Who Has the Cheapest Car Insurance Rates for Police Officers in Lincoln?

For law enforcement personnel, one of the big factors that determine the amount you pay for auto insurance is your zip code in Lincoln. Cities with larger populations or higher claim trends tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The next table rates the priciest cities in Nebraska for police officers in which to buy car insurance. Lincoln is ranked #24 with a yearly cost of $1,106 for the average policy, which is approximately $92 monthly.

How much is car insurance in Lincoln?
Rank City Annual Premium
1 Scottsbluff $1,374
2 Alliance $1,340
3 Gering $1,303
4 McCook $1,292
5 Lexington $1,264
6 South Sioux City $1,251
7 North Platte $1,250
8 Blair $1,236
9 Beatrice $1,222
10 Omaha $1,220
11 Seward $1,215
12 Crete $1,210
13 York $1,191
14 Nebraska City $1,188
15 Kearney $1,188
16 Hastings $1,182
17 Bellevue $1,179
18 La Vista $1,162
19 Norfolk $1,147
20 Columbus $1,139
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Table data uses comparative as the vehicle garaging location can lower or raise premiums considerably.

Buying low-cost insurance is hard enough, and deciding which company has the lowest-priced insurance rates for police officers will involve even more work. Every insurance company uses a different method to determine rates, so let’s begin by examining the insurance companies with the overall cheapest rates in Nebraska.

It’s important that you understand Nebraska insurance rates are determined by lots of factors that control the policy premium. This price variability is why Lincoln drivers need to shop around with many companies when trying to get the lowest car insurance rates for police officers. Prices are impacted by many different factors and can change without notice, so the best company six months ago may now cost much more than other companies.

Cheapest Insurance Rates for Law Enforcement

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Nebraska car insurance ranked by cost per year
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $865
3 Auto-Owners $923
4 Allied $939
5 Nationwide $997
6 Farm Bureau Mutual $1,010
7 Farmers Mutual of Nebraska $1,019
8 State Farm $1,033
9 General Casualty $1,092
10 American National $1,098
11 USAA $1,116
12 American Family $1,296
13 California Casualty $1,296
14 MetLife $1,319
15 GEICO $1,322
16 Iowa Mutual $1,334
17 EMC $1,340
18 Progressive $1,402
19 Farmers $1,634
20 North Star $1,642
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Safeco normally has some of the most affordable car insurance rates in Lincoln at around $788 a year. The Hartford, Auto-Owners, Allied, and Nationwide also make the cut as some of the best Lincoln, NE car insurance companies.

As shown in the table above, if you currently have coverage with The Hartford and switched to Safeco, you may realize a yearly savings of roughly $77. Insureds with Auto-Owners might save as much as $135 a year, and Allied insureds might reduce rates by $151 a year.

To get a quick, customized rate comparison, click here to start your free quote or click several companies below for low rates.

These policy rates are averages for all insureds and vehicles and do not factor in a specific location for police officers. So the insurer that has the lowest price for you may not even be in the top 24 companies in the list above. That is why you need to compare prices as often as possible using your own driver and vehicle profiles.

The make and model of vehicle that needs insurance is one of the main factors when comparison shopping for the best insurance for police officers. Vehicles with more horsepower, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The next list estimates insurance premiums for a number of the most cost-effective vehicles to insure in Nebraska.

Cheapest Vehicles to Insure in Lincoln, NE
Vehicle Insured Estimated Cost for Full Coverage
Jeep Wrangler Sport Islander Package 4WD 2-Dr $866
Ford Explorer XLT AWD $884
Ford Escape XLS 4WD $888
Honda Accord EX 4-Dr Sedan $898
Honda CR-V LX 2WD $888
Toyota Tacoma Double Cab 4WD $934
Dodge Grand Caravan Crew $950
Toyota Prius $956
Volkswagen Jetta S 2.5 Station Wagon $962
Ford F-150 XLT Crew Cab 2WD $964
Ford Edge Sport 2WD $984
Ford Focus S 4-Dr Sedan $1,000
Toyota Camry LE $1,020
Toyota RAV4 Sport 4WD $1,029
Chevrolet Impala LS $1,028
Honda Civic DX 4-Dr Sedan $1,033
Honda Odyssey EX W/Rear Entertainment $1,028
Hyundai Sonata SE 4-Dr Sedan $1,050
GMC Sierra SLE Crew Cab 2WD $1,052
Hyundai Elantra Blue 4-Dr Sedan $1,056
Kia Optima EX $1,066
Ford Fusion Sport AWD 4-Dr Sedan $1,068
Chevrolet Malibu LT $1,076
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Data assumes single male driver age 30, 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. Premium costs do not factor in specific zip code location which can raise or lower coverage prices substantially.

