Lincoln Car Insurance

How much does car insurance cost in Lincoln, NE? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Lincoln?

Lincoln. Nebraska is a historic Midwestern town known for its iconic architecture, manicured gardens and fun-filled family adventures. Its founders named this state capital town after the nation’s 16th president, Abraham Lincoln.

There are so many fabulous outings that residents can enjoy within Lincoln. It is home to the Sunken Gardens, a tranquil paradise with beautiful lily ponds, lovely walkways and gorgeous in-season blooms. You can also enjoy viewing the dazzling night stars in the Mueller Planetarium located at the University of Nebraska State Museum within the city. Hikers can also explore the lovely 668-acre Pioneers Park Nature Center located nearby.

Although residents can use Lincoln’s StarTran system to ride through town, it’s always more convenient to use a car to run errands and explore the city.

Are you a new Lincoln driver that needs car insurance for your vehicle? In this article, you’ll learn about the basic coverages you’ll need to drive within the state of Nebraska.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Nebraska has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Lincoln typically pay around $93.83 per month compared to the national average of $146.50 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $146.50
Nebraska $96.97
Lincoln, Nebraska $93.83

Lincoln, NE Best Car Insurance Companies

car insurance in Lincoln

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, American National P&C generally has the most affordable car insurance in Lincoln coming in around $48.85 per month. Other companies to consider if you live in Lincoln is American National P with an average cost of $61.17 per month and Dairyland which typically runs around $70.00 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Lincoln.

RankCompanyAverage Monthly RateComparison State Average
1 American National P&C $48.85-49.62%
2 American National P $61.17-36.91%
3 Dairyland $70.00-27.81%
4 Farm Bureau Mutual (IA Group) $82.94-14.47%
5 Clearcover $90.51-6.66%
6 Auto-Owners Insurance Co $92.03-5.09%
7 USAA $95.05-1.98%
8 EMC Insurance $95.37-1.64%
9 Farmers Mutual of Nebraska $104.367.63%
10 Nationwide $110.5514.01%

How Much is Car Insurance in Lincoln, NE?

how much is auto insurance in Lincoln

Rates can vary from city to city. The residents of Bellevue typically pay $102.05 per month while people who live in Blair will pay $105.10 per month on average. See what people pay for car insurance in other cities in Nebraska.

Nebraska CitiesMonthly Average Rate
Bellevue $102.05
Grand Island $86.03
Lincoln $93.83
North Platte$77.80
Omaha $110.35

Cheap Car Insurance in Lincoln by Zip Codes

find cheap auto insurance in Lincoln

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Nebraska. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Lincoln, NE ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Lincoln

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $189.15 per month in Lincoln. Compare that to drivers in their 30’s who typically pay around $81.04 per month drivers in their 40s at $79.07 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Lincoln

If you are teen in Lincoln you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, American National P&C typically charges around $95.77 per month. This is likely the most affordable option in Lincoln. You might also want to consider American National P and Farm Bureau Mutual (IA Group) who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
American National P&C$95.77
American National P$136.57
Farm Bureau Mutual (IA Group)$145.16
EMC Insurance$183.61
Farmers Mutual of Nebraska$191.61

Cheapest Insurance for 20 Year-olds in Lincoln

20 year-olds in Lincoln might want to consider American National P&C who, on average, offers car insurance rates around $62.64 per month. American National P , Farm Bureau Mutual (IA Group) , USAA and EMC Insurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
American National P&C$62.64
American National P$93.01
Farm Bureau Mutual (IA Group)$114.74
EMC Insurance$139.67

Cheapest Insurance for 30 Year-olds in Lincoln

If you are in your 30s in Lincoln our research has found that American National P&C typically has the most affordable coverage coming in around $43.00 per month, followed by American National P at $53.42 and Dairyland at $70.00.

CompanyAverage Monthly Rate
American National P&C$43.00
American National P$53.42
Auto-Owners Insurance Co$76.51
Farm Bureau Mutual (IA Group)$80.25

Cheapest Insurance for 40 Year-olds in Lincoln

On average, American National P&C offers car insurance for 40 year-olds in Lincoln for around $42.62 per month. If you are looking for affordable coverage, you may also want to consider American National P or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
American National P&C$42.62
American National P$49.05
Auto-Owners Insurance Co$72.55
Farm Bureau Mutual (IA Group)$74.41

Cheapest Insurance for 50 Year-olds in Lincoln

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Lincoln we found that American National P&C generally offers the most affordable coverage at $28.05 per month.

CompanyAverage Monthly Rate
American National P&C$28.05
American National P$43.27
Auto-Owners Insurance Co$62.30
Farm Bureau Mutual (IA Group)$62.78

Cheapest Insurance for 60 Year-olds in Lincoln

If you live in Lincoln and you’re in your 60s, our data indicates that American National P usually has the best rates at $34.73 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
American National P$34.73
American National P&C$36.50
Farm Bureau Mutual (IA Group)$53.82
Auto-Owners Insurance Co$54.69
EMC Insurance$58.71

Driver's Coverage Auto Insurance Rates in Lincoln, NE

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Lincoln, the average monthly rate for a driver who is currently insured is $91.25 while drivers who are not currently covered will pay around $97.81.

CoverageAverage Monthly Rate
Not Currently Insured $97.81
Currently Insured $91.25

Compare Recent Car Insurance Quotes in Lincoln

auto insurance quotes in Lincoln city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Lincoln a driver of a 2014 Chevrolet Impala can expect to pay around $179.18 per month while someone that owns a 2008 Dodge Avenger may pay around $144.77 per month. Check out the list of recent quotes in Lincoln below.

VehicleAverage Monthly Rate
2014 Chevrolet Impala$179.18
2008 Dodge Avenger$144.77
2007 Hyundai Santa Fe$80.73
2013 Nissan Rogue$57.80

FAQ's for Drivers in Lincoln, NE

driver’s frequently asked question in Lincoln

What Is the Minimum Liability Coverage Requirement in Lincoln, NE?

Every state requires drivers to have a minimum amount of liability coverage. Nebraska drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Minimum requirements are set by each state individually. In Nebraska, you must carry car insurance providing bodily injury coverage of at least $25,000 per person and $50,000 per accident. You also need a minimum of $25,000 property damage coverage per accident. On top of this, Nebraskans are obligated to carry uninsured motorist coverage for bodily injury of at least $25,000 per person and $50,000 per accident.

Nebraska is a tort or at-fault state. This means that residents involved in an accident may file a claim through their own insurance company or the other party’s company, and they may pursue compensation for various incurred expenses and losses through a personal injury lawsuit against the at-fault party. No-fault or personal injury protection (PIP) coverage is therefore not required in the state.

What Is the Blood Alcohol Concentration (BAC) limit in Lincoln, NE?

It’s against the law to operate a motor vehicle in Nebraska at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Per Nebraska’s DUI laws, you can be convicted even without a BAC reading, based on the testimony of the arresting law enforcement officer.

What are the consequences of being convicted of a DUI?

DUI penalties in Nebraska depend on a number of factors, including the number of previous DUI convictions and aggravating circumstances like whether an accident or death was caused by the impaired driving, or if the BAC was over 0.15% at the time of the arrest.

Even first-time offenders without aggravating factors face 7 to 60 days in jail, up to $500 in fines (as well as other fees), installation of an ignition interlock device, and a suspended license.

Check Out Other Rates in Lincoln, NE Nearby Cities:

Bellevue, NE

Sioux City, IA

Council Bluffs, IA


Grand Island, NE


Manhattan, KS


Omaha, NE



Commute Time in Lincoln, NE

18.3 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Lincoln, NE


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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