The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, especially when looking for the lowest insurance rates for safe drivers. Let’s go over some of the things that have a considerable impact on insurance premiums, and find a few ways to take the sting out of your next policy.
Determining which companies have the lowest-priced auto insurance rates for safe drivers requires a little more sweat in order to find coverage that fits your budget. Each company has their own guidelines to set premium rates, so to begin we’ll rank the lowest cost auto insurance companies in Nebraska.
Best Insurance Companies for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $788 |
| 2 | The Hartford | $847 |
| 3 | Auto-Owners | $905 |
| 4 | Allied | $939 |
| 5 | Nationwide | $997 |
| 6 | Farm Bureau Mutual | $1,010 |
| 7 | Farmers Mutual of Nebraska | $1,019 |
| 8 | American National | $1,054 |
| 9 | State Farm | $1,065 |
| 10 | General Casualty | $1,125 |
| 11 | USAA | $1,150 |
| 12 | American Family | $1,246 |
| 13 | MetLife | $1,280 |
| 14 | California Casualty | $1,296 |
| 15 | GEICO | $1,308 |
| 16 | EMC | $1,314 |
| 17 | Iowa Mutual | $1,347 |
| 18 | Progressive | $1,445 |
| 19 | Farmers | $1,634 |
| 20 | North Star | $1,642 |
| Find Your Rate Go | ||
Safeco may have some of the best car insurance rates in Lincoln at around $788 a year. The Hartford, Auto-Owners, Allied, and Nationwide would also make the list of some of the cheaper Lincoln, NE auto insurance companies.
As shown in the rates above, if you currently have coverage with Allied and switched to The Hartford, you might see annual savings of in the vicinity of $92. Nebraska drivers with Nationwide could save as much as $150 a year, and Farm Bureau Mutual customers might realize rate reductions of up to $163 a year.
These policy rates are averages across all drivers and vehicles in Nebraska and and are not figured with an exact vehicle garaging location for safe drivers. So the insurer that is best for you may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
For good drivers, one of the largest factors that are looked at to help calculate the amount you pay each year for auto insurance is your address in Lincoln. Cities with more crime and/or more people tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The information below sorts the priciest cities in Nebraska for safe drivers to purchase a policy in. Lincoln shows up at #24 costing $1,073 for coverage, which is about $89 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,374 |
| 2 | Alliance | $1,340 |
| 3 | McCook | $1,331 |
| 4 | Gering | $1,317 |
| 5 | North Platte | $1,301 |
| 6 | South Sioux City | $1,290 |
| 7 | Lexington | $1,277 |
| 8 | Beatrice | $1,272 |
| 9 | Omaha | $1,270 |
| 10 | Crete | $1,234 |
| 11 | Nebraska City | $1,224 |
| 12 | Seward | $1,215 |
| 13 | York | $1,191 |
| 14 | Blair | $1,188 |
| 15 | Kearney | $1,188 |
| 16 | Bellevue | $1,179 |
| 17 | Grand Island | $1,158 |
| 18 | Hastings | $1,158 |
| 19 | Columbus | $1,150 |
| 20 | Fremont | $1,142 |
| Get a Custom Quote Go | ||
Price information shown is approximated as the specific garaging location can increase or decrease insurance rates considerably.
The make and model of vehicle driven is one of the primary factors when comparing low-cost insurance for safe drivers. Vehicles with high performance engines, poor passenger safety features, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models. The table below presents car insurance costs for some of the cheaper automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $670 |
| Honda CR-V EX 2WD | $730 |
| Toyota Prius | $742 |
| Ford Escape XLT 4WD | $770 |
| Volkswagen Jetta 2.0T Station Wagon | $784 |
| Jeep Grand Cherokee Laredo 2WD | $790 |
| Ford Explorer Eddie Bauer 4WD | $806 |
| Toyota Tacoma 4WD | $820 |
| Nissan Altima 2.5 S 4-Dr Sedan | $832 |
| Toyota Camry SE | $838 |
| Toyota Corolla S | $832 |
| Ford Edge SEL AWD | $846 |
| Hyundai Sonata GLS 4-Dr Sedan | $848 |
| GMC Sierra SLE Crew Cab 4WD | $855 |
| Chevrolet Impala LS | $868 |
| Dodge Grand Caravan Crew | $884 |
| Toyota RAV4 4WD | $888 |
| Compare Rates Now Go | |
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in zip code location which can affect auto insurance rates significantly.
By looking at the data, you can expect cars like the Honda Accord, Honda CR-V, and Toyota Prius are most likely to be some of the less-costly vehicles to insure for good drivers.
The chart below shows how choosing a deductible can influence premium costs when trying to find cheap insurance for safe drivers. The premium estimates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.
As shown above, a 30-year-old driver could lower rates by $232 a year by switching from a $100 deductible to a $500 deductible, or save $352 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 category, could drop their prices as much as $694 each year by selecting a higher deductible. When raising deductibles, it will be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How accidents and violations affect rates
The obvious way to score low auto insurance prices for good drivers is to drive carefully and avoid at-fault accidents and violations. The example below shows how traffic citations and at-fault claims raise insurance costs for each age group. The rate quotes are based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of car insurance in Lincoln per year with a clean driving record and no accidents is $1,324. Add in two speeding tickets and the average cost rises to $1,824, an increase of $500 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for safe drivers increases to an average of $3,694. That’s an increase of $2,369, or $197 per month, just for not maintaining a clean driving record!
Get discount Lincoln auto insurance rates
Insurance companies that provide policies for safe drivers may also give you premium discounts that can reduce rates by as much as 25% or more if you can meet the requirements. Larger auto insurance companies and some of the premium reductions they offer are shown below.
- Progressive has discounts for multi-policy, continuous coverage, online quote discount, homeowner, and multi-vehicle.
- Farmers Insurance includes discounts for bundle discounts, alternative fuel, youthful driver, distant student, switch companies, and homeowner.
- Farm Bureau discounts include good student, multi-vehicle, safe driver, multi-policy, driver training, and youthful driver.
- State Farm may offer discounts for anti-theft, safe vehicle, accident-free, Steer Clear safe driver discount, defensive driving training, and student away at school.
- GEICO offers discounts for multi-vehicle, daytime running lights, five-year accident-free, membership and employees, multi-policy, and seat belt use.
- SAFECO may have discounts that include multi-car, bundle discounts, anti-lock brakes, teen safe driver, teen safety rewards, drive less, and accident prevention training.
- Liberty Mutual offers discounts including safety features, newly retired, new move discount, exclusive group savings, multi-policy, and newly married.
The chart below illustrates the comparison of annual premium costs with and without discounts applied. The information is based on a male driver, no violations or accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, vehicle safety, accident-free, passive restraint, anti-theft, and multiple vehicle discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for safe drivers is 28% or $475.