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: