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Best Lincoln, NE Auto Insurance in 2025 (Find the Top 10 Companies Here)

Auto-Owners, Nationwide, and Progressive are the best Lincoln, NE, auto insurance, starting at $15/month. Auto-Owners provides exceptional service proven through its A++ rating. Nationwide is known for its broad coverage and 20% bundling discount, while Progressive offers cheap rates for Lincoln, NE, drivers.

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Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage.  Tonya currently leads a team of 10 insurance copywri...

Insurance Content Team Lead

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Apr 15, 2025

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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Best Pick in Lincoln NE: Auto-Owners
4.2

Company Facts

Full Coverage in Lincoln NE

$130/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Excellent customer service
  • Many discount options
  • Top financial strength (A++)
  • Personalized local agent support
  • Strong optional coverages
  • Not available in all states
  • No online quotes
  • Limited digital tools
2nd Best in Lincoln NE: Nationwide
4.0

Company Facts

Full Coverage in Lincoln NE

$77/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • Vanishing deductible & accident forgiveness
  • SmartRide & SmartMiles discounts
  • Strong financial stability
  • Wide coverage options
  • Multi-policy discounts
  • Higher premiums than budget insurers
  • Fewer discounts than competitors
  • Not ideal for high-risk drivers
  • Mixed customer service reviews
3rd Best in Lincoln NE: Progressive
4.4

Company Facts

Full Coverage in Lincoln NE

$95/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • Affordable for high-risk drivers
  • Many discounts available
  • Easy online & mobile tools
  • Name Your Price tool
  • Snapshot rewards safe driving
  • Higher rates for good drivers
  • Mixed customer service reviews
  • Snapshot may increase rates

The best Lincoln, NE, auto insurance providers are Auto-Owners, Nationwide, and Progressive, with monthly rates starting at $15 for coverage that meets your vehicle needs.

Best Lincoln, NE Auto Insurance: Auto-Owners, Nationwide, and Progressive

See other providers and compare what they are best known for, like reliable coverage of State Farm, Farmers’ customizable plans, and personalized Liberty Mutual policies.

Our Top 10 Company Picks: Best Lincoln, NE Auto Insurance

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
Auto-Owners: Best Lincoln, NE Auto Insurance#116%A++Exceptional ServiceAuto-Owners
Nationwide: Best Lincoln, NE Auto Insurance#220%A+Broad CoverageNationwide
Progressive: Best Lincoln, NE Auto Insurance#310%A+Competitive PricingProgressive
Geico: Best Lincoln, NE Auto Insurance#425%A++Affordable RatesGeico
State Farm: Best Lincoln, NE Auto Insurance#517%BReliable CoverageState Farm
American Family: Best Lincoln, NE Auto Insurance#625%ACustomer FocusAmerican Family
Allstate: Best Lincoln, NE Auto Insurance#725%A+Comprehensive OptionsAllstate
Farmers: Best Lincoln, NE Auto Insurance#820%ACustomizable PlansFarmers
Liberty Mutual: Best Lincoln, NE Auto Insurance#925%APersonalized PoliciesLiberty Mutual
USAA: Best Lincoln, NE Auto Insurance#1010%A++Military BenefitsUSAA

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Read through our guide and explore the different companies in Lincoln, NE, that offer the best and cheapest rates and the types of auto insurance coverage options in the area.

Can't-Miss Facts

  • The best Lincoln, NE, auto insurance are Auto-Owners, Nationwide, and Progressive
  • Auto-Owners top the list, with rates for only $35 per month for exceptional service
  • Save big on your auto insurance by exploring other providers like Nationwide

Review these top providers and understand their advantages and disadvantages that may help you save while meeting your insurance needs. Enter your ZIP code to start now.

