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American National P&C offers the best and cheapest full and minimum coverage auto insurance in Lincoln. It is also the cheapest option for drivers with traffic offenses and those with a military background. Allstate provides teen drivers with the cheapest car insurance in the city, while Shelter is our pick for the best customer service. Your requirements and driver profile may determine which company is the most affordable for you.

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2023

Cheapest and Best Car Insurance in Lincoln, NE

Cheapest Minimum Liability Car Insurance in Lincoln

The following companies offer the cheapest minimum coverage auto insurance in Lincoln:

  • American National P&C: $153 per year
  • Auto-Owners Insurance Co: $252 per year

With an average annual premium of $599, Allstate offers the most expensive minimum coverage car insurance in Lincoln. American National P&C is also the cheapest auto insurance provider in Nebraska at $138 per year as of October 2022. The company’s rate in Lincoln illustrates how location can affect the cost of insurance.

Company
Annual Premium
Monthly Premium

American National P&C

$153

$13

American National P&C

$173

$14

American National P&C

$181

$15

Auto-Owners Insurance Co

$252

$21

Auto-Owners Insurance Co

$258

$21

Farmers Mutual of Nebraska

$274

$23

Farmers Mutual of Nebraska

$305

$25

GEICO

$313

$26

GEICO

$332

$28

Progressive

$338

$28

Auto-Owners Insurance Co

$340

$28

GEICO

$354

$30

Progressive

$358

$30

Iowa Farm Bureau

$364

$30

American National P&C

$366

$31

American National P&C

$373

$31

Farmers Mutual of Nebraska

$407

$34

Iowa Farm Bureau

$418

$35

State Farm

$423

$35

Progressive

$435

$36

AAA

$436

$36

IMT Insurance Company

$439

$37

IMT Insurance Company

$444

$37

State Farm

$448

$37

AAA

$455

$38

Iowa Farm Bureau

$462

$38

American National P&C

$462

$39

Shelter

$477

$40

State Farm

$541

$45

Farmers

$571

$48

AAA

$581

$48

Shelter

$586

$49

Allstate

$592

$49

Allstate

$599

$50

Farmers

$615

$51

Auto-Owners Insurance Co

$616

$51

Auto-Owners Insurance Co

$653

$54

IMT Insurance Company

$654

$55

Allstate

$668

$56

Farmers

$680

$57

Farmers Mutual of Nebraska

$703

$59

GEICO

$730

$61

GEICO

$774

$65

GEICO

$787

$66

Farmers Mutual of Nebraska

$831

$69

IMT Insurance Company

$842

$70

Shelter

$869

$72

Iowa Farm Bureau

$873

$73

IMT Insurance Company

$877

$73

Auto-Owners Insurance Co

$893

$74

Shelter

$915

$76

Allstate

$932

$78

AAA

$967

$81

Allstate

$986

$82

Iowa Farm Bureau

$1,000

$83

AAA

$1,032

$86

Progressive

$1,042

$87

Shelter

$1,063

$89

Farmers

$1,070

$89

Iowa Farm Bureau

$1,075

$90

Farmers

$1,079

$90

Farmers Mutual of Nebraska

$1,118

$93

IMT Insurance Company

$1,151

$96

Progressive

$1,152

$96

Allstate

$1,163

$97

State Farm

$1,171

$98

Farmers

$1,267

$106

State Farm

$1,282

$107

Progressive

$1,427

$119

AAA

$1,470

$122

Shelter

$1,629

$136

State Farm

$1,639

$137

State law establishes the liability limits for minimum coverage insurance. In Nebraska, minimum coverage includes the following:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

In the event of an accident, liability-only insurance covers the cost of damages to third parties. The insurance policy will cover medical expenditures up to $25,000 per person, $50,000 per accident and $25,000 for personal injury protection, regardless of the number of passengers involved. You will be responsible for any expenses that exceed these limits.

Cheapest Full Coverage Car Insurance in Lincoln

The following providers offer the cheapest full coverage auto insurance to Lincoln drivers:

  • American National P&C: $373 per year
  • Auto-Owners Insurance Co: $653 per year

State Farm is the most expensive provider of full coverage, at $1,282 annually. American National P&C also offers the cheapest full coverage auto insurance in Nebraska as of October 2022, with an annual average cost of $405, slightly higher than Lincoln’s rate.

