Deciding which companies offer the cheapest auto insurance rates for state employees involves a bit more effort than just picking a company at random. Every car insurance company has their own formula for filing rates in each state, so we will examine the auto insurance companies that tend to have lower prices in Lincoln, NE.
Best Insurance Companies in Nebraska
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $804 |
| 2 | The Hartford | $839 |
| 3 | Allied | $921 |
| 4 | Auto-Owners | $923 |
| 5 | Farmers Mutual of Nebraska | $989 |
| 6 | Farm Bureau Mutual | $1,020 |
| 7 | Nationwide | $1,027 |
| 8 | State Farm | $1,065 |
| 9 | American National | $1,065 |
| 10 | General Casualty | $1,081 |
| 11 | USAA | $1,162 |
| 12 | California Casualty | $1,257 |
| 13 | American Family | $1,258 |
| 14 | EMC | $1,300 |
| 15 | MetLife | $1,319 |
| 16 | GEICO | $1,322 |
| 17 | Iowa Mutual | $1,347 |
| 18 | Progressive | $1,402 |
| 19 | North Star | $1,642 |
| 20 | Farmers | $1,650 |
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Safeco has some of the best car insurance rates in Lincoln at around $804 each year. The Hartford, Allied, Auto-Owners, and Farmers Mutual of Nebraska would also make the list of some of the best Lincoln, NE insurance companies.
As shown above, if you buy coverage from Auto-Owners and switched to The Hartford, you may see savings of roughly $84. Drivers with Farmers Mutual of Nebraska could save as much as $150 a year, and Farm Bureau Mutual policyholders might lower prices by up to $181 a year.
It’s important to note that these prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a vehicle location for state employees. So the company that fits your needs best may not even be in the top 24 companies shown above. That is why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
The make and model of vehicle you are seeking coverage for is a large factor that determines the availability of low-cost insurance for state employees. Vehicles with high performance features, poor crash test ratings, or a track record of large liability claims will cost significantly more to insure than more economical and safe models. The data below showcases car insurance premiums for a number of the more affordable vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $806 |
| Honda CR-V LX 4WD | $860 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $962 |
| Toyota Tacoma 4WD | $964 |
| Dodge Grand Caravan CV | $971 |
| Honda Civic EX 4-Dr Sedan | $966 |
| Honda Odyssey LX | $978 |
| Ford Edge Limited AWD | $984 |
| Chevrolet Impala LTZ | $991 |
| Toyota Prius | $986 |
| Jeep Grand Cherokee Laredo 2WD | $1,020 |
| Hyundai Sonata SE 4-Dr Sedan | $1,050 |
| Nissan Rogue SL AWD | $1,055 |
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in specific location information which can raise or lower coverage rates considerably.
Looking at the rates, models like the Ford Escape, Honda CR-V, Jeep Wrangler, Toyota Tacoma, and Dodge Grand Caravan should be a few of the most budget-friendly vehicles to insure for state workers.
One of the more important things that help determine insurance cost is where your car is garaged in Lincoln. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.
The next table shows the most expensive cities in Nebraska for state employees to purchase car insurance in. Lincoln is listed at #24 with a yearly cost of $1,073 for the average insurance policy, which is approximately $89 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Scottsbluff | $1,374 |
| 2 | Alliance | $1,314 |
| 3 | Gering | $1,303 |
| 4 | Lexington | $1,303 |
| 5 | McCook | $1,279 |
| 6 | Beatrice | $1,272 |
| 7 | North Platte | $1,262 |
| 8 | South Sioux City | $1,251 |
| 9 | Blair | $1,236 |
| 10 | Omaha | $1,233 |
| 11 | Kearney | $1,224 |
| 12 | Crete | $1,210 |
| 13 | Seward | $1,191 |
| 14 | Nebraska City | $1,176 |
| 15 | Fremont | $1,166 |
| 16 | Grand Island | $1,158 |
| 17 | Columbus | $1,150 |
| 18 | Hastings | $1,147 |
| 19 | York | $1,145 |
| 20 | Bellevue | $1,144 |
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Rate quotes are estimated as the specific geographic location can raise or lower coverage rates greatly.
Selecting a good quality insurance company can be challenging considering how many different insurance companies sell coverage in Lincoln. The company rank data in the lists below could help you analyze which insurers you want to consider buying from. These rankings only include companies that insure vehicles across America, so smaller regional companies are not included in these rankings.