#1 – Auto-Owners: Top Overall Pick

Auto-Owners: Best Lincoln, NE Auto Insurance

Pros

  • Elite Financial Strength: Given its A++ rating, Auto-Owners provides Lincoln drivers peace of mind during claims.
  • Locally-Tailored Agent Support: This company’s in-person service matches the community-oriented vibe in Nebraska.
  • Bundle-Friendly for Lincoln Households: According to our Auto-Owners auto insurance review, this provider offers a 16% discount when you bundle your policies.

Cons

  • Old-School Quoting Process: Residents in Lincoln seeking instant online quotes may check other providers.
  • Limited Statewide Access: The availability of this feature is not general, especially outside the region of Nebraska.

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#2 – Nationwide: Best for Broad Coverage

Nationwide: Best Lincoln, NE Auto Insurance

Pros

  • Flexible Coverage for Midwest Drivers: Motorists in Lincoln can edit and customize their coverage to match their needs.
  • Strong Multi-Policy Discounts: Lincoln families can combine their home and car insurance to unlock big savings of up to 20%.
  • Modern Digital Experience for Busy Schedules: This feature is ideal for working professionals in Lincoln, as mentioned in our Nationwide auto insurance review.

Cons

  • Costlier for Younger Lincoln Drivers: Young adults and teens in Lincoln can seek higher rates with other providers.
  • Inconsistent Claims Satisfaction: Nebraskans report different experiences, depending on the agent and location.

#3 – Progressive: Best for Competitive Pricing

Progressive: Best Lincoln, NE Auto Insurance

Pros

  • Usage-Based Savings for Lincoln Commutes: This feature has a Snapshot program that rewards Lincoln drivers who don’t drive far.
  • Welcomes High-Risk Drivers: This feature is ideal for Lincoln residents with few records, as stated in our Progressive auto insurance review.
  • Pricing Tool Helps Lincoln Shoppers: The pricing tool offers transparency, which is the key when comparing providers across Lincoln, Nebraska.

Cons

  • Slow Claims May Frustrate Policyholders: Residents in Nebraska report slow claims handling, which is a drawback.
  • Accident-Related Rate Hikes: Local drivers in Nebraska may pay more expensive rates after an accident.

#4 – Geico: Best for Affordable Rates

Geico: Best Lincoln, NE Auto Insurance

Pros

  • Budget-Friendly Rates for Lincoln Drivers: This feature is ideal for students and drivers seeking basic coverage in Lincoln.
  • Mobile Access for Tech-Savvy Nebraskans: This feature helps Lincoln drivers manage their policies online.
  • Solid Option Across Cornhusker State: This is reliable coverage if you are driving out to rural areas in Lincoln, as stated in our Geico auto insurance review.

Cons

  • Lacks Personal Touch: This feature provides an online-first model, which might be a drawback for some Lincoln drivers.
  • Fewer Local Discounts for Bundling: Residents in Lincoln may look for other providers who can help them save.

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#5 – State Farm: Best for Reliable Coverage

State Farm: Best Lincoln, NE Auto Insurance

Pros

  • Trusted Agent Network: State Farm is everywhere in Lincoln, making this feature easy to find.
  • Strong Claims Support: State Farm is notable for providing the best assistance during tough situations in Nebraska.
  • Teen Driver Programs for Lincoln Families: As mentioned in our State Farm auto insurance review, this feature helps parents lower the cost.

Cons

  • Limited Discounts Compared to Rivals: Other competitors provide more savings programs and creative ways to save money.
  • Premiums Slightly Above Average: Drivers in Lincoln may pay more expensive rates unless they combine policies.

#6 – American Family: Best for Customer Focus

American Family: Best Lincoln, NE Auto Insurance

Pros

  • Strong Customer Loyalty in Nebraska: Local drivers in Lincoln often stay with the American Family due to its great support.
  • Teen-Focused Features for Lincoln Parents: This feature offers tracking tools and safe driver rewards, which are ideal for local families in Lincoln.
  • Digital Tools that Fit Lincoln Lifestyles: This feature helps busy professionals and students organize their policies conveniently.

