Cheap Car Insurance in Lincoln

Lincoln is well known for Husker football, tailgating in the Haymarket, and being a great college town. But if you have to find cheap car insurance in Lincoln, you may have to do a little extra work.

There's cheap, and there's affordable. Lincoln is actually quite affordable as compared to other parts of the country. Auto insurance rates in Lincoln average about $1,100 a year, and that's a good $100 cheaper than the U.S. average. But that's not to say coverage is even close to being cheap.

To find the most affordable rates in Nebraska's capital city, you need to be doing rate comparisons about every year. See, car insurance companies change their rates fairly regularly, so that great rate you had two or three years ago may now be quite over-priced. The only way to know that is to shop around with a bunch of other companies and find which one's have better prices.

We can help you find those elusive cheapest car insurance rates in Lincoln, and also help you understand your coverage a little better. Let's start by taking a look at some example rates in the table below for some of the more popular cars, SUV's, and trucks you'll find cruising up and down 'O' street.

Auto Insurance Rates for Popular Vehicles in Lincoln
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Equinox LS 2WD $1,062 $531 $89
Chevrolet Malibu LS $1,062 $531 $89
Chevrolet Silverado LT Extended Cab 2WD $1,120 $560 $93
Dodge Grand Caravan SXT $1,086 $543 $91
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,242 $621 $104
Ford Edge SE AWD $1,036 $518 $86
Ford Escape XLS 2WD $896 $448 $75
Ford F-150 Lariat Super Cab 4WD $1,086 $543 $91
Ford Focus SEL 4-Dr Sedan $1,108 $554 $92
Honda Accord EX 2-Dr Coupe $1,192 $596 $99
Honda CR-V EX-L 2WD $922 $461 $77
Honda Civic LX-S 4-Dr Sedan $1,108 $554 $92
Hyundai Sonata Limited 4-Dr Sedan $1,216 $608 $101
Mazda 3 S Sport 4-Dr Sedan $1,158 $579 $97
Nissan Altima 2.5 S 4-Dr Sedan $1,134 $567 $95
Toyota Camry XLE $1,134 $567 $95
Toyota Corolla XRS $1,158 $579 $97
Toyota RAV4 Limited 4WD $1,062 $531 $89
Volkswagen Jetta 2.0T 4-Dr Sedan $1,158 $579 $97
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in Lincoln location which can decrease or increase auto insurance rates considerably.

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How violations and accidents impact rates

The diagram below demonstrates how speeding tickets and at-fault collisions can affect yearly insurance costs for each age group. The premium estimates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.

How to find cheaper Lincoln car insurance rates

The recommended way to find cheaper quotes for auto insurance prices in Lincoln is to start comparing rates regularly from different companies who sell auto insurance in Nebraska. Rates can be compared by following these guidelines.

  1. Take a little time to learn about how insurance companies determine prices and the things you can control to prevent expensive coverage. Many factors that result in higher prices such as high-risk driving behaviors and a not-so-good credit history can be controlled by paying attention to minor details.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple insurance companies.
  3. Compare the new quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money and change companies, make sure coverage does not lapse between policies.

A good piece of advice is that you'll want to compare identical coverages on each quote request and and to compare as many auto insurance providers as possible. This ensures the most accurate price comparison and a complete price analysis.