Company
Annual Premium
Monthly Premium

American National P&C

$153

$13

American National P&C

$173

$14

American National P&C

$181

$15

Auto-Owners Insurance Co

$252

$21

Auto-Owners Insurance Co

$258

$21

Farmers Mutual of Nebraska

$274

$23

Farmers Mutual of Nebraska

$305

$25

GEICO

$313

$26

GEICO

$332

$28

Progressive

$338

$28

Auto-Owners Insurance Co

$340

$28

GEICO

$354

$30

Progressive

$358

$30

Iowa Farm Bureau

$364

$30

American National P&C

$366

$31

American National P&C

$373

$31

Farmers Mutual of Nebraska

$407

$34

Iowa Farm Bureau

$418

$35

State Farm

$423

$35

Progressive

$435

$36

AAA

$436

$36

IMT Insurance Company

$439

$37

IMT Insurance Company

$444

$37

State Farm

$448

$37

AAA

$455

$38

Iowa Farm Bureau

$462

$38

American National P&C

$462

$39

Shelter

$477

$40

State Farm

$541

$45

Farmers

$571

$48

AAA

$581

$48

Shelter

$586

$49

Allstate

$592

$49

Allstate

$599

$50

Farmers

$615

$51

Auto-Owners Insurance Co

$616

$51

Auto-Owners Insurance Co

$653

$54

IMT Insurance Company

$654

$55

Allstate

$668

$56

Farmers

$680

$57

Farmers Mutual of Nebraska

$703

$59

GEICO

$730

$61

GEICO

$774

$65

GEICO

$787

$66

Farmers Mutual of Nebraska

$831

$69

IMT Insurance Company

$842

$70

Shelter

$869

$72

Iowa Farm Bureau

$873

$73

IMT Insurance Company

$877

$73

Auto-Owners Insurance Co

$893

$74

Shelter

$915

$76

Allstate

$932

$78

AAA

$967

$81

Allstate

$986

$82

Iowa Farm Bureau

$1,000

$83

AAA

$1,032

$86

Progressive

$1,042

$87

Shelter

$1,063

$89

Farmers

$1,070

$89

Iowa Farm Bureau

$1,075

$90

Farmers

$1,079

$90

Farmers Mutual of Nebraska

$1,118

$93

IMT Insurance Company

$1,151

$96

Progressive

$1,152

$96

Allstate

$1,163

$97

State Farm

$1,171

$98

Farmers

$1,267

$106

State Farm

$1,282

$107

Progressive

$1,427

$119

AAA

$1,470

$122

Shelter

$1,629

$136

State Farm

$1,639

$137

A full coverage policy increases the limits of liability-only insurance and adds comprehensive and collision coverage.

  • Collision coverage: Helps pay for damage to your vehicle caused by a collision with another car or an object.
  • Comprehensive coverage: Helps cover costs for damage to your vehicle caused by something other than an accident, such as a natural disaster or theft.

New vehicle owners generally benefit from carrying full coverage insurance. However, those with older, low-value cars may not find a full coverage policy cost-effective.

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Cheapest Car Insurance in Lincoln After a Driving Offense

American National P&C offers Lincoln drivers with offenses the cheapest auto insurance rates:

  • Speeding ticket: American National P&C ($432 per year)
  • At-fault accident: American National P&C ($493 per year)
  • DUI: American National P&C ($547 per year)

While Shelter offers the highest rates for drivers after a speeding ticket ($1,997) or an accident ($2,248), AAA is the most expensive company for drivers with a DUI ($4,065). Since driving offenses can impact rates, even the cheapest auto insurance policy may cost significantly more following a violation.

