Lincoln is a relatively mellow place to drive, with its tree-lined streets, bridges and roundabouts. But it’s not immune to distracted drivers, and occasional snowy, icy roads can present hazards, too. Whether you work at the Capitol or drive in for Cornhuskers games, it’s best to protect yourself with the proper car insurance.
We’ve gathered quote data from real Jerry customers in Lincoln to show you how your age, driving history and desired coverage can affect your rate.
Cheapest minimum coverage insurance in Lincoln
Nebraska law requires drivers to carry these minimum coverages:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured motorist coverage per person.
- $50,000 in uninsured motorist coverage per accident.
Here are the cheapest quotes for minimum coverage in Lincoln, based on Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $31 | $372 | Progressive | 44 | November 20, 2024 | Lincoln, NE | 68502 |
| $32 | $380 | Progressive | 40 | February 7, 2025 | Lincoln, NE | 68522 |
| $40 | $474 | Progressive | 42 | December 17, 2024 | Lincoln, NE | 68516 |
| $41 | $488 | Progressive | 37 | March 13, 2024 | Lincoln, NE | 68505 |
| $41 | $494 | Progressive | 37 | July 23, 2024 | Lincoln, NE | 68510 |
| $42 | $500 | Progressive | 37 | March 14, 2024 | Lincoln, NE | 68505 |
| $44 | $532 | Progressive | 31 | December 11, 2024 | Lincoln, NE | 68503 |
| $45 | $544 | Progressive | 31 | October 7, 2024 | Lincoln, NE | 68510 |
| $46 | $556 | Progressive | 37 | January 29, 2025 | Lincoln, NE | 68505 |
| $46 | $556 | Progressive | 37 | February 7, 2025 | Lincoln, NE | 68505 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Lincoln
Temperatures are regularly below freezing during the winter months in Nebraska and the Lincoln area gets plenty of snow between December and February, creating more opportunities for accidents.
If you’re in an accident — even one that was caused by snow or ice — the minimum coverage will not pay for repairs to your car, but full coverage may. Here’s the cheapest quotes for full coverage in Lincoln, based on data from Jerry customers.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $41 | $494 | Progressive | 37 | July 23, 2024 | Lincoln, NE | 68510 |
| $45 | $544 | Progressive | 31 | October 7, 2024 | Lincoln, NE | 68510 |
| $46 | $556 | Progressive | 37 | February 7, 2025 | Lincoln, NE | 68505 |
| $46 | $556 | Progressive | 37 | January 29, 2025 | Lincoln, NE | 68505 |
| $54 | $645 | Progressive | 40 | July 16, 2024 | Lincoln, NE | 68503 |
| $61 | $730 | Progressive | 34 | October 11, 2024 | Lincoln, NE | 68504 |
| $62 | $740 | Assurance America | 35 | May 6, 2024 | Lincoln, NE | 68521 |
| $64 | $773 | Progressive | 35 | May 6, 2024 | Lincoln, NE | 68521 |
| $67 | $808 | Progressive | 28 | August 30, 2024 | Lincoln, NE | 68526 |
| $67 | $808 | Progressive | 28 | August 29, 2024 | Lincoln, NE | 68526 |
Cheapest car insurance for young drivers in Lincoln (18-29 years old)
Since new drivers lack experience, they often pay more for coverage. Fortunately, premiums tend to decline as drivers get into their late 20s. Here’s a look at the cheapest quotes for drivers between 18 to 29 years old in Lincoln.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $67 | $808 | Progressive | 28 | Yes | August 30, 2024 | Lincoln, NE | 68526 |
| $67 | $808 | Progressive | 28 | Yes | August 29, 2024 | Lincoln, NE | 68526 |
| $76 | $910 | Progressive | 28 | No | February 14, 2024 | Lincoln, NE | 68522 |
| $79 | $946 | Progressive | 28 | No | August 13, 2024 | Lincoln, NE | 68522 |
| $82 | $982 | National General | 29 | No | February 13, 2025 | Lincoln, NE | 68502 |
Cheapest car insurance for mature drivers in Lincoln (30-54 years old)
Drivers in their 30s, 40s and early 50s generally get lower premiums than younger drivers. Here’s a look at the cheapest quotes mature drivers in Lincoln received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $372 | Progressive | 44 | No | November 20, 2024 | Lincoln, NE | 68502 |
| $32 | $380 | Progressive | 40 | No | February 7, 2025 | Lincoln, NE | 68522 |
| $35 | $420 | Progressive | 33 | No | March 13, 2025 | Lincoln, NE | 68521 |
| $40 | $474 | Progressive | 42 | No | December 17, 2024 | Lincoln, NE | 68516 |
| $41 | $488 | Progressive | 37 | No | March 13, 2024 | Lincoln, NE | 68505 |
Cheapest car insurance for older drivers in Lincoln (55+ years old)
Drivers who are 55 and older tend to pay the cheapest rates, but those premiums may rise when you reach your 70s. These are the cheapest insurance quotes that older drivers in Lincoln received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $56 | $672 | Progressive | 55 | December 11, 2024 | Lincoln, NE | 68503 | No |
