For veterans, one of the big factors that are looked at to determine the price you pay for insurance is where your car is garaged. Areas with a lot of weather claims or more people will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The following table sorts the priciest cities in Nebraska for veterans in which to buy car insurance. Lincoln is listed at #24 with an annual premium of $1,062 for coverage, which is around $89 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Alliance | $1,354 |
| 2 | Scottsbluff | $1,334 |
| 3 | Gering | $1,317 |
| 4 | McCook | $1,292 |
| 5 | South Sioux City | $1,290 |
| 6 | Omaha | $1,270 |
| 7 | Lexington | $1,264 |
| 8 | North Platte | $1,262 |
| 9 | Beatrice | $1,259 |
| 10 | Crete | $1,246 |
| 11 | Blair | $1,224 |
| 12 | Seward | $1,215 |
| 13 | Hastings | $1,193 |
| 14 | Kearney | $1,188 |
| 15 | York | $1,180 |
| 16 | Nebraska City | $1,176 |
| 17 | Columbus | $1,174 |
| 18 | Fremont | $1,166 |
| 19 | La Vista | $1,162 |
| 20 | Bellevue | $1,144 |
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Prices are comparative as specific Lincoln zip code can affect price quotes greatly.
Buying low-priced car insurance is not the easiest thing to accomplish, and determining which company offers the cheapest car insurance rates for veterans requires a little more work. Every car insurance company uses a little different formula for filing rates in each state, so we’ll go over the car insurance companies that tend to have lower prices in Lincoln.
Cheap Insurance Rates for Vets
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $812 |
| 2 | The Hartford | $847 |
| 3 | Auto-Owners | $905 |
| 4 | Allied | $911 |
| 5 | Farmers Mutual of Nebraska | $979 |
| 6 | Farm Bureau Mutual | $990 |
| 7 | Nationwide | $1,027 |
| 8 | State Farm | $1,075 |
| 9 | General Casualty | $1,081 |
| 10 | American National | $1,087 |
| 11 | USAA | $1,162 |
| 12 | MetLife | $1,280 |
| 13 | American Family | $1,296 |
| 14 | California Casualty | $1,296 |
| 15 | GEICO | $1,308 |
| 16 | Iowa Mutual | $1,308 |
| 17 | EMC | $1,314 |
| 18 | Progressive | $1,402 |
| 19 | Farmers | $1,602 |
| 20 | North Star | $1,710 |
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Safeco may have some of the most affordable car insurance rates in Lincoln at around $812 each year. This is $504 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also be considered some of the more affordable Lincoln, NE auto insurance companies.
As the example above demonstrates, if you currently buy coverage from The Hartford and switched to Safeco, you might see yearly savings of in the vicinity of $35. Nebraska drivers with Auto-Owners could save as much as $93 a year, and Allied customers might reduce prices by as much as $99 a year.
To see if your current coverage is too expensive, click here to start your custom quote or quote rates from the companies below.
It’s important to note that these premium estimates are averages across all drivers and vehicles and are not factoring in an exact zip code location for veterans. So the insurer that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That is why you need to get rate quotes using your own driver and vehicle profiles.
The car, truck, or SUV you are trying to insure is one of the main factors when quoting the most economical auto insurance for veterans. Vehicles with limited speed and performance, good crash test ratings, or low incidents of liability claims will cost quite a bit less to insure than high performance models.
The table below features coverage rates for a handful of the most cost-effective automobiles to insure in Nebraska.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $794 |
| Toyota Prius | $858 |
| Ford Explorer XLT AWD | $872 |
| Ford Escape XLS 2WD | $890 |
| Ford Focus SE 4-Dr Sedan | $902 |
| Toyota RAV4 2WD | $920 |
| Dodge Grand Caravan Hero | $927 |
| Ford Fusion S 4-Dr Sedan | $920 |
| Chevrolet Equinox LT AWD | $926 |
| Nissan Altima 2.5 4-Dr Sedan | $920 |
| Honda Accord LX 4-Dr Sedan | $950 |
| Hyundai Elantra SE 4-Dr Sedan | $968 |
| Chevrolet Silverado LT Crew Cab 4WD | $984 |
| Nissan Rogue SL AWD | $1,034 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,050 |
| GMC Sierra Denali Crew Cab 2WD | $1,058 |
| Ford F-150 SVT Raptor Super Cab 4WD | $1,072 |
| Ford Edge Sport AWD | $1,108 |
| Toyota Corolla S | $1,116 |
| Honda Odyssey Touring | $1,126 |
| Jeep Grand Cherokee Laredo 4WD | $1,128 |
| Chevrolet Malibu Hybrid | $1,133 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,146 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in Lincoln, NE location which can modify premium rates considerably.