Company
Annual Premium
Monthly Premium

American National P&C

$183

$15

American National P&C

$208

$17

American National P&C

$216

$18

American National P&C

$217

$18

American National P&C

$243

$20

American National P&C

$244

$20

American National P&C

$256

$21

American National P&C

$277

$23

Auto-Owners Insurance Co

$283

$24

American National P&C

$287

$24

Auto-Owners Insurance Co

$290

$24

Farmers Mutual of Nebraska

$301

$25

GEICO

$313

$26

Auto-Owners Insurance Co

$320

$27

Auto-Owners Insurance Co

$326

$27

GEICO

$332

$28

Farmers Mutual of Nebraska

$334

$28

Farmers Mutual of Nebraska

$334

$28

GEICO

$354

$30

Farmers Mutual of Nebraska

$373

$31

Auto-Owners Insurance Co

$380

$32

Progressive

$395

$33

Progressive

$420

$35

American National P&C

$429

$36

Auto-Owners Insurance Co

$432

$36

American National P&C

$432

$36

Progressive

$445

$37

Farmers Mutual of Nebraska

$445

$37

Iowa Farm Bureau

$457

$38

State Farm

$467

$39

State Farm

$467

$39

Progressive

$471

$39

Progressive

$479

$40

American National P&C

$493

$41

GEICO

$495

$41

State Farm

$495

$41

State Farm

$495

$41

Farmers Mutual of Nebraska

$496

$41

American National P&C

$497

$41

IMT Insurance Company

$511

$43

State Farm

$512

$43

IMT Insurance Company

$516

$43

Progressive

$519

$43

Iowa Farm Bureau

$525

$44

American National P&C

$537

$45

State Farm

$542

$45

Farmers Mutual of Nebraska

$546

$46

American National P&C

$547

$46

American National P&C

$554

$46

Iowa Farm Bureau

$560

$47

GEICO

$567

$47

Iowa Farm Bureau

$580

$48

Auto-Owners Insurance Co

$591

$49

Auto-Owners Insurance Co

$594

$50

State Farm

$598

$50

State Farm

$598

$50

Farmers Mutual of Nebraska

$609

$51

Progressive

$618

$52

American National P&C

$619

$52

Allstate

$643

$54

Iowa Farm Bureau

$645

$54

Allstate

$651

$54

State Farm

$655

$55

GEICO

$660

$55

Progressive

$677

$56

Progressive

$689

$57

American National P&C

$689

$57

Farmers

$697

$58

Iowa Farm Bureau

$712

$59

Auto-Owners Insurance Co

$719

$60

AAA

$728

$61

GEICO

$730

$61

Allstate

$731

$61

Allstate

$732

$61

Iowa Farm Bureau

$734

$61

Allstate

$743

$62

AAA

$747

$62

Allstate

$748

$62

Allstate

$760

$63

IMT Insurance Company

$764

$64

IMT Insurance Company

$765

$64

Auto-Owners Insurance Co

$765

$64

Farmers Mutual of Nebraska

$772

$64

IMT Insurance Company

$772

$64

GEICO

$774

$65

GEICO

$787

$66

AAA

$792

$66

Auto-Owners Insurance Co

$795

$66

Farmers

$798

$67

Farmers

$802

$67

Farmers

$805

$67

GEICO

$807

$67

Farmers Mutual of Nebraska

$810

$68

AAA

$811

$68

Auto-Owners Insurance Co

$815

$68

Auto-Owners Insurance Co

$844

$70

Farmers

$844

$70

Iowa Farm Bureau

$844

$70

Allstate

$845

$70

Farmers Mutual of Nebraska

$857

$71

GEICO

$862

$72

Allstate

$866

$72

Shelter

$900

$75

Farmers Mutual of Nebraska

$911

$76

Farmers

$912

$76

Farmers

$923

$77

Iowa Farm Bureau

$935

$78

AAA

$947

$79

Farmers

$953

$79

Farmers

$955

$80

IMT Insurance Company

$974

$81

Farmers Mutual of Nebraska

$1,011

$84

Allstate

$1,015

$85

IMT Insurance Company

$1,015

$85

GEICO

$1,025

$85

Shelter

$1,025

$85

AAA

$1,026

$85

Auto-Owners Insurance Co

$1,045

$87

IMT Insurance Company

$1,048

$87

IMT Insurance Company

$1,060

$88

Allstate

$1,073

$89

Iowa Farm Bureau

$1,095

$91

Shelter

$1,107

