Establishing which insurers offer the cheapest auto insurance rates for drivers with a DUI will require more time in order to find the most economical policy.
Each company has a proprietary method for determining rates, so let’s rank the most affordable auto insurance companies in Lincoln, NE. We do need to point out that Lincoln auto insurance rates are impacted by many things that control the policy premium. Simply getting older, moving across town, or getting a ticket for careless driving can trigger rate changes that can make some companies more affordable than before.
Find Cheaper Auto Insurance after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $804 |
| 2 | The Hartford | $847 |
| 3 | Auto-Owners | $923 |
| 4 | Allied | $939 |
| 5 | Farmers Mutual of Nebraska | $1,009 |
| 6 | Farm Bureau Mutual | $1,010 |
| 7 | Nationwide | $1,037 |
| 8 | State Farm | $1,065 |
| 9 | American National | $1,087 |
| 10 | General Casualty | $1,092 |
| 11 | USAA | $1,162 |
| 12 | American Family | $1,296 |
| 13 | California Casualty | $1,296 |
| 14 | GEICO | $1,322 |
| 15 | MetLife | $1,332 |
| 16 | Iowa Mutual | $1,334 |
| 17 | EMC | $1,340 |
| 18 | Progressive | $1,402 |
| 19 | Farmers | $1,602 |
| 20 | North Star | $1,642 |
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Safeco quotes some of the best car insurance rates in Lincoln at around $804 annually. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also some of the cheapest Lincoln, NE insurance companies.
As depicted above, if you are insured with The Hartford and switched to Safeco, you might achieve an annual premium reduction of approximately $43. Policyholders with Auto-Owners might save as much as $119 a year, and Allied customers might reduce prices by as much as $135 a year.
These rates are averages across all drivers and vehicles in Nebraska and and are not figured with an exact zip code location for drivers with a DUI. So the company that can offer you the best price may not even be in the top 24 companies shown above. That underscores the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.
After getting a DUI, one of the more important components that are looked at to determine insurance cost is where you keep your vehicle in Lincoln. Cities with larger populations tend to pay slightly more, whereas less populated areas can boast about having cheaper rates.
The next table shows the most costly cities in Nebraska for drivers with a DUI to buy car insurance in. Lincoln is ranked at #24 with an annual cost of $1,073 on average, which is about $89 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Gering | $1,357 |
| 2 | Alliance | $1,354 |
| 3 | Scottsbluff | $1,334 |
| 4 | McCook | $1,331 |
| 5 | Lexington | $1,316 |
| 6 | Omaha | $1,270 |
| 7 | South Sioux City | $1,264 |
| 8 | North Platte | $1,250 |
| 9 | Beatrice | $1,235 |
| 10 | Seward | $1,215 |
| 11 | Crete | $1,210 |
| 12 | Hastings | $1,193 |
| 13 | Bellevue | $1,190 |
| 14 | Nebraska City | $1,188 |
| 15 | Kearney | $1,188 |
| 16 | Blair | $1,188 |
| 17 | York | $1,156 |
| 18 | Fremont | $1,142 |
| 19 | Columbus | $1,139 |
| 20 | Papillion | $1,129 |
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Information shown are estimated as specific Lincoln garaging address can influence insurance rates noticeably.
Violations and accidents raise rates
In a perfect world, the ideal way to maintain affordable auto insurance premiums in Lincoln after getting a DUI is to be a safe driver and avoid tickets and accidents. The information below illustrates how violations and accident claims drive up auto insurance rates for each age group. The premiums assume a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of auto insurance in Nebraska per year with no accidents or violations is $1,447. Factor in one speeding ticket and the average cost rises to $1,689, an increase of $242 each year. Now include one accident along with the one speeding ticket and the annual cost of auto insurance for drivers with a DUI goes up to an average of $2,367. That’s an increase of $920, or $77 per month, just for not being attentive to the road!
Get discount Lincoln insurance
Car insurance companies that provide policies for drivers with a DUI may additionally offer discounts that could reduce prices by as much as 35% if you are eligible. A list of companies and the discounts they provide can be read below.
- State Farm may have discounts that include Drive Safe & Save, passive restraint, anti-theft, driver’s education, and multiple autos.
- Liberty Mutual offers discounts for newly retired, multi-policy, new move discount, hybrid vehicle, newly married, and preferred payment discount.
- American Family has savings for TimeAway discount, bundled insurance, defensive driver, early bird, Steer into Savings, mySafetyValet, and multi-vehicle.
- Progressive includes discounts for continuous coverage, good student, multi-policy, online quote discount, multi-vehicle, and homeowner.
- Farmers Insurance has discounts for good student, mature driver, alternative fuel, business and professional, homeowner, and bundle discounts.
- Auto-Owners Insurance may offer discounts for air bags, anti-lock brakes, good student, teen driver, group or association, and company car.
- SAFECO policyholders can earn discounts including homeowner, accident prevention training, teen safety rewards, teen safe driver, drive less, safe driver, and bundle discounts.
The diagram below illustrates the comparison of auto insurance costs with and without discounts. The premium estimates are based on a female driver, no at-fault accidents and two violations, Nebraska state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, homeowner, paperless filing, continuous coverage, multiple policy, and anti-theft discounts applied. When drivers qualify for the discounts, theaverage amount saved on auto insurance for drivers with a DUI is 28% or $499.
Compare quotes and save
Lincoln, NE auto insurance rates are influenced by many factors that control the price you have to pay. Turning one year older, filing a claim, or getting a couple of tickets may prompt premium changes resulting in some rates now being more affordable than the competition. In addition to those changes, car insurance companies modify rates as often as every three months in order to protect their financial rating. Significantly higher losses may result in higher rates, while a lower level of claims may cause cheaper Lincoln car insurance rates.
To help illustrate this point, the bar chart below shows which companies have the cheapest car insurance in Lincoln, NE for a 45-year-old female driver with no accidents or violations, and a good credit rating. If we look at prices based on her current risk factors, Safeco might quote the most affordable car insurance rates in Lincoln at $812 each year. This is $504 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska also make the list of the best Lincoln, NE auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example an accident claim, a lower credit score, and a stop sign violation. Because every insurance company uses their own calculation to set their prices, comparing insurance quotes may result in a different ranking of the cheapest Lincoln car insurance companies as shown below.
Nationwide now has the lowest car insurance rate in Lincoln, NE with State Farm, American National, General Casualty, and USAA also having competitive pricing. This illustrates why it is critical to compare rates to find the lowest insurance rates for drivers with a DUI. Rates are impacted by many risk factors and can change without notice, so the most economical option a year ago may now cost much more than other companies.
If you would rather get some professional input when comparing insurance rates after getting a DUI, the agencies below can help you determine which coverages and limits you need. To find a Lincoln insurance agency by location nearest to you, click the button link following the list or click here to compare rates now.
American Family Insurance – Douglas Kruce
5730 R St Ste D – Lincoln, NE 68505 – (402) 423-1224
Union Agency Inc
4719 Prescott Ave – Lincoln, NE 68506 – (402) 810-7582
Shelter Insurance – Reed Devall
1419 N Cotner Blvd – Lincoln, NE 68505 – (402) 464-9300