Cons

  • Not Available Everywhere in the State: As highlighted in our American Family auto insurance review, some areas in Lincoln may not have full access to all products.
  • Average Rates Without Heavy Discounts: You may be higher for drivers who don’t qualify for savings and discounts.

#7 – Allstate: Best for Comprehensive Options

Allstate: Best Lincoln, NE Auto Insurance

Pros

  • Highly Customizable for Lincoln Drivers: This feature is ideal for Lincoln drivers who want more coverage than the minimum.
  • Quick Online Quotes for Lincoln Shoppers: Allstate is ideal for people seeking convenient and quick ways to explore coverage options.
  • Claims Satisfaction Guarantee Tailored Peace: This is useful for drivers in Lincoln who want reassurance before a Nebraska road trip, as stated in our Allstate auto insurance review.

Cons

  • Higher Starting Premiums in Lincoln: This option is not the best choice if you are strictly rate-shopping in Lincoln, Nebraska.
  • Customer Experience May Vary by Local Agent: Lincoln drivers may report different levels of support and assistance.

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#8 – Farmers: Best for Customizable Plans

Farmers: Best Lincoln, NE Auto Insurance

Pros

  • Great for Unique Lincoln Coverage Needs: Farmers can cover Lincoln drivers whether they need classic car coverage or rideshare protection.
  • Good Driver Perks for Locals: This feature rewards programs for accident-free driving with Nebraska motorists.
  • Tech-Savvy Tools for Young Adults: The Signal app is ideal for student drivers in Nebraska, as mentioned in our Farmers auto insurance review.

Cons

  • Not Always Competitive: Nebraska minimum coverage seekers may want cheaper options elsewhere.
  • Rate Differences Across ZIP Codes: Prices can vary between neighborhoods and policyholders in Lincoln, Nebraska.

#9 – Liberty Mutual: Best for Personalized Policies

Liberty Mutual: Best Lincoln, NE Auto Insurance

Pros

  • Custom Add-Ons for Lincoln Drivers: This feature’s options, such as gap insurance, can help match the local needs of Nebraska drivers.
  • 12-Month Rate Lock for Budget Planning: Stability helps Lincoln residents easily manage their yearly expenses.
  • Well-Designed Mobile Experience: Liberty Mutual is known for offering a great mobile app experience that is ideal for Lincoln commuters.

Cons

  • Higher Base Premiums: This feature is not the most affordable unless you have discounts, as mentioned in our Liberty Mutual auto insurance review.
  • Mixed Reviews for Claims: Other policyholders in Lincoln mention delays and communication gaps.

#10 – USAA: Best for Military Benefits

USAA: Best Lincoln, NE Auto Insurance

Pros

  • Unmatched Rates for Eligible Lincoln Residents: Active duty members in Lincoln can get some of the lowest prices.
  • Top-Tier Customer Service: USAA consistently ranks the best in providing exceptional assistance among Lincoln policyholders.
  • Military-Focused Tools and Discounts: This feature is designed for the lifestyle of service members stationed near Lincoln.

Cons

  • Membership Restrictions: This feature is only available to military personnel, as our USAA auto insurance review mentioned.
  • Fewer Local Offices in Nebraska: This may be a drawback, especially for Lincoln drivers who want face-to-face support.

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Lincoln, NE Cost and Discounts in Auto Insurance

Auto insurance rates in Lincoln, NE, can vary depending on the provider and the level of coverage chosen. For minimum coverage, monthly rates range from as low as $15 with USAA to $48 with Liberty Mutual.

Lincoln, NE Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Lincoln, NE Auto Insurance$33$125
American Family: Best Lincoln, NE Auto Insurance$30$112
Auto-Owners: Best Lincoln, NE Auto Insurance$35$130
Farmers: Best Lincoln, NE Auto Insurance$32$132
Geico: Best Lincoln, NE Auto Insurance$25$92
Liberty Mutual: Best Lincoln, NE Auto Insurance$48$179
Nationwide: Best Lincoln, NE Auto Insurance$20$77
Progressive: Best Lincoln, NE Auto Insurance$25$95
State Farm: Best Lincoln, NE Auto Insurance$18$69
USAA: Best Lincoln, NE Auto Insurance$15$56

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Full coverage rates range from just $56 with USAA to $179 with Liberty Mutual. Other competitive options include State Farm at $18 for minimum and $69 for full coverage and Nationwide at $20 and $77, respectively.