$92

Shelter

$1,122

$94

IMT Insurance Company

$1,153

$96

Allstate

$1,156

$96

GEICO

$1,158

$97

Auto-Owners Insurance Co

$1,160

$97

Allstate

$1,185

$99

Allstate

$1,222

$102

Farmers Mutual of Nebraska

$1,227

$102

Progressive

$1,248

$104

Allstate

$1,251

$104

Iowa Farm Bureau

$1,254

$105

Progressive

$1,262

$105

Shelter

$1,262

$105

State Farm

$1,276

$106

State Farm

$1,276

$106

Allstate

$1,276

$106

GEICO

$1,323

$110

IMT Insurance Company

$1,339

$112

Iowa Farm Bureau

$1,343

$112

Iowa Farm Bureau

$1,349

$112

Auto-Owners Insurance Co

$1,353

$113

Farmers Mutual of Nebraska

$1,363

$114

Farmers

$1,370

$114

Shelter

$1,379

$115

State Farm

$1,380

$115

State Farm

$1,394

$116

State Farm

$1,394

$116

Farmers Mutual of Nebraska

$1,396

$116

Progressive

$1,415

$118

Progressive

$1,416

$118

Auto-Owners Insurance Co

$1,421

$118

Farmers

$1,428

$119

GEICO

$1,463

$122

Allstate

$1,469

$122

IMT Insurance Company

$1,480

$123

Farmers

$1,496

$125

State Farm

$1,505

$125

Allstate

$1,509

$126

AAA

$1,528

$127

Shelter

$1,530

$128

Progressive

$1,538

$128

Iowa Farm Bureau

$1,538

$128

IMT Insurance Company

$1,545

$129

Farmers

$1,557

$130

Farmers

$1,562

$130

Farmers

$1,576

$131

IMT Insurance Company

$1,591

$133

AAA

$1,615

$135

Shelter

$1,628

$136

AAA

$1,637

$136

Farmers

$1,638

$137

Farmers Mutual of Nebraska

$1,650

$138

Iowa Farm Bureau

$1,655

$138

Farmers

$1,685

$140

Progressive

$1,693

$141

AAA

$1,725

$144

Shelter

$1,747

$146

Farmers

$1,754

$146

Iowa Farm Bureau

$1,762

$147

State Farm

$1,788

$149

State Farm

$1,788

$149

IMT Insurance Company

$1,809

$151

Shelter

$1,830

$153

Progressive

$1,841

$153

Progressive

$1,858

$155

IMT Insurance Company

$1,878

$157

GEICO

$1,886

$157

Shelter

$1,905

$159

State Farm

$1,937

$161

Shelter

$1,997

$166

GEICO

$2,009

$167

Auto-Owners Insurance Co

$2,010

$167

Iowa Farm Bureau

$2,020

$168

Shelter

$2,039

$170

IMT Insurance Company

$2,041

$170

Progressive

$2,124

$177

Iowa Farm Bureau

$2,174

$181

Farmers Mutual of Nebraska

$2,223

$185

AAA

$2,234

$186

AAA

$2,242

$187

AAA

$2,244

$187

Shelter

$2,248

$187

GEICO

$2,267

$189

AAA

$2,369

$197

Shelter

$2,504

$209

IMT Insurance Company

$2,571

$214

Shelter

$2,751

$229

AAA

$2,805

$234

Shelter

$3,100

$258

Shelter

$3,454

$288

AAA

$3,953

$329

AAA

$4,065

$339

AAA

$5,239

$437

Expect insurance prices to increase according to the severity of the offense. In Lincoln, the average rate increase after a speeding ticket is $264. After a DUI, however, rates spike by an average of $892. However, it is possible to obtain cheap auto insurance with a bad driving record if you shop around.

Cheapest Car Insurance in Lincoln for Teens and Their Families

The following companies offer the cheapest auto insurance in Lincoln for 16-year-old teen drivers on a family policy:

  • Allstate: $1,911 per year for female and male teens
  • GEICO: $2,062 per year for female teens
  • Progressive: $2,290 per year for male teens

State Farm is the most expensive insurer for adding a teen to a family policy, charging $2,998 per year for a female teen and $3,826 per year for a male teen. Companies often charge male teens higher rates because they are considered high-risk drivers. The gender-based premium difference drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$830

