+120 more)
)
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
Lincoln drivers pay an average of $97 per month for car insurance, according to Compare.com data. Despite being Nebraska’s capital and its second-largest city, Lincoln’s car insurance rates fall below the national average.[1] Drivers likely enjoy lower rates due to the state’s low accident rates.[2]
Surprisingly, you can find rates well below the citywide average with insurers like Auto-Owners, American Family, and National General, with the cheapest liability coverage starting at $40 per month, according to our data.
Let’s explore the cheapest insurers in Lincoln for different driver types. We’ll also show you how to pick the right company and how to save on your car insurance.
Auto-Owners offers the lowest average monthly rate in Lincoln, at $40.
The average cost for liability coverage in Lincoln is $71, while full coverage averages $122.
Nebraska requires drivers to have at least 25/50/25 in liability coverage and 25/50 in uninsured and underinsured motorist protection.
No matter the average car insurance rates in Lincoln, you can still find ways to save. Several insurers offer prices well below the citywide average — you just need to know where to look.
We’ll start you off with the cheapest insurers in Lincoln in the table below.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $40 |
| American Family | $55 |
| National General | $56 |
| USAA | $61 |
| GEICO | $64 |
| Allstate | $67 |
| State Farm | $69 |
| Safeco | $71 |
| Root | $72 |
| The General | $73 |
| AssuranceAmerica | $74 |
| Bristol West | $90 |
| Nationwide | $93 |
| Liberty Mutual | $97 |
| Dairyland | $103 |
| Foremost | $111 |
| Farmers | $114 |
| Shelter | $117 |
Auto-Owners stands out as the cheapest company, with an average liability rate of $40 per month, according to our data.
In the next sections, we’ll break down the cheapest companies for different types of drivers and coverage needs so you can see where you might find the best deal.
The companies above are a great starting point, but rates can vary greatly depending on factors like your age, driving history, and ZIP code. That’s why it’s important to compare rates for people with a similar background to yours.
Here’s a table showing the cheapest companies for a variety of driver profiles and coverage levels, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $40 |
| Full coverage | Auto-Owners | $82 |
| Teens | Auto-Owners | $86 |
| Seniors | Auto-Owners | $31 |
| Drivers with a speeding ticket | Auto-Owners | $53 |
| Drivers with an at-fault accident | Auto-Owners | $53 |
| Drivers with a DUI | Auto-Owners | $56 |
| Drivers with excellent credit | Auto-Owners | $32 |
| Drivers with poor credit | Auto-Owners | $60 |
You’ll find more details for each driver type in the sections below.
Policies in Lincoln start as low as $40 per month.
The average rate for minimum coverage in Lincoln is $71 per month, according to Compare.com data. Most experts recommend buying more coverage than the state requires, since minimum limits often aren’t enough to fully protect you financially if you’re in a serious accident.[3]
But if you just need the basics to meet Nebraska’s requirements, check out the five cheapest companies in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $40 |
| American Family | $55 |
| National General | $56 |
| USAA | $61 |
| GEICO | $64 |
| Allstate | $67 |
| State Farm | $69 |
| Safeco | $71 |
| Root | $72 |
| The General | $73 |
| AssuranceAmerica | $74 |
| Bristol West | $90 |
| Nationwide | $93 |
| Liberty Mutual | $97 |
| Dairyland | $103 |
| Foremost | $111 |
| Farmers | $114 |
| Shelter | $117 |
Full-coverage car insurance is often the best choice for many drivers, since it protects you from more than just the damage you cause to others. This type of policy usually includes collision and comprehensive, which cover damage to your own car from accidents, severe weather, and theft.
Though it’s typically optional, your lender will require a full-coverage policy if you have a car loan or lease.[4] Lincoln drivers pay an average of $122 per month for full coverage. Even though full coverage costs more, you can get a policy for close to what you’d pay for liability insurance.
Below, you’ll find five of the cheapest insurers in Lincoln for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $82 |
| National General | $112 |
| American Family | $115 |
| USAA | $128 |
| Root | $129 |
| GEICO | $133 |
| Safeco | $136 |
| Allstate | $140 |
| State Farm | $144 |
| AssuranceAmerica | $151 |
| Liberty Mutual | $171 |
| The General | $190 |
| Nationwide | $193 |
| Bristol West | $197 |
| Dairyland | $223 |
| Farmers | $238 |
| Shelter | $243 |
| Foremost | $259 |
If you’re a teen driver, be prepared to pay higher rates than other age groups. Teens pay more because they don’t have much driving experience, are more likely to practice risky driving behaviors, and tend to get into more car accidents.[5] On average, teens pay nearly double what drivers 20 or older pay, according to our research.
The average teen in Lincoln pays $204 per month for coverage. Still, it’s possible to find a good deal if you shop around.
Here are the five cheapest insurers in Lincoln for teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $86 |
| American Family | $112 |
| National General | $122 |
| USAA | $122 |
| GEICO | $124 |
| Root | $135 |
| The General | $138 |
| Allstate | $142 |
| State Farm | $144 |
| Safeco | $153 |
| AssuranceAmerica | $164 |
| Bristol West | $174 |
| Liberty Mutual | $185 |
| Dairyland | $191 |
| Nationwide | $195 |
| Farmers | $243 |
| Shelter | $249 |
Seniors tend to have the cheapest rates of any age group, mostly because they have more experience behind the wheel and get into fewer crashes. But crash rates increase for drivers older than 70 because of age-related issues, such as vision, cognitive impairments, and decreased motor function.[6]
Seniors in Lincoln pay a monthly average of $80 for car insurance, but you can probably find an even better deal from several companies.
