 4×4 Vehicles in Lincoln?

The words “economical” and “insurance” probably shouldn’t be used in the same sentence, in particular when you are looking for the best insurance rates for 4×4 vehicles. Let’s open your eyes to a few of the factors that have a considerable impact on insurance prices, and find some ways to lower the cost of the next policy you buy.

The car, truck, or SUV that needs insurance is one of the largest considerations when quoting the best cheap insurance for 4×4 vehicles. Vehicles with lower acceleration and performance, modern passenger safety features, or a low likelihood of liability claims will cost significantly less to insure than high performance models.

The data below showcases insurance costs for the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Lincoln, NE
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 4WD $794
Ford Edge SE 2WD $854
Toyota Prius $858
Honda Odyssey EX W/Rear Entertainment $902
Toyota RAV4 Sport 4WD $920
Chevrolet Malibu Hybrid $925
Ford Focus SEL 4-Dr Sedan $950
Ford Escape Limited 4WD $966
Hyundai Elantra SE Touring Station Wagon $973
Jeep Wrangler Sport Islander Package 4WD 2-Dr $978
GMC Sierra SLT Extended Cab 2WD $984
Ford F-150 Lariat Crew Cab Platinum 2WD $992
Jeep Grand Cherokee SRT-8 4WD $984
Toyota Corolla XRS $994
Chevrolet Silverado LS Extended Cab 2WD $986
Toyota Tacoma 4WD $998
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,002
Ford F-350 XL Crew Cab Cabela Package 2WD $1,012
Nissan Rogue SL AWD $1,034
Volkswagen Jetta SE 2.5 Station Wagon $1,038
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Information does not factor in Lincoln, NE location which can change premium rates substantially.

Based upon these rates, we can assume that cars like the Honda CR-V, Ford Edge, Toyota Prius, and Honda Odyssey are most likely to be some of the cheapest vehicles to insure for off-road vehicles.

One of the many things that determine the annual cost of car insurance is where you call home. More populated areas tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.

The table below shows the most expensive cities in Nebraska for 4×4 vehicles to buy auto insurance in. Lincoln makes the list at #23 with the yearly price of $1,106 for the average insured, which is approximately $92 per month.

Car insurance prices in Lincoln
Rank City Annual Premium
1 Scottsbluff $1,320
2 McCook $1,318
3 Gering $1,317
4 North Platte $1,301
5 Alliance $1,300
6 Lexington $1,277
7 South Sioux City $1,264
8 Kearney $1,236
9 Beatrice $1,222
10 Omaha $1,220
11 Blair $1,200
12 Crete $1,198
13 Seward $1,191
14 Columbus $1,185
15 Bellevue $1,179
16 Nebraska City $1,176
17 York $1,156
18 La Vista $1,150
19 Hastings $1,147
20 Norfolk $1,147
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Price information shown is comparative as zip code location can raise or lower auto insurance rates significantly.

Trying to buy low-priced car insurance is challenging, and determining which company quotes the lowest-priced auto insurance rates for 4×4 vehicles requires even more rate comparisons. Every auto insurer has their own guidelines to determine premium rates, so first let’s look at the rankings for the most competitive auto insurance companies in Lincoln.

Find the Cheapest Auto Insurance for 4×4’s

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Who has the cheapest car insurance in Nebraska?
Rank Company Cost Per Year
1 Safeco $804
2 The Hartford $865
3 Auto-Owners $905
4 Allied $939
5 Farm Bureau Mutual $990
6 Nationwide $1,007
7 Farmers Mutual of Nebraska $1,019
8 State Farm $1,043
9 American National $1,054
10 General Casualty $1,114
11 USAA $1,162
12 American Family $1,258
13 MetLife $1,293
14 Iowa Mutual $1,295
15 EMC $1,300
16 California Casualty $1,309
17 GEICO $1,322
18 Progressive $1,417
19 Farmers $1,602
20 North Star $1,642
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Safeco quotes some of the most affordable car insurance rates in Lincoln at around $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 Farm Bureau Mutual also are some of the more affordable Lincoln, NE auto insurance companies.

In the rate table above, if you currently buy coverage from Allied and switched to Safeco, you might see annual savings of approximately $135. Nebraska drivers with Farm Bureau Mutual might save as much as $186 a year, and Nationwide customers might lower prices by $203 a year.

It’s important to note that these policy rates are averaged for all drivers and vehicles in Nebraska and do not take into consideration a specific zip code for 4×4 vehicles. So the auto insurance company that fits your age and vehicle best may not even be in the top 24 companies shown above. That emphasizes why you need to compare prices as often as possible using your own driver information and specific vehicle type.

The information below shows how choosing a deductible can influence annual premium costs when searching for cheap insurance for 4×4 vehicles. The data assumes a married female driver, comp and collision included, and no discounts are factored in.

The chart above illustrates that a 30-year-old driver could cut expenses by $236 a year by increasing from a $100 deductible to a $500 deductible, or save $358 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, can save as much as $508 annually by using higher deductibles when buying full coverage.

When choosing a higher deductible, it is important to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

How to get discounts on Lincoln insurance

Save on auto insurance for off-road vehicles in LincolnInsurance companies that offer cheap quotes for 4×4 vehicles may provide rate discounts that may potentially lower prices by 30% or more if you qualify. The best auto insurance companies and the discounts they provide are:

The information below illustrates the difference between car insurance rates with and without some available policy discounts. The costs are based on a female driver, a clean driving record, no claims, Nebraska state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, anti-theft, multiple policy, homeowner, claim-free, and passive restraint discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for 4×4 vehicles is 28% or $501.

Liability-only versus full coverage

Saving on auto insurance is important to the majority of drivers, and a great way to find cheap insurance for 4×4 vehicles is to only buy liability insurance. The example below illustrates the comparison of insurance costs with full coverage compared to only the Nebraska minimum liability coverage. The data assumes no claims or driving violations, $500 deductibles, single status, and no other discounts are factored in.

As an average, full coverage costs $1,889 per year more than just insuring for liability. Many drivers will wonder when is it a good idea to stop buying full coverage. There is no specific rule to drop full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying the physical damage deductible. If you are paying in excess of $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

Why you should be comparing rates

Lincoln, NE auto insurance rates are determined by lots of factors which can substantially change the cost of a policy. Simply having a birthday, moving across town, or having an accident can trigger rate changes that can now make some companies cheaper in comparison to the competition. Additionally, insurance companies change rates every year or even multiple times each year as an adjustment for underwriting gains or losses. Larger than normal claims may result in additional premium costs, while a better claims history may cause cheaper Lincoln car insurance rates.

The graph below compares the cheapest car insurance in Lincoln, NE for a 45-year-old female driver with no accidents or violations, and solid credit. When comparing rates based on her personal risk profile, Safeco might offer the most affordable car insurance rates in Lincoln at $780 annually. This is $536 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska are the rest of the cheapest Lincoln, NE auto insurance companies.

Let’s now give the driver from the first rate comparison an accident claim, bad credit, and a couple of points charged on her driving record. Since each auto insurance company has a proprietary method to set their prices, comparing rates could result in a substantially altered list of affordable companies as shown below.

Nationwide now has the cheapest car insurance in Lincoln with State Farm, American National, General Casualty, and USAA also having competitive pricing. This example illustrates why drivers need to compare as many rates as possible to find the best auto insurance quotes for 4×4 vehicles.

Auto insurance prices can be altered by many different factors and can change without notice, so the best option three years ago may now be an over-priced policy.