Looking at the data, you can conclude that models like the Honda CR-V, Toyota Prius, and Ford Explorer are most likely going to be a few of the cheaper vehicles to insure for veterans.
Types of discounts on Lincoln car insurance
Car insurance companies that sell policies for veterans may also offer special discounts that could potentially reduce rates by 40% or more if you meet the requirements. A list of companies and a summarized list of policyholder discounts can be read below.
- State Farm may offer discounts for good student, passive restraint, safe vehicle, accident-free, multiple autos, Steer Clear safe driver discount, and driver’s education.
- Nationwide may have discounts that include family plan, multi-policy, business or organization, accident-free, easy pay, and defensive driving.
- GEICO discounts include membership and employees, driver training, good student, defensive driver, anti-lock brakes, emergency military deployment, and air bags.
- AAA has discounts for education and occupation, good student, AAA membership discount, anti-theft, good driver, and multi-policy.
- 21st Century policyholders can earn discounts including automatic seat belts, theft prevention, 55 and older, homeowners, teen driver, good student, and air bags.
- The Hartford has savings for defensive driver, bundle, driver training, vehicle fuel type, good student, and air bag.
The example below illustrates the difference between insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, marriage, claim-free, multiple policy, anti-theft, and defensive driving course discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for veterans is 28% or $556.
Ratings for Lincoln car insurance companies
Choosing the top insurer can be a challenge considering how many companies sell coverage in Nebraska. The ranking information in the lists below can help you choose which insurers you want to consider when shopping around.
The ratings below include companies who write in the majority of U.S. states, so companies that have a smaller presence will not be included in this list. To compare prices from these and other competitive companies, just click here.
Top 10 Large Auto Insurance Companies in Lincoln Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Progressive – A+
- Allstate – A+
- The General – A-
Why are you paying too much for Lincoln car insurance?
Lincoln, NE car insurance rates are impacted by many factors that control the cost of having a policy. Improving your credit rating, buying higher coverage limits, or getting a DUI can produce rate changes resulting in some companies being much cheaper than others. Not only may your risk profile change, but companies file new Nebraska car insurance rates multiple times each year in order to protect their financial rating. Larger than normal claims can result in high rates, while lower claims may result in cheaper Lincoln car insurance rates.
For instance, the bar chart below shows the company with the cheapest car insurance in Lincoln, NE for a 45-year-old female driver with no accidents or violations, and solid credit. If we compare prices based on her current rating profile, Safeco offers the best car insurance rates in Lincoln at $788 a year. This is $528 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are also included in the cheapest Lincoln, NE auto insurance companies.
Let’s now give the driver from the first rate comparison an accident claim, a lower credit rating, and a speeding ticket. Since each company has a proprietary method to set policy rates, comparing quotes may now result in a new list of the cheapest companies as shown below.
Nationwide now has the best car insurance rate in Lincoln with State Farm, American National, USAA, and General Casualty also having competitive pricing. This example proves why Nebraska drivers need to perform a complete rate comparison when trying to find the cheapest insurance rates for veterans. Insurance prices can be altered by many things and can decrease or increase without notice, so the cheapest option the last time you shopped your coverage around may now be priced much higher than other options.
How to find more affordable insurance for veterans
The list below shows a few penny-pinching solutions that can help Lincoln drivers quote cheap coverage.
- Buying home and auto together can help save money
- Try to pay small claims out-of-pocket
- Avoid speeding and other traffic citations and pay less
- Choose a safer vehicle and pay lower rates
- Drop full coverage on older vehicles
- At-fault accidents can raise rates significantly
- Compare rate quotes often
The last tip in the list is extraordinarily important, as we emphasized in this write-up. Auto insurance prices in Lincoln fluctuate constantly, so don’t be unwilling to switch companies if you can find a cheaper rate.
Staying with the same company for years is fine, but it’s not recommended if that loyalty ends up costing a considerable chunk of change every month. Spend a few minutes and compare prices and find cheaper insurance for veterans.