How Much is Lincoln Car Insurance for Drivers Under 25?

It’s hard to miss the captivating commercials from insurers like The General and Nationwide guaranteeing enormous savings, so drivers should just pick the one with the best commercial, right?

Unfortunately, it’s just not that easy, as there are a whole bunch of unknown elements like what coverage limits you need, how old you are, whether or not you own a home, and what deductibles to use for physical damage coverage, that all factor into the price you pay. This article covers the best ways to compare rates and should give you some help in finding cheaper rates.

Trying to buy cost effective car insurance is challenging, and deciding which company quotes the cheapest auto insurance rates for drivers under 25 calls for more quotes for comparison. Every insurance provider has a unique approach to determine rates, so we’ll go over the most affordable auto insurance companies in Lincoln, NE.

Best Car Insurance Prices for Young Drivers

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Who has the cheapest car insurance in Nebraska?
Rank Company Cost Per Year
1 Safeco $780
2 The Hartford $839
3 Allied $921
4 Auto-Owners $923
5 Farmers Mutual of Nebraska $989
6 Farm Bureau Mutual $990
7 Nationwide $997
8 State Farm $1,043
9 American National $1,054
10 General Casualty $1,125
11 USAA $1,150
12 California Casualty $1,270
13 American Family $1,284
14 Iowa Mutual $1,295
15 MetLife $1,332
16 GEICO $1,348
17 EMC $1,354
18 Progressive $1,417
19 Farmers $1,650
20 North Star $1,710
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Safeco may offer some of the lowest car insurance rates in Lincoln at around $780 each year. 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 also make the cut as some of the cheaper Lincoln, NE auto insurance companies.

As the example above demonstrates, if you currently have a policy with Auto-Owners and switched to Safeco, you may see an annual premium reduction of in the neighborhood of $143. Nebraska drivers with Farmers Mutual of Nebraska might save as much as $209 a year, and Farm Bureau Mutual policyholders might see rate reductions of $210 a year.

To find out how your current rates compare, click here or quote prices from the following companies.

Be aware that those policy prices are averaged for all ages of drivers and types of vehicles and are not factoring in a vehicle location for drivers under 25. So the auto insurance company that is most affordable for your situation may not even be in the top 24 companies in the list above. That affirms the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.

The make and model of vehicle requiring insurance is a large consideration when looking for the most affordable coverage for drivers under 25. Vehicles with economical engines, a great safety record, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models.

The data below estimates coverage rates for a number of the most cost-effective automobiles to buy insurance for.

Cheapest Vehicles to Insure in Lincoln, NE
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,712
Honda Accord LX-P 4-Dr Sedan $1,719
Honda CR-V EX-L 2WD $1,738
Toyota Prius $1,870
Dodge Grand Caravan CV $1,916
Ford Explorer XLT 4WD $1,925
Volkswagen Jetta SE 2.5 Station Wagon $1,980
Toyota Tacoma 2WD $1,998
Ford Edge SEL AWD $2,005
Chevrolet Equinox LT AWD $2,024
Nissan Altima 2.5 4-Dr Sedan $2,033
Chevrolet Impala LT $2,024
Toyota RAV4 4WD $2,030
Ford Fusion S 4-Dr Sedan $2,024
Jeep Wrangler Unlimited Sport 4WD 4-Dr $2,112
Toyota Corolla S $2,134
Hyundai Elantra SE 4-Dr Sedan $2,139
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Above prices assume single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific garaging location which can impact price quotes significantly.

Based upon these rates, we can expect makes and models like the Ford Escape, Honda Accord, Honda CR-V, Toyota Prius, and Dodge Grand Caravan will be some of the more affordable vehicles to insure for drivers age 25 and younger. The cost of a car insurance policy will trend higher just due to the fact that there is more exposure for drivers under 25, but in general those vehicles will have the lowest insurance rates possible.

For drivers age 25 and younger, one of the more important considerations that are used to help calculate the amount you pay each year for auto insurance is where you live in Lincoln. Areas with more people or higher crime rates tend to pay more, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.

The information below lists the priciest cities in Nebraska for drivers under 25 to purchase a policy in. Lincoln makes the list at #24 with an annual cost of $1,062 for the average policy, which is about $89 each month.

How much is auto insurance in Lincoln, NE?
Rank City Annual Rate
1 Scottsbluff $1,374
2 Gering $1,357
3 Alliance $1,340
4 Lexington $1,303
5 South Sioux City $1,303
6 North Platte $1,288
7 McCook $1,279
8 Omaha $1,270
9 Beatrice $1,259
10 Crete $1,246
11 Nebraska City $1,212
12 Kearney $1,200
13 Blair $1,200
14 Seward $1,179
15 Bellevue $1,179
16 Columbus $1,174
17 La Vista $1,162
18 Hastings $1,158
19 Norfolk $1,147
20 York $1,145
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Premium amounts are estimated as the specific zip code location can alter price quotes considerably.

Types of discounts on Lincoln car insurance rates

Save on auto insurance for drivers age 25 and younger in LincolnCar insurance companies that sell policies for drivers under 25 may additionally offer special discounts that could lower prices by as much as 30% if you meet eligibility requirements. Companies and some of their more popular discounts include:

The diagram below visualizes the comparison of car insurance rates with and without discounts. The prices are based on a female driver, a clean driving record, no claims, Nebraska state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with good student, continuous coverage, vehicle safety, anti-theft, paid-in-full, and paperless filing discounts applied. When drivers qualify for the discounts, theamount saved on auto insurance for drivers under 25 is 21% or $432.

Buying coverage from the highest-rated auto insurance provider can be challenging considering how many different companies there are to choose from in Nebraska. The company rank data shown below may help you select which auto insurers you want to consider when looking for cheaper rates.

These rankings include large insurance companies, so smaller companies that only insure vehicles in Nebraska are not taken into consideration for this list. To compare price quotes from these top insurers and more, simply click here.

Best Auto Insurance Companies for Drivers Under 25 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
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

Lincoln car insurance rates

Nebraska auto insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Simply turning a year older, getting married, or getting a DUI can trigger price changes resulting in some rates now being more affordable than others.

Additionally, car insurance companies change rates as often as every quarter to ensure their profitability. A period of higher than normal claims may result in increased rates, while a lower level of claims may cause cheaper Lincoln car insurance rates.

For instance, the chart below shows the companies that have the cheapest car insurance in Lincoln, NE for a 45-year-old female driver with no violations or accidents, and a good credit history. If we look at prices based on her personal profile, Safeco quotes the cheapest car insurance rates in Lincoln at $780 per year. This is $536 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are the remaining cheapest Lincoln, NE auto insurance companies.

The example below compares rates after we give the driver in the first example a chargeable claim, bad credit, and a stop sign violation. Due to the fact that every insurance company has a unique formula to set premium rates, analyzing rate quotes will most likely result in a completely different list of companies as shown below.

Farmers Mutual of Nebraska now has the lowest price in Lincoln, NE with American National, State Farm, General Casualty, and USAA completing the list. This example illustrates why Lincoln drivers need to take the time to shop around to get the most affordable car insurance rates for drivers under 25.

Insurance rates are calculated by many things and can increase or decrease at any time, so the lowest-price company six months ago may now be priced much higher than other options.