Best Lincoln, NE Auto Insurance: Good Student Discount Definition Card

Major providers like Geico, Progressive, and American Family also offer reasonable rates, with Geico offering full coverage at just $92 per month. In addition to affordable rates, many of these insurers provide discounts to help Lincoln drivers save even more.

Auto Insurance Discounts From the Top Providers in Lincoln, NE

Insurance CompanyAvailable Discounts
Allstate: Best Lincoln, NE Auto InsuranceGood Student, Safe Driving, Bundling, Paperless, New Car
American Family: Best Lincoln, NE Auto InsuranceGood Student, Safe Driving, Bundling, Loyalty, Homeowner
Auto-Owners: Best Lincoln, NE Auto InsuranceBundling, Safe Driving, Homeowner, Good Student, Paid-in-Full
Farmers: Best Lincoln, NE Auto InsuranceGood Student, Bundling, Multi-Car, Safe Driving
Geico: Best Lincoln, NE Auto InsuranceGood Driver, Multi-Car, Bundling, New Car, Paperless
Liberty Mutual: Best Lincoln, NE Auto InsuranceGood Student, Bundling, Homeowner, Multi-Car, Loyalty
Nationwide: Best Lincoln, NE Auto InsuranceGood Student, Bundling, Multi-Car, Homeowner
Progressive: Best Lincoln, NE Auto InsuranceGood Driver, Bundling, Multi-Car, Paperless, Homeowner
State Farm: Best Lincoln, NE Auto InsuranceGood Student, Bundling, Multi-Car, Safe Driving
USAA: Best Lincoln, NE Auto InsuranceGood Student, Bundling, Loyalty, Safe Driving

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Typical discounts include those for good students, safe driving, bundling policies, being a homeowner, using paperless billing, and owning a new car. Lincoln residents can find coverage that fits their needs and budget by comparing rates and available discounts. Avail these discounts by entering your ZIP code.

Best Coverage Options in Lincoln, Nebraska

Auto insurance coverage requirements in Nebraska are relatively minimal compared to other states, but that doesn’t mean drivers should settle for the bare minimum.

Auto-Owners Site Screenshot: Best Lincoln, NE Auto Insurance

The state mandates bodily injury liability coverage amounting to $25,000 for every person and $50,000 per accident, with a more common amount being $100,000/$300,000. Property damage liability must cost at least $25,000, though many opt for $100,000.

Auto Insurance Minimum Coverage Requirements in Nebraska

CoverageRequirements
Bodily Injury Liability$25,000 per person
$50,000 per accident
Property Damage Liability$25,000 per accident

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While uninsured motorist bodily injury, medical payments, collision, and comprehensive coverage are not required by law, many drivers choose additional protection—often with $100,000/$300,000 for uninsured motorist bodily injury, $5,000 in medical payments and deductibles of $500 and $250 for collision and comprehensive coverage, respectively.

Especially for newer vehicles, it’s wise to consider these extra forms of coverage to protect against unexpected costs. Although some Nebraska drivers pay an average of $110 per month to maintain their insurance, Lincoln residents may be able to find rates as low as $32 per month.

Factors Affecting Auto Insurance in Lincoln, NE

When your car insurance company sits down to come up with your plan, they consider many issues. Some, like your real age or your exact region, tend to be difficult to alter.

Nationwide Site Screenshot: Best Lincoln, NE Auto Insurance

If your ZIP code has a high rate of serious accidents, your insurance company might raise rates on drivers in your area. Thankfully, Lincoln’s accident rates are pretty low for a city with over a quarter million people.