The chart below shows the five cheapest companies in Lincoln for seniors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $31 |
| American Family | $43 |
| National General | $43 |
| USAA | $48 |
| GEICO | $50 |
| State Farm | $53 |
| Allstate | $53 |
| AssuranceAmerica | $56 |
| Root | $59 |
| The General | $60 |
| Safeco | $61 |
| Nationwide | $69 |
| Bristol West | $73 |
| Liberty Mutual | $79 |
| Shelter | $81 |
| Dairyland | $85 |
| Farmers | $88 |
Don’t take a speeding ticket lightly. It can cause your rates to go up when your policy renews. Insurers see tickets as a sign you’re more likely to file a claim in the future. Our research shows that a single speeding ticket increases rates by 28% nationwide.
Lincoln drivers with a recent ticket pay around $124 per month for insurance. If you have a ticket on your record, it’s possible to get a lower rate. The chart below highlights insurers in Lincoln offering affordable rates after a ticket.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $53 |
| National General | $70 |
| American Family | $72 |
| USAA | $80 |
| GEICO | $85 |
| Allstate | $88 |
| State Farm | $89 |
| Safeco | $94 |
| AssuranceAmerica | $95 |
| Root | $97 |
| The General | $99 |
| Bristol West | $114 |
| Nationwide | $122 |
| Liberty Mutual | $125 |
| Dairyland | $130 |
| Farmers | $148 |
| Shelter | $157 |
If you cause a car accident, your rates will also increase. An at-fault accident signals that you’re more likely to need to file a claim in the future, so insurers will charge you more for coverage.[7] A single at-fault accident causes average rates to increase by 33% nationwide, according to our research.
The average rate for drivers with a recent accident in Lincoln is $127 per month, but you can often find a better deal with one of the five insurers highlighted in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $53 |
| American Family | $73 |
| National General | $74 |
| USAA | $81 |
| GEICO | $83 |
| Allstate | $89 |
| State Farm | $91 |
| Root | $96 |
| AssuranceAmerica | $98 |
| Safeco | $99 |
| The General | $100 |
| Bristol West | $118 |
| Nationwide | $124 |
| Liberty Mutual | $128 |
| Dairyland | $136 |
| Farmers | $151 |
| Shelter | $157 |
If an officer catches you driving under the influence (DUI), you’ll face a variety of penalties, including a sharp increase in your auto insurance rates — much higher than for a ticket or accident. In fact, average rates increase by 59% nationwide after a DUI conviction, according to our data.
Even worse, a DUI can also make it difficult to find auto coverage.[8] Fortunately, you won’t pay high rates forever. Some insurers specialize in helping high-risk drivers.
In Lincoln, the average rate after a DUI is $126 per month. Check out the five cheapest insurers in Lincoln for drivers with a DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $56 |
| American Family | $77 |
| National General | $78 |
| USAA | $85 |
| GEICO | $88 |
| Allstate | $93 |
| State Farm | $96 |
| Root | $101 |
| The General | $102 |
| AssuranceAmerica | $103 |
| Safeco | $105 |
| Bristol West | $125 |
| Nationwide | $130 |
| Liberty Mutual | $135 |
| Dairyland | $143 |
| Farmers | $159 |
| Shelter | $163 |
Some car insurance companies factor in your credit history when calculating your auto coverage. Insurers look at your credit-based insurance score (not your credit score), which helps them predict the likelihood of you paying bills on time or filing a claim.[9]
Drivers with poor credit pay an average of 40% more for car insurance than drivers with excellent credit. In Lincoln, drivers with poor credit pay an average of $121 per month.
Though it’s legal for companies to consider credit history in some states, not all companies use credit. And regardless of your credit history, you can find affordable rates. Here are the five cheapest insurers in Lincoln for drivers with bad credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $60 |
| American Family | $66 |
| National General | $69 |
| USAA | $75 |
| GEICO | $79 |
| Allstate | $83 |
| Safeco | $87 |
| Root | $89 |
| The General | $90 |
| AssuranceAmerica | $91 |
| State Farm | $99 |
| Bristol West | $111 |
| Nationwide | $115 |
| Liberty Mutual | $116 |
| Dairyland | $127 |
| Farmers | $140 |
| Shelter | $144 |
Compare personalized quotes from Lincoln’s top insurers.
)
Like most states, you’ll need car insurance in Nebraska. The state requires you to have a minimum amount of auto coverage to get behind the wheel. Here’s what you need to stay legal, according to the Nebraska Legislature:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident[10]
Minimum coverage in Nebraska is what you need just to meet the state’s legal car insurance requirements, but it usually isn’t enough to protect you financially if you get into a serious car accident. That’s why Nebraska’s Department of Insurance also suggests considering higher limits to better protect your assets.[11]
For example, causing a serious accident can easily exceed your minimum coverage limits. If you’re seriously hurt or have serious vehicle damage, your coverage wouldn’t cover any of your damages or injuries. You’d have to pay out of pocket, which can be a financial disaster.
And remember, if you finance or lease your car, your lender will require you to have comprehensive and collision coverage, too.
Compare personalized quotes from Lincoln’s top insurers.
If you’re in search of auto insurance in Lincoln, we’ve answered common questions drivers have about car insurance to help you find the best coverage for your situation.
Lincoln drivers pay an average of $97 per month for car insurance, according to our data. The average cost for liability coverage in Lincoln is $71 per month, while full coverage averages $122.
Your personal costs for car insurance depend on unique factors such as your driving history and where you live. For context, the average rate in Lincoln is $97 per month, according to our research. That’s cheaper than the national average of $136.
Drivers in Lincoln can get the cheapest rates from Auto-Owners, at an average monthly rate of $40, according to our data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.