GEICO has the cheapest car insurance for most Lincoln, Nebraska drivers, charging an average of $43 a month for minimum-coverage policies, according to our survey of providers.
American Family, meanwhile, has the most affordable full-coverage car insurance rates in Lincoln at an average of $97 a month.
However, USAA presents a better alternative for those who qualify. USAA offers insurance for former or active military members, as well as their family members. USAA’s average minimum-coverage rate in Lincoln is $34 per month, and its average full-coverage rate is $81.
In this article
Cheapest car insurance in Lincoln
For cheap car insurance in Lincoln, most drivers will find the best deal at GEICO, which offers an average rate of $43 a month for minimum coverage.
USAA is even more affordable, but only for those who qualify. There, military members and their families can enjoy an average monthly rate of $34 for minimum coverage.
| Company | Monthly rate |
|---|---|
| USAA | $34 |
| GEICO | $43 |
| American Family | $48 |
| Nationwide | $50 |
| Progressive | $53 |
| City Average | $57 |
| State Farm | $63 |
| Allstate | $65 |
| Mid-Century | $102 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Nebraska state law requires drivers to have at least a minimum amount of liability insurance. Those minimum requirements are:
- $25,000 for bodily injury to one person in an accident
- $50,000 for bodily injuries to more than one person in an accident
- $25,000 for property damage caused by the accident
Additionally, the state requires drivers to carry insurance for uninsured and underinsured motorists. The minimum requirement for this coverage is:
- $25,000 for bodily injury to one person in an accident
- $50,000 for bodily injuries to more than one person in an accident
Cheapest full-coverage car insurance in Lincoln
American Family has the cheapest full-coverage insurance for most drivers in Lincoln. The average policy costs $97 a month.
The citywide average for full-coverage insurance is $134, and several providers offer rates below that amount, including Nationwide, GEICO and Progressive.
Once again, USAA offers better rates for those who qualify. It charges an average of $81 a month.
| Company | Monthly rate |
|---|---|
| USAA | $81 |
| American Family | $97 |
| Nationwide | $106 |
| GEICO | $111 |
| Progressive | $127 |
| City Average | $134 |
| State Farm | $174 |
| Mid-Century | $186 |
| Allstate | $188 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance policy usually includes collision and comprehensive coverages, in addition to the minimum liability requirements. In Nebraska, drivers must also meet the state’s insurance requirements for uninsured and underinsured motorists.
No state law requires full-coverage insurance, but many lenders and lessors do. Additionally, it's often recommended for those with a new or expensive vehicle.
Find cheap car insurance in Lincoln
Cheapest car insurance for drivers with a DUI in Lincoln
The best car insurance rates for drivers with a DUI come from American Family. Drivers with one DUI on their record pay an average of $97 a month for full coverage from American Family.
Progressive and USAA trail behind American Family, charging $145 per month and $167 per month, respectively.
| Company | Monthly rate |
|---|---|
| USAA | $97 |
| American Family | $145 |
| Nationwide | $167 |
| GEICO | $189 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in Lincoln for drivers with accidents or tickets
The majority of drivers with an accident history will find the cheapest car insurance rates in Lincoln at American Family. The provider charges $120 a month for full coverage, which is 33% cheaper than the next-cheapest non-USAA options.
Those options include GEICO, which charges $180 a month, and Nationwide, which charges $184. All averages are for drivers with one accident on their record.
| Company | Monthly rate |
|---|---|
| USAA | $119 |
| American Family | $120 |
| GEICO | $180 |
| Nationwide | $184 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Drivers in Lincoln with one speeding ticket on their record get the best and cheapest rates at American Family. In this case, the provider’s average cost — $97 per month for full coverage — is actually cheaper than USAA.
A speeding ticket increases a driver’s full-coverage rate by an average of 22%, from $134 to $163.
| Company | Monthly rate |
|---|---|
| American Family | $97 |
| USAA | $101 |
| GEICO | $123 |
| Nationwide | $159 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teen drivers in Lincoln
GEICO has the cheapest car insurance rates for most teen drivers in Lincoln. For 18-years-olds with a clean driving record, the company charges $144 a month for minimum coverage — that’s well below the citywide average of $202.
USAA has better rates for teens who qualify, while American Family and Allstate also present solid options.
| Company | Monthly rate |
|---|---|
| USAA | $92 |
| GEICO | $144 |
| American Family | $147 |
| Allstate | $158 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
American Family has the best full-coverage rates for most teens. The provider offers policies at an average of $261 a month. Again, those rates are for 18-year-olds with a clean record.
Insurance for teen drivers in Lincoln is much more costly than in the city overall. The average full-coverage rate for an 18-year-old is $434 a month, which is 224% more than the city average of $134.
| Company | Monthly rate |
|---|---|
| USAA | $202 |
| GEICO | $261 |
| American Family | $364 |
| Allstate | $385 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for senior drivers in Lincoln
The majority of seniors in Lincoln can find the cheapest car insurance at Nationwide. For a 60-year-old with a clean record, the company charges a monthly average of $43.
GEICO and American Family trail just behind in terms of offering cheap senior car insurance, charging $44 a month and $45 a month respectively.
| Company | Monthly rate |
|---|---|
| USAA | $32 |
| Nationwide | $43 |
| GEICO | $44 |
| American Family | $45 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Nationwide offers the cheapest full-coverage car insurance rates to Lincoln seniors, too. With the exception of those who qualify for USAA, Nationwide presents the cheapest option, with an average price of $87 per month.
Again, these rates are for a 60-year-old with a clean driving record.
| Company | Monthly rate |
|---|---|
| USAA | $73 |
| Nationwide | $87 |
| American Family | $90 |
| Progressive | $101 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Lincoln car insurance requirements
In Nebraska, minimum-coverage car insurance must include at least 25/50/25 liability coverage, which means:
- $25,000 for bodily injury to one person in an accident
- $50,000 for bodily injuries to more than one person in an accident
- $25,000 for property damage caused by the accident
Additionally, Nebraska drivers must carry insurance for both uninsured and underinsured motorists. The minimum requirement for both coverages is $25,000 for one person involved in an accident and $50,000 for multiple people.
Full coverage, meanwhile, typically includes collision and comprehensive coverage on top of the minimum requirements. Drivers may also add coverage for expenses like rental cars, towing and more.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Lincoln ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Nebraska’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Lincoln
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