Lincoln, NE Car Insurance

Are rates in Lincoln higher or lower than those in neighboring areas? How do they compare to the rest of Nebraska? What can Lincoln residents expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Lincoln?

Based on the chart above, it costs about the same to insure your vehicle in Lincoln as it does in the rest of Nebraska.

Likewise, car insurance rates in Lincoln are often favorable when viewed against the rest of the country. Car insurance rates for the United States as a whole are, on average, $10 more expensive than the rates you'd pay in Lincoln.

These rates may be the average amount Lincoln residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Lincoln residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may start to rise again in Lincoln.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. In Lincoln, although women do pay a bit less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Lincoln, a driving record with one accident will usually get you a rate around $91 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $84 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Lincoln are by and large trucks and vans, at $66 per month.

Cars and SUVs, however, usually cost about $71 to insure their vehicle.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. In Lincoln, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

As you can see in the table above, married couples pay about the same rate as single drivers in Lincoln.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. Drivers who own property in Lincoln can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Lincoln, NE

Recent trends in car insurance for Lincoln drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of auto insurance coverage in Lincoln have been mixed as of late, it decreased in 2017, rose in 2019, and fell again in 2021, before finishing at $68 in 2022.

How does Lincoln compare to neighboring areas?

Why are car insurance rates in Lincoln different from other areas?

Car insurance companies look at numerous factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Crime rates
• Road safety
• Amount of off-street parking
• Laws
• Amount of drivers in the area

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Lincoln?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Lincoln in no time.

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Lincoln Insurance FAQs

What factors affect car insurance quotes in Lincoln?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Lincoln different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Lincoln?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lincoln?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Lincoln or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.