Auto Insurance Monthly Rates in Lincoln, NE by ZIP Code

ZIPRates
68502$145
68503$150
68504$155
68505$140
68506$160
68507$165
68508$150
68510$155
68512$145
68516$170

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You may already be enjoying lower rates as a result. Rates of auto theft in Lincoln are steadily falling. And considering population statistics, theft per capita in Lincoln is also very low.

Fatal Accidents in Lincoln, NE

CategoryCount
Fatal Crash Individuals40
Fatalities45
Fatal Crash Vehicles35
Fatal Accidents30
DUI Fatal Crashes8
Fatal Accident Pedestrians3

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But that doesn’t mean you shouldn’t protect yourself with a passive anti-theft device or even add comprehensive coverage to your policy. In your area, most drivers will have to pay at least double their monthly insurance premium if they have poor credit scores.

Best Lincoln, NE Auto Insurance: Anti-Theft Device Definition Card

However, some companies, such as Nationwide or Allstate, are a little more forgiving. And speaking of young teenage drivers, if you’re a parent trying to figure out how to teach your teen to drive or help your young adult child get coverage, you’re in for a struggle.

Auto Insurance Monthly Rates in Lincoln, NE by Credit Score

Insurance CompanyGood CreditFair CreditBad Credit
Allstate: Best Lincoln, NE Auto Insurance$145$170$205
American Family: Best Lincoln, NE Auto Insurance$158$182$215
Auto-Owners: Best Lincoln, NE Auto Insurance$148$172$208
Farmers: Best Lincoln, NE Auto Insurance$162$188$222
Geico: Best Lincoln, NE Auto Insurance$135$155$185
Liberty Mutual: Best Lincoln, NE Auto Insurance$170$195$230
Nationwide: Best Lincoln, NE Auto Insurance$155$180$210
Progressive: Best Lincoln, NE Auto Insurance$160$185$220
State Farm: Best Lincoln, NE Auto Insurance$150$175$210
USAA: Best Lincoln, NE Auto Insurance$130$150$180

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Technically, you can get very affordable insurance coverage for a luxury vehicle. Getting minimal coverage for an expensive vehicle isn’t a brilliant idea. A handful of providers still charge different rates by gender – but they are few and far between.

Auto Insurance Monthly Rates in Lincoln, NE by Provider, Age, & Gender

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 25 FemaleAge: 25 MaleAge: 35 FemaleAge: 35 MaleAge: 60 FemaleAge: 60 Male
Allstate: Best Lincoln, NE Auto Insurance$380$400$170$180$140$150$115$120
American Family: Best Lincoln, NE Auto Insurance$370$390$160$170$130$140$110$115
Auto-Owners: Best Lincoln, NE Auto Insurance$360$380$155$165$125$135$105$110
Farmers: Best Lincoln, NE Auto Insurance$390$410$175$185$145$155$120$125
Geico: Best Lincoln, NE Auto Insurance$350$370$160$170$130$140$105$110
Liberty Mutual: Best Lincoln, NE Auto Insurance$400$420$185$195$155$165$125$130
Nationwide: Best Lincoln, NE Auto Insurance$372$392$170$180$140$150$115$120
Progressive: Best Lincoln, NE Auto Insurance$382$402$175$185$145$155$120$125
State Farm: Best Lincoln, NE Auto Insurance$362$382$160$170$130$140$108$112
USAA: Best Lincoln, NE Auto Insurance$330$350$150$160$120$130$100$105

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Likewise, one company may charge males more while the next might charge more for females. Regardless, these charges are rarely more than 1-2% extra. For example, a single person can bundle their auto policy with renters insurance.

Progressive Site Screenshot: Best Lincoln, NE Auto Insurance

However, married couples have many more opportunities than most. You can bundle with your spouse, add your young drivers to a family policy, or even bundle with your home insurance in Lincoln, NE.

