Lancaster County Auto Insurance Rates, Quotes, Agents & Reviews in NE

Lancaster County, NE Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lancaster County, NE, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Lancaster County, NE are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Lancaster County, NE Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lancaster County, NE with that of other cities in and around Lancaster County.

Lancaster County Lancaster Yankee Hill Grant Roca Denton
Average Insurance Rates $1,218 $1,505 $1,459 $1,518 $1,318 $1,464

Lancaster County, NE Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lancaster County, NE based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Lancaster County $1,656 $1,399
Lincoln $2,010 $1,697
Yankee Hill $1,524 $1,288
Lancaster $1,413 $1,194
Walton $1,054 $890
Grant $1,917 $1,619
Roca $1,404 $1,186
Denton $1,878 $1,586

Lancaster County, NE Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lancaster County, NE usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,952
20 Years $1,565
30 Years $1,205
40 Years $1,160
50 Years $1,074
60 Years $1,089
70 Years $1,268

Lancaster County, NE Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lancaster County, NE can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,144 $292
3 Vehicles $3,216 $438
4 Vehicles $4,287 $585

Savings on 2 Vehicles bundle:$292

Savings on 3 Vehicles bundle:$438

Savings on 4 Vehicles bundle:$585


Lancaster County, NE Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lancaster County, NE.

Location Average Insurance Cost Post DUI Insurance Rate
Lancaster County $1,218 $1,791
Lincoln $1,024 $1,506
Yankee Hill $1,459 $2,146
Lancaster $1,505 $2,214
Walton $1,603 $2,358
Grant $1,518 $2,233
Roca $1,318 $1,938
Denton $1,464 $2,153

Lancaster County, NE Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,045
Excellent (740-799) $1,193
Good (670-739) $1,269
Average (580-669) $1,656
Poor (300-579) $1,987

Lancaster County, NE Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Union Agency Inc Liberty Mutual Independent 4719 Prescott Ave, Lincoln, 68506 None
A-1 Risk Insurance Travelers 505 N 27TH ST, LINCOLN, 68503 402-475-7475
Zimmer Insurance Group None 3230 S 13Th St, Lincoln, 68502 (402) 817-2544
Scott Kieffer Farmers 916 N 70th St, Lincoln, 68505 (402) 488-5277
Araf Evans State Farm 12005 W Center Rd Ste 95, Omaha, 68144-4394 402-884-1885
John Klopp Farmers 2201 N 90th St Ste 124, Omaha, 68134 (402) 208-3164
Andrew Neal Farmers 13304 W Center Rd Ste 222, Omaha, 68144 (402) 934-8013
Mittelstadt Agency None 1701 K St, Lincoln, 68508 None
Raymond Thielen Allstate 3924 N 138th St, Omaha, 68164 (402) 431-1700
Tom Dahulick Farmers 5154 N 90th St, Omaha, 68134 (402) 572-9344
Matt Meyer State Farm 3661 N 129th St, Omaha, 68164-5211 402-556-7100
Mertz Ins Group Inc Liberty Mutual Independent 323 CASTLE PINE CIR, PAPILLION, 68133 402-593-8689

Lancaster County, NE Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$54 $1,272
Driver's Failure In Showing Documents +$118 $1,336
Driving With An Expired Registration +$125 $1,343
Driving At A Considerably Slow Pace +$264 $1,482
Using A Cellphone While Driving +$279 $1,497
Running A Red Light +$284 $1,502
Speeding +$298 $1,516
Driving A Vehicle Without The Required Permission +$379 $1,597
Driving With An Expired/Suspended License +$821 $2,039

Lancaster County, NE Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,169
Active Disabling Device $1,169
Tracking Device $1,145
Passive Disabling Device $1,133