$1,517

GEICO

$842

$1,513

Auto-Owners Insurance Co

$859

$2,491

Auto-Owners Insurance Co

$888

$2,441

GEICO

$983

$1,798

GEICO

$1,001

$1,830

GEICO

$1,011

$2,248

GEICO

$1,060

$1,904

Auto-Owners Insurance Co

$1,089

$3,383

GEICO

$1,089

$2,369

Auto-Owners Insurance Co

$1,090

$2,994

Auto-Owners Insurance Co

$1,093

$3,169

Auto-Owners Insurance Co

$1,119

$3,867

GEICO

$1,135

$2,040

Auto-Owners Insurance Co

$1,146

$3,150

Allstate

$1,188

$2,157

Allstate

$1,188

$2,157

Auto-Owners Insurance Co

$1,189

$3,447

Auto-Owners Insurance Co

$1,204

$4,298

Auto-Owners Insurance Co

$1,215

$3,611

Allstate

$1,219

$1,699

Allstate

$1,219

$1,699

Allstate

$1,243

$3,975

Allstate

$1,243

$3,975

Farmers

$1,259

$2,161

GEICO

$1,271

$2,248

Allstate

$1,275

$1,777

Allstate

$1,275

$1,777

Allstate

$1,311

$1,968

Allstate

$1,311

$1,968

Auto-Owners Insurance Co

$1,324

$3,934

Auto-Owners Insurance Co

$1,332

$4,328

Allstate

$1,338

$1,865

Allstate

$1,338

$1,865

Farmers

$1,344

$2,400

Auto-Owners Insurance Co

$1,365

$4,873

Auto-Owners Insurance Co

$1,373

$5,529

Progressive

$1,429

$2,572

Allstate

$1,433

$2,997

Allstate

$1,433

$2,997

Allstate

$1,461

$2,653

Allstate

$1,461

$2,653

Progressive

$1,489

$3,368

Progressive

$1,489

$2,735

Progressive

$1,551

$2,791

Progressive

$1,591

$3,143

State Farm

$1,600

$4,469

GEICO

$1,607

$3,262

Progressive

$1,637

$2,946

GEICO

$1,638

$4,316

Progressive

$1,651

$3,032

Allstate

$1,687

$5,393

Allstate

$1,687

$5,393

GEICO

$1,706

$3,017

Progressive

$1,739

$3,675

Farmers

$1,757

$1,872

Progressive

$1,782

$4,143

GEICO

$1,787

$2,607

Farmers

$1,792

$1,910

Farmers

$1,795

$1,913

State Farm

$1,796

$5,016

Progressive

$1,816

$3,336

Farmers

$1,816

$2,047

Farmers

$1,840

$2,009

State Farm

$1,873

$5,122

Farmers

$1,873

$2,045

Progressive

$1,873

$9,173

State Farm

$1,882

$6,059

Farmers

$1,901

$2,076

Allstate

$1,911

$8,962

Allstate

$1,911

$8,962

Farmers

$1,924

$2,273

Progressive

$1,927

$5,153

State Farm

$1,961

$5,476

State Farm

$1,980

$6,564

Auto-Owners Insurance Co

$1,990

$4,807

Farmers

$2,010

$4,253

Progressive

$2,015

$4,558

GEICO

$2,020

$2,947

GEICO

$2,062

$6,296

GEICO

$2,075

$5,108

Progressive

$2,077

$10,840

Auto-Owners Insurance Co

$2,088

$6,327

Farmers

$2,093

$4,558

Progressive

$2,095

$10,350

State Farm

$2,131

$5,830

Farmers

$2,137

$8,518

Progressive

$2,144

$10,501

Auto-Owners Insurance Co

$2,155

$5,563

GEICO

$2,158

$5,684

Auto-Owners Insurance Co

$2,171

$5,243

GEICO

$2,192

$4,039

Progressive

$2,198

$5,946

State Farm

$2,245

$7,228

Farmers

$2,254

$9,196

Progressive

$2,254

$5,241

State Farm

$2,275

$7,543

State Farm

$2,276

$8,528

Progressive

$2,290

$11,989

Farmers

$2,292

$3,932

Auto-Owners Insurance Co

$2,315

$7,014

Auto-Owners Insurance Co

$2,320

$7,748

State Farm

$2,334

$6,384

Progressive

$2,348

$11,599

Farmers

$2,369

$9,442

Farmers

$2,384

$4,258

State Farm

$2,461

$8,026

Farmers

$2,510

$10,241

Farmers

$2,533

$12,323

State Farm

$2,614

$9,781

Farmers

$2,682

$13,392

GEICO

$2,842

$8,141

State Farm

$2,890

$10,798

State Farm

$2,898

$9,452

State Farm

$2,987

$11,175

State Farm

$2,998

$12,694

GEICO

$3,143

$7,737

State Farm

$3,345

$12,305

State Farm

$3,806

$13,998

State Farm

$3,826

$15,914

Purchasing an individual policy for a teen costs significantly more than adding them to a family policy. A male teen in Lincoln pays an average of $3,008 more for an individual than for a family policy. Families can save thousands by shopping around for the cheapest auto insurance for teens.

Cheapest Car Insurance in Lincoln for Military Drivers

In Lincoln, the following companies offer the cheapest car insurance for military personnel, veterans and their families:

  • American National P&C: $373 per year
  • Auto-Owners Insurance Co: $653 per year

With an average annual premium of $693, USAA is another excellent option for military-affiliated drivers.

