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Cheap Car Insurance in Lincoln, Nebraska

Illustration of van driving by Freeway Insurance headquarters

As the capital of Nebraska, Lincoln offers an excellent combination of university living, deep history, and a charming atmosphere. Lincoln’s most popular attractions include the Sunken Gardens, Sheldon Museum of Art, the University of Nebraska in downtown Lincoln, and the Historic Haymarket District with its excellent culinary scene and thriving nightlife.

All Lincoln drivers must have an active auto insurance policy to drive in the state. Failure to provide proof of insurance at a traffic stop can result in severe consequences. Keep reading to learn more about Nebraska car insurance, including the number of fatal car crashes (2019), ways to save on your next bill, and average rates paid by age and zip code in the area.

Quick Facts

  • Lincoln is the capital of Nebraska
  • Lincoln has a population of 291,082 (2020 census)
  • In 1869, President Abraham Lincoln renamed the city from “Lancaster” to “Lincoln”
  • The biggest collection of elephant skeletons in the world is located in Lincoln

How Much Does Car Insurance Cost in Lincoln, Nebraska?

In Lincoln, drivers pay an average monthly rate of $116 for full coverage car insurance, lower than the national average of $140 and lower than the state average at $128. The cheapest car insurance in Lincoln, Nebraska is the state-required minimum liability car insurance, which averages $43 per month. That compares to $47 nationally and $28 for the state of Nebraska.

Several items to consider when looking at average car insurance prices in Nebraska include:

Rural Drivers Insurance

Nebraska drivers who live in remote and rural areas will pay less for car insurance, since there is less congestion leading to a decrease in car wrecks, as well as claims for vehicle-related crime such as car theft.

Full Coverage Insurance

Full coverage care insurance is the highest level of basic coverage you can get for yourself and your vehicle. It consists of the state’s minimum required liability car insurance, plus comprehensive car insurance, which covers you for events that happen to your car outside of a wreck, including theft and weather-related damage and collision auto insurance, which pays for repairs to your vehicle after a wreck no matter who caused the accident. There are also other optional car insurance types you can add for additional protection.

State Minimum Insurance

The state-required minimum car insurance in Nebraska consists of bodily injury/death liability insurance, property damage liability insurance and uninsured motorist coverage. Most people will not pay $43 per month unless they have a stellar driving record, plus other factors.

For average monthly car insurance prices by nearby cities to Lincoln, view our breakdown below:

City Full Coverage Insurance Liability Insurance Coverage
Lincoln $116 $43
Bellevue $119 $44
Grand Island $114 $34
Omaha $159 $55

Affordable Car Insurance Rates by Zip Code in Lincoln, NE

The higher the number of moving violations, thefts, and other anti-insurance behavior in a zip code, the higher the rates those resident will pay for car insurance.

For average monthly car insurance prices by zip code in Lincoln, view our breakdown below:

Zip Code Full Coverage Insurance Liability Insurance Coverage
68501 $116 $43
68502 $110 $42
68503 $112 $42
68504 $112 $42
68505 $107 $40
68506 $109 $42
68507 $108 $41
68508 $111 $42
68510 $110 $42
68512 $106 $41
68514 $112 $40
68516 $109 $42
68517 $116 $40
68520 $111 $43
68521 $109 $40
68522 $108 $40
68523 $111 $40
68524 $112 $41
68526 $111 $42
68527 $114 $40
68528 $109 $41
68532 $109 $39

Low-Cost Car Insurance Rates by Age in Lincoln, NE

Generally, the younger you are, the higher your monthly premiums. Insurance companies look at groups to come up with their risk factors. Young drivers tend to have more accidents and citations, as well as having no driving history. As a result, their overall rates are higher. Younger drivers who are in school can mitigate the high prices somewhat by maintaining a good grade point average – many insurers will give a car insurance discount for that.

For average monthly car insurance prices by age in Lincoln, view our breakdown below:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $439 $183
20s $129 $47
30s $116 $43
40s $108 $42
50s $99 $39
60s $99 $41
70s $126 $53

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Nebraska. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase. 

Get a Quote for Car Insurance in Nebraska Today!

Driving Conditions in Lincoln, Nebraska

How Many Fatal Accidents Happen in Lincoln, NE?

In 2019, there were 20 fatal road traffic accidents in Lincoln, resulting in 20 fatalities and involving 32 total vehicles.

How Are the Road Infrastructure and Bridges in Lincoln, NE?

Lincoln’s Transportation and Utilities department works to maintain road infrastructure and bridges around the city. Recent projects include the closure of Vine street for tree removal, concrete repairs on North 14th St, and repairs for a Lincoln Transportation and Utilities (LTU) stormwater pipe maintenance project at the intersection of South 56th Street and Old Cheney Road.

For more information on Lincoln’s infrastructure projects, visit City of Lincoln Nebraska – LTU Projects.

Minimum Car Insurance Requirements in Lincoln, Nebraska

Your auto insurance policy must meet these minimum liability insurance limits if you are a Lincoln driver.

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident
  • $25,000 bodily injury per person (uninsured/underinsured coverage)
  • $50,000 bodily injury per accident (uninsured/underinsured coverage)

We highly recommend seeking auto insurance coverage with full coverage. Full coverage auto insurance policies entail comprehensive and collision insurance, which pays for additional damages that can occur in an accident, including rollovers, theft, vandalism, and fire. Owning only a state minimum liability policy will not give you the protection you deserve.

What Are the Penalties for Driving Without Insurance in Lincoln, NE?

Driving without car insurance in Lincoln is classified as a Class II Misdemeanor, resulting in an instant license/registration suspension. Once you provide proof of insurance, you will also have to pay a $50 license reinstatement fee and a $50 registration renewal fee.

Nebraska also requires the filing of an SR-22 certificate for three years after a conviction for driving without insurance. Your driver’s license, registration and car license plates will be suspended until you comply with the court order and furnish proof of SR-22 insurance.

Factors Allowed in Determining Car Insurance Rates in Lincoln, NE

Lincoln insurance carriers use the three most significant factors to determine your monthly premium: age/gender, zip code of residence, and driving history.

Other factors affecting Lincoln car insurance rates include:

  • Marital status
  • Credit score
  • Education
  • Occupation
  • Make and model of vehicle
  • Liability limits and deductible amount

Don’t forget to let your insurance carrier know your life circumstances change. Even changing to a new zip or switching out your late model for an older vehicle could save you $400 to $500 a year.

Discounts for Car Insurance in Lincoln, Nebraska

All insurance carriers offer their own discounts. These discounts are extended to qualifying drivers who have a clean driving record for the past three to five years, drive an older make and model, install anti-theft devices in-vehicle, and bundle their auto and homeowners insurance policy for savings on each one. Do not forget customer retention discounts as well.

Here are some of the most common car insurance discounts in Lincoln:

We highly recommend calling your auto insurance every six months to see if you qualify for new discounts. We also advise shopping around for a carrier with better rates and discounts. It doesn’t hurt to comparison shop every few months to ensure you are paying the best rate.

Get a Quote for Low-Cost Car Insurance Online in Lincoln Today!

Aerial view of Lincoln, Nebraska in fall

At Freeway Insurance, we can quickly get you started with an affordable auto insurance policy. Now you have all the info you need regarding car insurance in Lincoln to make an informed decision.

To get started, request a free car insurance quote online, visit a Lincoln office near you, or call us at 800-777-5620 for a quote today!