The make and model of vehicle you are insuring is one of the main factors when shopping around for economical insurance after a speeding ticket. Vehicles with higher performance, poor crash test ratings, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models.
The table below illustrates coverage prices for a number of the most economical vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,196 |
| Toyota Prius | $1,244 |
| Dodge Grand Caravan SE | $1,254 |
| Honda CR-V EX-L 4WD | $1,258 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,352 |
| Chevrolet Impala LS | $1,392 |
| Ford Edge SEL 2WD | $1,399 |
| Honda Odyssey EX W/Rear Entertainment | $1,392 |
| Ford Focus S 4-Dr Sedan | $1,418 |
| GMC Sierra SLE Crew Cab 2WD | $1,420 |
| Chevrolet Equinox LTZ AWD | $1,426 |
| Ford F-150 Lariat Crew Cab Platinum 2WD | $1,434 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,443 |
| Ford Explorer Eddie Bauer AWD | $1,446 |
| Chevrolet Malibu LS | $1,450 |
| Compare Cheap Rates Go | |
Premium data assumes single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Price information does not factor in specific location information which can impact prices noticeably.
Based upon the table data, you can presume that cars like the Ford Escape, Toyota Prius, Dodge Grand Caravan, Honda CR-V, and Toyota Tacoma should be a few of the most economical vehicles to insure after a few driving violations.
Establishing which companies offer the best insurance rates after a speeding ticket requires a little more sweat than just comparing rates from one or two companies. Every car insurance company uses their own formula to set policy rates, so let’s take a look at the overall cheapest insurance companies in Lincoln.
It’s important that readers know that Lincoln, NE insurance rates are determined by lots of factors that will increase or decrease the policy price. Improving your credit score, moving to a different location, or getting caught speeding can trigger changes in premium that may make certain companies affordable when they were higher priced.
Best Cheap Insurance Rates with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $873 |
| 3 | Auto-Owners | $932 |
| 4 | Allied | $949 |
| 5 | Farmers Mutual of Nebraska | $979 |
| 6 | Farm Bureau Mutual | $980 |
| 7 | Nationwide | $1,027 |
| 8 | American National | $1,054 |
| 9 | State Farm | $1,065 |
| 10 | General Casualty | $1,114 |
| 11 | USAA | $1,150 |
| 12 | American Family | $1,258 |
| 13 | Iowa Mutual | $1,295 |
| 14 | California Casualty | $1,309 |
| 15 | MetLife | $1,332 |
| 16 | GEICO | $1,348 |
| 17 | EMC | $1,354 |
| 18 | Progressive | $1,402 |
| 19 | Farmers | $1,586 |
| 20 | North Star | $1,693 |
| Quote Your Rates Go | ||
Safeco offers some of the lowest car insurance rates in Lincoln at around $780 a year. This is $536 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also be considered some of the most economical Lincoln, NE insurance companies.
In this example, if you currently buy coverage from Auto-Owners and switched to Safeco, you could earn savings of roughly $152. Nebraska drivers with Allied may save as much as $169 a year, and Farmers Mutual of Nebraska customers might lower prices by up to $199 a year.
If you would like to find cheaper car insurance rates, click here to start a quote or visit any of the companies below.
Be aware that those policy rates are averages for all ages of drivers and types of vehicles and do not factor in an exact zip code location after a speeding ticket. So the auto insurance company that can offer you the best rate may not even be in the top 24 companies shown above. That’s why you need to get rate quotes using your own driver and vehicle profiles.
One of the more important considerations that are looked at to determine the price you pay for insurance is where your residence is in Lincoln. Areas with a lot of weather claims or more people tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.
The information below sorts the most expensive places in Nebraska after a speeding ticket to purchase a policy in. Lincoln shows up at #24 with an annual rate of $1,106 for the average policyholder, which is about $92 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Scottsbluff | $1,360 |
| 2 | Gering | $1,343 |
| 3 | Alliance | $1,340 |
| 4 | McCook | $1,318 |
| 5 | Lexington | $1,316 |
| 6 | North Platte | $1,301 |
| 7 | South Sioux City | $1,264 |
| 8 | Omaha | $1,257 |
| 9 | Crete | $1,246 |
| 10 | Beatrice | $1,235 |
| 11 | Seward | $1,227 |
| 12 | Nebraska City | $1,224 |
| 13 | Kearney | $1,224 |
| 14 | Hastings | $1,193 |
| 15 | Bellevue | $1,190 |
| 16 | Blair | $1,188 |
| 17 | Columbus | $1,185 |
| 18 | York | $1,180 |
| 19 | Fremont | $1,166 |
| 20 | Norfolk | $1,147 |
| Compare Prices Now Go | ||
Rate quotes are estimated as zip code location can change prices greatly.
How violations and accidents impact rates
The best way to snag the best insurance prices after a few driving violations is to be a good driver and have a clean driving record. The illustration below shows how traffic citations and at-fault fender-benders can impact auto insurance costs for different categories of driver ages. The information is based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.
In the previous example, the average cost of a car insurance policy per year with no violations or accidents is $1,500. Get one speeding ticket and the average cost increases to $1,700, an increase of $199 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of insurance after a speeding ticket jumps again to an average of $3,419. That’s an increase of $1,919, or $160 per month, just for a couple of infractions!
Choosing the highest-rated company can be a challenge considering how many companies there are to choose from in Lincoln. The company information listed below can help you decide which car insurance providers you want to consider comparing rates with.
These ratings only include companies who write in the majority of U.S. states, so companies that focus mainly on Nebraska business will not be included in these rankings. To compare rates and find the cheapest rates after a speeding ticket, just click here.
Top 10 Large Car Insurance Companies in Lincoln Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
- Nationwide
Top 10 Large Car Insurance Companies in Lincoln Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- Safeco Insurance
- GEICO
- Esurance
- The General
The chart below shows how choosing a deductible can affect premium costs when researching cheap insurance after a speeding ticket. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
A 50-year-old driver could pocket $210 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $316 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, could drop their prices $694 annually just by choosing higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is essential to have plenty of money set aside to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
If you have coverage questions and would like to get help from a professional when shopping for cheaper insurance after a few driving violations, the insurance agencies below can probably aid you in deciding which auto insurance policy fits you best.
To locate a Lincoln auto insurance agent using an interactive map, click the button below the list or click here to compare rates now.
Union Agency Inc
4719 Prescott Ave – Lincoln, NE 68506 – (402) 810-7582
Davidson Insurance
5101 N 27th St – Lincoln, NE 68521 – (402) 465-1167
Rick Self – State Farm Insurance Agent
6030 Village Dr #101 – Lincoln, NE 68516 – (402) 434-2800
Midwest Regional Agency
201 S 84th St – Lincoln, NE 68510 – (800) 873-9713
Advantage Insurance Agency
505 N 27th St #2 – Lincoln, NE 68503 – (402) 484-5454
More Lincoln, NE insurance agents
How to find economical insurance after a speeding ticket
Here are many money-saving suggestions that can help drivers find low-cost coverage.
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Remain accident-free and save
- Save money by insuring your home and auto with the same company
- Having too many claims will increase rates substantially
- Drive safe vehicles
- Compare prices as often as possible
That last piece of advice is extraordinarily significant, as we stressed in this write-up. Prices charged by car insurance companies vary considerably, so don’t hesitate to change to a new company if you can save money. Loyalty to a specific company is fine, but we do not recommend it if your bullheadedness ends up costing you a small fortune. In just a few minutes you could compare prices and find cheaper auto insurance after a speeding ticket in Lincoln.