The rates listed above are for full coverage policies. If you choose minimum coverage, American National P&C is also the most affordable carrier at $153 per year, followed by Auto-Owners Insurance Co at $252 per year.

Company
Annual Premium
Monthly Premium

American National P&C

$153

$13

American National P&C

$173

$14

American National P&C

$181

$15

Auto-Owners Insurance Co

$252

$21

Auto-Owners Insurance Co

$258

$21

USAA

$272

$23

Farmers Mutual of Nebraska

$274

$23

USAA

$279

$23

Farmers Mutual of Nebraska

$305

$25

GEICO

$313

$26

GEICO

$332

$28

Progressive

$338

$28

USAA

$340

$28

Auto-Owners Insurance Co

$340

$28

GEICO

$354

$30

Progressive

$358

$30

Iowa Farm Bureau

$364

$30

American National P&C

$366

$31

American National P&C

$373

$31

Farmers Mutual of Nebraska

$407

$34

Iowa Farm Bureau

$418

$35

State Farm

$423

$35

Progressive

$435

$36

AAA

$436

$36

IMT Insurance Company

$439

$37

IMT Insurance Company

$444

$37

State Farm

$448

$37

AAA

$455

$38

Iowa Farm Bureau

$462

$38

American National P&C

$462

$39

Shelter

$477

$40

State Farm

$541

$45

Farmers

$571

$48

AAA

$581

$48

Shelter

$586

$49

Allstate

$592

$49

Allstate

$599

$50

Farmers

$615

$51

Auto-Owners Insurance Co

$616

$51

Auto-Owners Insurance Co

$653

$54

IMT Insurance Company

$654

$55

Allstate

$668

$56

USAA

$669

$56

Farmers

$680

$57

USAA

$693

$58

Farmers Mutual of Nebraska

$703

$59

GEICO

$730

$61

GEICO

$774

$65

GEICO

$787

$66

Farmers Mutual of Nebraska

$831

$69

IMT Insurance Company

$842

$70

USAA

$849

$71

Shelter

$869

$72

Iowa Farm Bureau

$873

$73

IMT Insurance Company

$877

$73

Auto-Owners Insurance Co

$893

$74

Shelter

$915

$76

Allstate

$932

$78

AAA

$967

$81

Allstate

$986

$82

Iowa Farm Bureau

$1,000

$83

AAA

$1,032

$86

Progressive

$1,042

$87

Shelter

$1,063

$89

Farmers

$1,070

$89

Iowa Farm Bureau

$1,075

$90

Farmers

$1,079

$90

Farmers Mutual of Nebraska

$1,118

$93

IMT Insurance Company

$1,151

$96

Progressive

$1,152

$96

Allstate

$1,163

$97

State Farm

$1,171

$98

Farmers

$1,267

$106

State Farm

$1,282

$107

Progressive

$1,427

$119

AAA

$1,470

$122

Shelter

$1,629

$136

State Farm

$1,639

$137

How to Compare Cheap Lincoln Car Insurance Quotes Online

Obtaining online estimates from Lincoln car insurers can take 15 minutes or longer per company and often involves providing a great deal of personal information.

MoneyGeek's insurance calculator quickly determines your insurance rates from different insurers when you input your age, driving record, car model and coverage preferences.

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Best Car Insurance in Lincoln: Summary

The best auto insurance may differ depending on how you value service quality and other factors. The best auto insurance companies in Lincoln for several categories are:

  • Best overall: American National P&C (MoneyGeek score 83 out of 100)
  • Best for service: Shelter (MoneyGeek score 68 out of 100)
  • Best cheap: American National P&C (MoneyGeek score 83 out of 100)

A company’s MoneyGeek scores can vary based on the category. American National P&C also offers the best auto insurance in Nebraska. With a MoneyGeek score of 74 out of 100, USAA is an excellent option for those with a military background.

Best Overall Car Insurance in Lincoln

MoneyGeek’s research shows that the following companies provide the best auto insurance in Lincoln:

  • American National P&C: MoneyGeek score 83 out of 100 ($373 per year)
  • Auto-Owners Insurance Co: MoneyGeek score 72 out of 100 ($653 per year)

American National P&C earned the highest scores for affordability among the 12 companies we reviewed in Lincoln. It also has excellent customer satisfaction and coverage options scores.

