Buying cheap car insurance is confusing at best, and deciding which companies have the most affordable auto insurance rates for government employees involves even more shopping around.
Each company uses slightly different criteria to set their prices, so let’s begin by examining the most competitive auto insurance companies in Lincoln, NE.
Find the Best Cheap Insurance in Nebraska
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $804 |
| 2 | The Hartford | $839 |
| 3 | Allied | $921 |
| 4 | Auto-Owners | $932 |
| 5 | Nationwide | $1,007 |
| 6 | Farmers Mutual of Nebraska | $1,019 |
| 7 | Farm Bureau Mutual | $1,020 |
| 8 | American National | $1,054 |
| 9 | State Farm | $1,075 |
| 10 | General Casualty | $1,114 |
| 11 | USAA | $1,116 |
| 12 | California Casualty | $1,270 |
| 13 | American Family | $1,284 |
| 14 | EMC | $1,300 |
| 15 | GEICO | $1,308 |
| 16 | MetLife | $1,319 |
| 17 | Iowa Mutual | $1,334 |
| 18 | Progressive | $1,402 |
| 19 | Farmers | $1,602 |
| 20 | North Star | $1,693 |
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Safeco quotes some of the best car insurance rates in Lincoln at around $804 per year. This is $512 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Nationwide also make the cut as some of the best Lincoln, NE car insurance companies.
As shown in the rates above, if you buy coverage from The Hartford and switched to Safeco, you might see an annual savings of roughly $35. Customers with Allied may save as much as $117 a year, and Auto-Owners policyholders might reduce prices by as much as $128 a year.
Be aware that those premium estimates are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact zip code location for government employees. So the company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That’s why you need to get quotes using your own driver information and specific vehicle type.
For state and federal workers, one of the more important criteria that help determine the amount you pay for auto insurance is where you normally keep your vehicle in Lincoln. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents profit from lower rates.
The illustration below shows the most expensive cities in Nebraska for government employees to buy auto insurance in. Lincoln is listed at #24 with an annual cost of $1,095 for car insurance, which is approximately $91 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,360 |
| 2 | Gering | $1,357 |
| 3 | Alliance | $1,314 |
| 4 | McCook | $1,292 |
| 5 | Lexington | $1,264 |
| 6 | Beatrice | $1,259 |
| 7 | South Sioux City | $1,251 |
| 8 | North Platte | $1,250 |
| 9 | Kearney | $1,236 |
| 10 | Omaha | $1,233 |
| 11 | Crete | $1,198 |
| 12 | Blair | $1,188 |
| 13 | Nebraska City | $1,188 |
| 14 | Seward | $1,179 |
| 15 | Bellevue | $1,179 |
| 16 | Columbus | $1,174 |
| 17 | Fremont | $1,166 |
| 18 | La Vista | $1,162 |
| 19 | Grand Island | $1,158 |
| 20 | York | $1,156 |
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Price information shown is estimated as specific Lincoln garaging address can modify rates noticeably.
The vehicle model you are seeking coverage for is one of the largest considerations when comparing quotes for the best coverage for government employees. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.
The table below outlines insurance costs for a number of the most affordable vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $788 |
| Honda Accord LX-P 4-Dr Sedan | $793 |
| Ford Escape XLS 4WD | $860 |
| Ford F-150 STX Super Cab 2WD | $866 |
| Honda CR-V EX-L 4WD | $912 |
| Ford Focus S 4-Dr Sedan | $916 |
| Toyota Prius | $956 |
| Dodge Grand Caravan CV | $964 |
| Chevrolet Impala LTZ | $984 |
| Ford Edge Sport AWD | $992 |
| Toyota Tacoma X-Runner 2WD | $984 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,000 |
| Chevrolet Equinox LS 2WD | $1,020 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,034 |
| Chevrolet Malibu Hybrid | $1,052 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,061 |
| Toyota RAV4 2WD | $1,052 |
| Jeep Grand Cherokee Laredo 2WD | $1,059 |
| Honda Civic EX 4-Dr Sedan | $1,056 |
| Toyota Camry Hybrid | $1,066 |
| Kia Optima EX | $1,072 |
| Ford Explorer Eddie Bauer AWD | $1,076 |
| Toyota Camry SE | $1,084 |
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in zip code location which can decrease or increase coverage rates considerably.
Based upon the rates shown, we can tell that cars like the Hyundai Elantra, Honda Accord, and Ford Escape will definitely be some of the most affordable vehicles to insure for state and federal workers.
Driving violations and accidents
The best way to snag the best auto insurance rates for state and federal workers is to pay attention while driving and maintain a clean driving record. The information below highlights how speeding tickets and at-fault fender-benders can impact yearly insurance costs for different ages of insureds. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
In the prior example, the average cost of a car insurance policy per year with no violations or accidents is $1,492. Factor in two speeding tickets and the average cost hikes up to $2,061, an increase of $569 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for government employees jumps again to an average of $4,069. That’s an increase of $2,577, or $215 per month, just for not being more responsible behind the wheel!
Get discounts on Lincoln car insurance rates
Auto insurance companies that offer cheap quotes for government employees may additionally offer premium discounts that could potentially reduce rates by 35% or more if you meet certain criteria. A few popular companies and some of the discounts are shown below.
- Farm Bureau has discounts for multi-policy, youthful driver, good student, driver training, safe driver, and renewal discount.
- MetLife has savings for multi-policy, claim-free, defensive driver, good driver, accident-free, and good student.
- Progressive may have discounts that include good student, online signing, multi-vehicle, homeowner, continuous coverage, online quote discount, and multi-policy.
- AAA may include discounts for education and occupation, AAA membership discount, good driver, pay-in-full, and multi-policy.
- American Family offers discounts including TimeAway discount, bundled insurance, accident-free, multi-vehicle, early bird, and good driver.
- GEICO includes discounts for anti-lock brakes, anti-theft, driver training, military active duty, defensive driver, membership and employees, and federal employee.
- State Farm discounts include passive restraint, Steer Clear safe driver discount, good student, student away at school, Drive Safe & Save, accident-free, and driver’s education.
The information below visualizes the comparison of insurance prices with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, anti-theft, multiple vehicle, defensive driving course, passive restraint, and vehicle safety discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for government employees is 27% or $449.
Liability rates compared to full coverage
Saving money when shopping for auto insurance should be important to the majority of drivers, and a great way to find cheaper insurance for government employees is to not insure for full coverage. The example below shows the comparison of auto insurance costs when comparing full coverage to liability only. The information is based on no claims or driving citations, $100 deductibles, marital status is single, and no discounts are taken into consideration.
On average, physical damage coverage costs an additional $1,722 per year more than just insuring for liability. That is a large expense and it proposes the question when is it a good idea to stop buying full coverage. There is no definitive formula to exclude full coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
If you prefer to get some professional advice when trying to find lower insurance rates for government employees, the professional agents shown below are willing to help you decide which policy fits your needs best.
To find a Lincoln insurance agency nearest to you, click the button following the list or click here to compare rates now.
Union Agency Inc
4719 Prescott Ave – Lincoln, NE 68506 – (402) 810-7582
American Family Insurance – Linde Matthiesen
245 S 84th St #117 – Lincoln, NE 68510 – (402) 489-7799
Midwest Regional Agency
201 S 84th St – Lincoln, NE 68510 – (800) 873-9713
Zimmer Insurance Group
3230 S 13th St – Lincoln, NE 68502 – (402) 423-6262