Auto Insurance Monthly Rates in Lincoln, NE by Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: Best Lincoln, NE Auto Insurance$165$180$200$250
American Family: Best Lincoln, NE Auto Insurance$158$172$192$242
Auto-Owners: Best Lincoln, NE Auto Insurance$148$162$182$232
Farmers: Best Lincoln, NE Auto Insurance$170$185$210$260
Geico: Best Lincoln, NE Auto Insurance$135$150$170$220
Liberty Mutual: Best Lincoln, NE Auto Insurance$180$195$220$270
Nationwide: Best Lincoln, NE Auto Insurance$155$170$190$240
Progressive: Best Lincoln, NE Auto Insurance$160$175$200$250
State Farm: Best Lincoln, NE Auto Insurance$145$160$180$230
USAA: Best Lincoln, NE Auto Insurance$130$145$165$210

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While most residents enjoy short commute times averaging 12-16 minutes, spending up to 24 minutes getting where you need to be is not uncommon. Approximately 79% of drivers drive their vehicle around Lincoln, while between 3-15% will most likely carpool to work.

Raise your deductible to lower monthly auto insurance rates—especially if you’re among the 79% driving solo with short commutes.

Kristen Gryglik Licensed Insurance Agent

If you’re paying a high monthly rate for your coverage, talk to your agent about raising your deductible. Doing so means that you’re willing to share more of the potential financial burden associated with repairing or replacing your vehicle, and they will reward you with lower monthly Lincoln, NE, auto insurance rates. See more rates by entering your ZIP code.

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Frequently Asked Questions

What specific factors make Auto-Owners the top overall pick for auto insurance in Lincoln, NE?

Auto-Owners is considered the top overall pick for car insurance in Lincoln, Nebraska, due to its A++ rating, stellar customer service, and long-standing reputation as a trusted company.

How does Nationwide’s 20% bundling discount compare to similar discounts?

Nationwide Insurance Lincoln NE offers a 20% bundling discount, which makes it more appealing than many other car insurance companies in the Lincoln, NE, area.  Find out similar discounts in your area by entering your ZIP code.

What criteria were used to determine the monthly starting rate of $15?

The $15 starting rate is typically available to drivers with clean records and strong credit who are seeking cheap car insurance in Lincoln, NE, and only need basic car insurance.

Read more: High Risk Drivers

How does the A.M. Best rating influence consumer trust with an insurance provider?

A high A.M. Best rating gives peace of mind when choosing an auto insurance provider in Lincoln, NE, confirming that your auto insurance Lincoln is financially secure and reliable.

What are the trade-offs between choosing minimum coverage versus full coverage?

Although cheap car insurance in Lincoln, NE, is available with minimum coverage, full coverage is often smarter for protecting newer vehicles with quality car insurance in Lincoln, NE. Find our more about minimum coverage by entering your ZIP code.

Which insurance companies in Lincoln, NE are most forgiving toward drivers with poor credit scores?

Drivers with less-than-perfect credit can still find cheap auto insurance in Lincoln NE from companies like Nationwide and Allstate, which provide flexible auto insurance quotes.

How significant are the rate differences by ZIP code within Lincoln?

Auto insurance in Lincoln, NE, rates vary by ZIP code, and lower-risk neighborhoods can offer some of the cheapest car insurance in Lincoln, NE.

What additional protections are most commonly added by Lincoln residents?

Many drivers in Lincoln add extra protection, such as medical payments or uninsured motorist coverage, to enhance their auto insurance services in Lincoln NE and avoid out-of-pocket expenses. See more details by entering your ZIP code.

How do insurance rates vary for teenage drivers versus adult drivers in Lincoln?

Teen drivers often face higher premiums, but families can still get cheap car insurance in Lincoln, NE, by bundling policies with cheap renters insurance for additional savings.

Read more: Cheap Car Insurance Rates

In what ways does raising your deductible impact long-term savings?

Raising your deductible can reduce your monthly payments on car insurance quotes in Lincoln, NE, making it a smart strategy for finding Lincoln’s new car insurance that fits your budget.

Free Auto Insurance Comparison

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