We also highly recommend USAA for individuals with a military background. With average annual premiums of $693, it is the third-cheapest car insurance company in Lincoln, earning a MoneyGeek score of 74 out of 100.

How was this MoneyGeek score calculated?

American National P&C

pros

Offers the cheapest rates among 12 insurers in the city

Excellent customer satisfaction and coverage ratings

Provides gap insurance and spare parts coverage

cons

Claims management can be improved

Doesn’t offer accident forgiveness

COMPANY HIGHLIGHTS

American National P&C is the best auto insurance provider in Lincoln. It offers the most affordable premiums among 12 insurers in the city and has a solid track record of providing Lincoln drivers with excellent customer service. The insurer also offers customers several standard and unique coverage options.

American National P&C offers spare parts coverage, which few insurers offer. The insurer will compensate you up to $1,000 to replace any auto spare parts damaged in a covered loss.

American National P&C also offers gap insurance, which can bridge the gap between the amount you owe on a loan or lease and the value of your vehicle if your car is totaled. However, the insurer does not offer some standard coverage options, such as accident forgiveness, better car replacement and new car replacement.

Best Car Insurance in Lincoln for Customer Service

The following insurers offer Lincoln drivers the best customer service, regardless of price:

  • Shelter: MoneyGeek score 68 out of 100 ($1,063 per year)
  • American National P&C: MoneyGeek score 67 out of 100 ($373 per year)

Customer satisfaction and coverage options are Shelter's greatest strengths. Although it provides exceptional customer service, its prices are significantly higher than most of its Lincoln competitors.

How was this MoneyGeek score calculated?

Shelter

pros

Excellent customer satisfaction and coverage options ratings

Offers gap insurance and new car replacement

cons

Expensive compared to competitors

Doesn’t offer accident forgiveness

COMPANY HIGHLIGHTS

Shelter boasts exceptional customer satisfaction and coverage options scores. However, the insurer's affordability and claims experience scores are below average.

Shelter’s full coverage policies include a new car replacement rider at no extra cost. Policyholders with cars less than a year old and less than 15,000 miles who total their vehicle receive a brand-new car of the same year, make and model. Shelter also offers 24/7 roadside assistance at no extra cost. The insurer pays up to $100 per incident if you have a flat tire, dead battery, lock yourself out or experience a mechanical car breakdown.

If you're involved in an accident, and your collision coverage payment does not cover the amount you still owe on your vehicle, Shelter's gap insurance can help pay the difference. The company also provides rental reimbursement coverage while your car is being repaired following an accident.

Read MoneyGeek's Shelter Auto Insurance Review

Best Cheap Car Insurance in Lincoln

Based on our analysis of cost and customer service for policies that fulfill Nebraska's minimum coverage requirements, the following are the best cheap auto insurance companies in Lincoln:

  • American National P&C: MoneyGeek score 83 out of 100 ($153 per year)
  • Auto-Owners Insurance Co: MoneyGeek score 75 out of 100 ($252 per year)

While minimum coverage insurance has the cheapest rates, it offers limited coverage and does not pay for damages to your car.

How was this MoneyGeek score calculated?

American National P&C

pros

An affordable minimum coverage policy costs $153 per year

Offers discounts for early signing, bunding and insuring multiple cars

Excellent customer satisfaction and coverage options scores

cons

Average claims management score

No defensive driving, airbags or anti-theft discounts

COMPANY HIGHLIGHTS

American National P&C has the cheapest auto insurance in Lincoln, surpassing 11 competitors. It excelled in terms of affordability, customer satisfaction and coverage options. This insurer only offers three discount options, but they still help reduce your premiums.

American National P&C’s early signing discount is offered to those who apply for a new policy before their existing policy expires. When you insure your car, home and life with this insurer, you can also benefit from discounts on eligible home and auto premiums.

Insuring numerous vehicles with American National P&C qualifies you for a multiple-car discount. However, this insurer does not offer special discounts, such as defensive driving, legacy, airbags, new customer or volunteer discounts, which other insurers frequently provide.

Average Cost of Car Insurance in Lincoln

The average annual premium for a full coverage policy in Lincoln is $863, while the average annual cost of auto insurance in Nebraska is $955 as of October 2022. That's a difference of $92. Lincoln's rates are $402 less expensive than the national average annual cost of auto insurance, which is $1,265 per year.

These premiums apply to full insurance policies with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Remember that location is only one of the variables that impact insurance premiums.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.