By looking at the data, you can see that cars like the Jeep Wrangler, Ford Explorer, Ford Escape, and Honda Accord are some of the most economical vehicles to insure for law enforcement personnel.

The information below demonstrates how deductibles can change insurance costs when searching for cheap insurance for police officers. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could save $246 a year by switching from a $100 deductible up to a $500 deductible, or save $370 by using a $1,000 deductible. Younger drivers, like the age 20 example, have the ability to save $606 or even more by choosing larger deductibles on their policy. If you do raise deductibles, it is essential to have enough savings to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Cost difference between full coverage and liability

Lowering the price of insurance is important to most people, and an effective way to find cheap insurance for police officers is to buy only liability coverage. The information below illustrates the comparison of yearly insurance costs when comparing full coverage to liability only. The rates are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.

If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs an extra $1,704 per year more than carrying just liability coverage. At some point, every insured wonders if buying full coverage is worth the money. There is no exact rule that is best for determining when to drop full coverage, but there is a general convention. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your vehicle’s replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying in excess of $300 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

Lincoln insurance companies ranked

Buying coverage from a highly-rated car insurance provider can be a challenge considering how many different insurance companies sell coverage in Lincoln. The company information below could help you choose which car insurance providers to look at buying from.

These rankings are only made up of companies that write coverage in many states, so companies that only write business in Nebraska or surrounding areas are not factored into the list. If you would like to check rates from these and other top-rated companies, follow this link.

Top 15 Insurance Companies for Police Officers in Lincoln, NE
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

You are probably paying too much for car insurance

Nebraska insurance rates are calculated based on many things that can increase the price of coverage. Improving your credit rating, buying a new vehicle, or getting a DUI may prompt premium changes resulting in some companies being more affordable than the competition. In addition, insurance companies modify pricing at least once a year in order to remain profitable. Unexpectedly high claims can cause higher prices, while a better claims history can produce lower-cost Lincoln car insurance rates.

To illustrate this point, the data below shows which company has the cheapest car insurance in Lincoln, NE for a 40-year-old male driver with no accidents or violations, and great credit. If we compare prices based on his personal risk profile, Safeco may have the best car insurance rates in Lincoln at $812 a year. This is $504 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are the rest of the cheapest Lincoln, NE auto insurance companies.

Let’s now give the driver in the first chart some claims, a little lower credit rating, and a traffic ticket or two. Since each auto insurance company uses their own method to set policy rates, analyzing rates will most likely result in a substantially altered list of the cheapest Lincoln car insurance companies as shown below.

Farm Bureau Mutual now has the cheapest rate in Lincoln, NE with American National, State Farm, General Casualty, and USAA now rounding out the top five. This example demonstrates why it is crucial to do a thorough rate comparison to find the most affordable insurance quotes for police officers. Car insurance prices are impacted by many different factors and can increase or decrease at any time, so the lowest-price company when you bought your policy may now be priced much higher than other options.

If you wish to get help from a professional when trying to find the best insurance rates for law enforcement personnel, the insurance agencies listed below are willing to help you make a decision which coverages are best.

To find an auto insurance agency close to you, click the link after the list.

Copple Insurance Agency, Inc.
1640 L StLincoln, NE 68508(402) 475-3213

Karen Williams – State Farm Insurance Agent
233 N 48th St oLincoln, NE 68504(402) 434-6050

Chuck Clifford III – State Farm Insurance Agent
2710 S 70th St #103Lincoln, NE 68506(402) 483-6955

Brokers Insurance
3325 A StLincoln, NE 68510(402) 434-0480

Allstate Insurance: Darryl Moore
7111 A St #103Lincoln, NE 68510(402) 413-7111

View map of Lincoln, NE insurance agents