Who Has the Cheapest Car Insurance Quotes for Unemployed Drivers in Lincoln?

The car, truck, or SUV requiring insurance is a large factor when looking for the lowest-priced coverage for unemployed drivers. Vehicles with limited speed and performance, advanced safety features, or a low likelihood of liability claims will cost less to insure than high performance models.

The list below illustrates coverage rates for a selection of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Lincoln, NE
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $788
Honda CR-V EX-L 4WD $880
Ford Explorer XLT 2WD $884
Toyota RAV4 Sport 4WD $934
Chevrolet Impala LT $944
GMC Sierra SLE Regular Cab 2WD $934
Chevrolet Malibu LT $950
Toyota Prius $956
Jeep Wrangler Unlimited Sport 4WD 4-Dr $962
Toyota Camry SE $984
Toyota Corolla XRS $1,000
Ford Edge Limited 2WD $1,028
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,040
Ford F-150 FX2 2WD $1,049
Honda Accord EX 2-Dr Coupe $1,050
Toyota Camry Hybrid $1,066
Hyundai Elantra GLS 4-Dr Sedan $1,076
Ford Focus SEL 4-Dr Sedan $1,082
Dodge Grand Caravan Crew $1,076
Dodge Ram Crew Cab TRX 4WD $1,084
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Prices based on 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-vehicle, multi-policy, homeowner, and safe-driver. Rate information does not factor in vehicle location which can modify premiums substantially.

Based upon these rates, we can assume that vehicles like the Ford Escape, Honda CR-V, Ford Explorer, Toyota RAV4, and Chevrolet Impala are most likely going to be the more affordable vehicles to insure for the unemployed.

One of the more important criteria that are looked at to determine the annual cost of car insurance is where you normally keep your vehicle in Lincoln. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The following table sorts the most expensive areas in Nebraska for unemployed drivers in which to buy car insurance. Lincoln is ranked at #24 with a yearly cost of $1,095 for the average policyholder, which is approximately $91 per month.

How much does car insurance cost in Lincoln, NE?
Rank City Average Per Year
1 Scottsbluff $1,360
2 Alliance $1,340
3 McCook $1,318
4 Gering $1,317
5 South Sioux City $1,290
6 North Platte $1,288
7 Lexington $1,277
8 Crete $1,246
9 Blair $1,236
10 Beatrice $1,235
11 Omaha $1,233
12 Nebraska City $1,212
13 Hastings $1,193
14 Kearney $1,188
15 York $1,180
16 Seward $1,179
17 Fremont $1,177
18 Grand Island $1,170
19 Columbus $1,150
20 La Vista $1,150
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Price information shown is estimated as the specific garaging location can alter coverage prices considerably.

The diagram below demonstrates how deductibles can influence insurance costs when researching cheap insurance for unemployed drivers. The data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $276 a year by changing from a $100 deductible to a $500 deductible, or save $416 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could possibly save $684 annually just by choosing higher deductibles.

If you make the decision to raise deductibles, it will be important to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Lincoln insurance companies ranked

Ending up with the right car insurance company can be a challenge considering how many companies are available to choose from in Nebraska. The ranking data in the lists below may help you choose which insurers to look at when comparing rates. The rankings below are for companies who write in the majority of U.S. states, so companies that focus mainly on Nebraska business will not be included in this list.

Top 10 Large Auto Insurance Providers in Lincoln Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. The Hartford
  10. Farmers Insurance

Top 10 Large Auto Insurance Providers 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-

Types of discounts on Lincoln car insurance rates

Save on insurance for the unemployed in LincolnAuto insurance companies that provide coverage for unemployed drivers could also offer premium discounts that may potentially lower prices by as much as 35% if you qualify. A list of companies and some of the discounts are shown below.

The diagram below illustrates the comparison of car insurance costs with and without discounts applied to the premium. Data assumes a female driver, no claims, a clean driving record, Nebraska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, marriage, accident-free, multiple vehicle, safe-driver, and claim-free discounts applied. When taking advantage of discounts, theamount saved on insurance for unemployed drivers is 28% or $455.

How to find low-cost auto insurance for unemployed drivers

It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help you get more affordable coverage.

The last item on the list is remarkably significant, as we pointed out in this piece. Coverage rates can be modified anytime, so don’t be afraid to buy from a different company if a better deal can be had. We understand brand loyalty, but it’s not a good idea if that stubbornness costs you thousands of dollars over several years. In just a couple of minutes you could compare rates to find cheaper auto insurance for unemployed drivers in Lincoln.