| $57 | $679 | Progressive | 64 | February 22, 2025 | Lincoln, NE | 68516 | No |
| $63 | $756 | National General | 68 | March 21, 2025 | Lincoln, NE | 68507 | No |
| $64 | $766 | Progressive | 55 | December 23, 2024 | Lincoln, NE | 68508 | No |
| $74 | $883 | Progressive | 64 | February 22, 2025 | Lincoln, NE | 68516 | Yes |
Cheapest car insurance for drivers with clean records in Lincoln
A record of safe driving with no tickets, accidents or claims can help ensure you get the lowest possible rate. Here are the rates that drivers with clean records in Lincoln were quoted via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $372 | Progressive | 44 | November 20, 2024 | No | Lincoln, NE | 68502 |
| $40 | $474 | Progressive | 42 | December 17, 2024 | No | Lincoln, NE | 68516 |
| $41 | $488 | Progressive | 37 | March 13, 2024 | No | Lincoln, NE | 68505 |
| $42 | $500 | Progressive | 37 | March 14, 2024 | No | Lincoln, NE | 68505 |
| $44 | $532 | Progressive | 31 | December 11, 2024 | No | Lincoln, NE | 68503 |
Cheapest car insurance for drivers with low credit scores in Lincoln
In Nebraska, insurance companies can use your credit score to help determine your rate. A lower score may translate to a higher premium. If you have a low credit score, getting multiple quotes can help you find the cheapest auto insurance. Here are the cheapest quotes for drivers in Lincoln with low credit scores.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $48 | $574 | Progressive | 51 | October 8, 2024 | Lincoln, NE | 68522 |
| <550 | $55 | $658 | Progressive | 33 | March 13, 2025 | Lincoln, NE | 68521 |
| <550 | $60 | $724 | Progressive | 51 | October 27, 2024 | Lincoln, NE | 68522 |
| <550 | $63 | $752 | The General | 51 | October 8, 2024 | Lincoln, NE | 68522 |
| <550 | $63 | $756 | National General | 68 | March 21, 2025 | Lincoln, NE | 68507 |
Cheapest car insurance for drivers with at-fault accidents in Lincoln
Drivers with an at-fault accident on their records can expect to pay higher premiums. If you’ve recently been in an accident, it’s a good idea to compare quotes from various insurers before your policy renews to get the best rate. Below are the cheapest quotes that drivers in Lincoln with at-fault accidents on their records have obtained through Jerry.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $32 | $380 | Progressive | 40 | No | February 7, 2025 | Lincoln, NE | 68522 |
| At Fault With No Injury | $50 | $604 | Progressive | 30 | No | October 3, 2024 | Lincoln, NE | 68522 |
| At Fault With No Injury | $63 | $756 | National General | 68 | No | March 21, 2025 | Lincoln, NE | 68507 |
| At Fault With No Injury | $64 | $766 | Progressive | 55 | No | December 23, 2024 | Lincoln, NE | 68508 |
| At Fault With No Injury | $74 | $882 | Progressive | 33 | No | August 26, 2024 | Lincoln, NE | 68504 |
Cheapest car insurance for drivers with speeding tickets in Lincoln
Insurance premiums often increase after you receive a speeding ticket, but the amount your rate rises may depend on the speed you were cited at. Because insurers penalize these violations differently, it helps to shop around for the best quote. Here’s a look at the cheapest quotes that Jerry customers in Lincoln with a speeding ticket have received.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $79 | $952 | Progressive | 33 | November 6, 2024 | Lincoln, NE | 68502 |
| Speeding under 15 | $84 | $1,011 | Progressive | 29 | December 6, 2024 | Lincoln, NE | 68528 |
| Speeding under 15 | $91 | $1,096 | Progressive | 40 | September 11, 2024 | Lincoln, NE | 68502 |
| Speeding under 15 | $94 | $1,130 | Assurance America | 35 | March 13, 2024 | Lincoln, NE | 68506 |
| Speeding under 15 | $101 | $1,210 | Progressive | 27 | August 28, 2024 | Lincoln, NE | 68507 |
Cheapest car insurance for drivers with DUIs in Lincoln
Insurers may consider a DUI to be a severe violation, meaning your premium will likely increase. Get quotes from multiple insurers to find the lowest rate for the coverage you need. Below are the cheapest quotes drivers in Lincoln with DUIs have received via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $41 | $494 | Progressive | 37 | July 23, 2024 | Lincoln, NE | 68510 |
| DUI | $74 | $882 | Progressive | 33 | August 26, 2024 | Lincoln, NE | 68504 |
| DUI | $90 | $1,078 | Progressive | 27 | October 31, 2024 | Lincoln, NE | 68528 |
| DUI | $109 | $1,310 | Progressive | 21 | February 28, 2025 | Lincoln, NE | 68524 |
| DUI | $139 | $1,663 | Progressive | 33 | August 29, 2024 | Lincoln, NE | 68504 |
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