Top 10 Large Auto Insurance Companies in Lincoln Ranked by Customer Service
- State Farm
- Nationwide
- Safeco Insurance
- American Family
- Travelers
- Liberty Mutual
- GEICO
- Allstate
- The Hartford
- Farmers Insurance
Top 10 Large Auto Insurance Companies in Lincoln Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
Types of discounts on Lincoln car insurance rates
Car insurance companies that provide coverage for state employees may have premium discounts that could reduce prices by 40% or more if you meet specific eligibility requirements. A list of auto insurance companies and a selection of discounts are detailed below.
- GEICO discounts include defensive driver, good student, multi-policy, membership and employees, federal employee, and driver training.
- MetLife offers premium reductions for accident-free, defensive driver, claim-free, good driver, multi-policy, and good student.
- State Farm includes discounts for multiple policy, Drive Safe & Save, defensive driving training, good student, and accident-free.
- Progressive offers discounts including multi-policy, online signing, homeowner, good student, continuous coverage, multi-vehicle, and online quote discount.
- Mercury Insurance has discounts for multi-policy, location of vehicle, age of vehicle, good driver, professional/association, anti-theft, and multi-car.
- 21st Century has savings for teen driver, defensive driver, driver training, automatic seat belts, student driver, and early bird.
- Allstate may offer discounts for passive restraint, eSmart discount, auto/life discount, good student, and EZ pay plan discount.
The example below visualizes the comparison of insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, safe-driver, homeowner, passive restraint, claim-free, and anti-theft discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for state employees is 28% or $642.
Don’t stick with an overpriced policy
Lincoln, NE auto insurance rates are calculated based on many things which can substantially change the price you pay. Improving your credit score, moving to a new city, or getting a DUI may generate price changes resulting in some companies being cheaper than competitors.
Additionally, auto insurance companies file new Nebraska car insurance rates multiple times each year in order to protect their financial rating. Heavy losses may result in increased rates, while long-term profits may produce lower-cost Lincoln car insurance rates.
To illustrate this point, the data below shows rates for the cheapest car insurance in Lincoln, NE for a 35-year-old female driver with no accidents or violations, and great credit. If we look at prices based on her current rating profile, Safeco might quote the best car insurance rates in Lincoln at $812 annually. 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 are the remaining cheapest Lincoln, NE auto insurance companies.
Now we will give the driver from the first set of rates an accident claim, a little lower credit rating, and a traffic ticket or two. Since each auto insurer has a unique formula for setting rates, getting updated rate quotes may now result in a completely different list of cheap Lincoln auto insurance companies as shown below.
Nationwide now has the lowest price on auto insurance in Lincoln with State Farm, American National, General Casualty, and USAA also having competitive pricing. This example proves why it is crucial to compare many different companies when trying to get the most affordable auto insurance quotes for state employees.
Rates are determined by many factors and can change substantially, so the best company the last time you compared rates may now be wasting a lot of money.
How to find the cheapest car insurance for state employees
The list below shows some of the recommended penny-pinching suggestions that can help Lincoln drivers locate cheaper car insurance.
- Better credit rating means better rates
- Violations like speeding or DUI increase rates
- Avoid accidents and claims
- Increase your deductibles
- Assess whether full coverage is needed
- Safe vehicles generally have lower rates
- Compare rates once a year for cheaper prices
That last tip is highly significant, as was noted in this piece. Prices charged by companies can change in a short period of time, so you should be ready to buy a different policy if a more affordable rate is found.
Having a favorite company is great, but it’s not a great idea if that dedication is costing money that could be used for better things. It takes less than five minutes to compare prices to find cheaper insurance for state employees in Lincoln.
If you like to have a little guidance when buying car insurance for state employees, the agents shown below can most likely answer your questions and help you decide which auto insurance coverages would be the best in your situation.
To find a Lincoln insurance agent close to where you live, click the button below the list or click here to compare price quotes.
Allstate Insurance: Rob Bryant
6211 O St B – Lincoln, NE 68510 – (402) 488-8997
Nicole Simon – State Farm Insurance Agent
4400 S 70th St #130 – Lincoln, NE 68516 – (402) 483-4441
Buethe and Associates Insurance Agency
2337 S 13th St – Lincoln, NE 68542 – (402) 474-2063
AMS Insurance Center
120 S 29th St – Lincoln, NE 68510 – (402) 476-3599