Cheap Car Insurance in Lincoln, NE (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 29, 2025
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Cheap Car Insurance in Lincoln, NE (July 2025)

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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.

More: Best car insurance in Nebraska

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$23 $280 Progressive 43 June 22, 2025 Lincoln, NE 68504
$33 $394 Progressive 59 July 17, 2025 Lincoln, NE 68502
$36 $430 Progressive 42 July 18, 2025 Lincoln, NE 68521
$36 $436 Progressive 41 April 19, 2025 Lincoln, NE 68504
$37 $442 ROOT 42 March 30, 2025 Lincoln, NE 68504
$40 $480 National General 56 June 20, 2025 Lincoln, NE 68508
$40 $484 Progressive 41 June 19, 2025 Lincoln, NE 68504
$41 $486 National General 36 March 6, 2025 Lincoln, NE 68523
$41 $496 Progressive 40 July 24, 2025 Lincoln, NE 68510
$47 $562 Progressive 47 April 12, 2025 Lincoln, NE 68522
Last Updated Jul 30, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

More: Cheapest car insurance in Nebraska

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$48 $580 Progressive 45 June 26, 2025 Lincoln, NE 68508
$57 $684 National General 39 June 16, 2025 Lincoln, NE 68506
$60 $716 National General 52 July 15, 2025 Lincoln, NE 68522
$64 $768 Progressive 38 May 25, 2025 Lincoln, NE 68522
$64 $768 Progressive 46 February 4, 2025 Lincoln, NE 68502
$67 $806 ROOT 53 May 12, 2025 Lincoln, NE 68506
$68 $810 ROOT 32 May 27, 2025 Lincoln, NE 68512
$68 $818 National General 44 March 2, 2025 Lincoln, NE 68503
$68 $818 Geico 30 March 8, 2025 Lincoln, NE 68521
$68 $820 National General 43 February 22, 2025 Lincoln, NE 68505
Last Updated Jul 30, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$54 $648 National General 27 No March 27, 2025 Lincoln, NE 68523
$65 $774 Progressive 25 No March 2, 2025 Lincoln, NE 68502
$81 $974 Progressive 28 No May 29, 2025 Lincoln, NE 68521
$93 $1,120 National General 26 Yes June 25, 2025 Lincoln, NE 68524
$98 $1,174 The General 26 No March 26, 2025 Lincoln, NE 68528
Last Updated Jul 30, 2025

More: Get cheap car insurance the smart way, today

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$36 $436 Progressive 41 No April 19, 2025 Lincoln, NE 68504
$37 $442 ROOT 42 No March 30, 2025 Lincoln, NE 68504
$40 $484 Progressive 41 No June 19, 2025 Lincoln, NE 68504
$41 $496 Progressive 40 No July 24, 2025 Lincoln, NE 68510
$47 $562 Progressive 47 No April 12, 2025 Lincoln, NE 68522
Last Updated Jul 30, 2025

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 seniors in Lincoln received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$33 $394 Progressive 59 July 17, 2025 Lincoln, NE 68502 No
$64 $768 Bristol West 69 July 21, 2025 Lincoln, NE 68510 No
$70 $838 Progressive 72 July 22, 2025 Lincoln, NE 68504 Yes
$88 $1,058 Clearcover 56 June 20, 2025 Lincoln, NE 68508 Yes
$89 $1,062 Clearcover 62 April 6, 2025 Lincoln, NE 68508 No
Last Updated Jul 30, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$33 $394 Progressive 59 July 17, 2025 No Lincoln, NE 68502
$36 $436 Progressive 41 April 19, 2025 No Lincoln, NE 68504
$37 $442 ROOT 42 March 30, 2025 No Lincoln, NE 68504
$40 $484 Progressive 41 June 19, 2025 No Lincoln, NE 68504
$41 $496 Progressive 40 July 24, 2025 No Lincoln, NE 68510
Last Updated Jul 30, 2025

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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $57 $679 Progressive 64 February 22, 2025 Lincoln, NE 68516
<550 $69 $826 Progressive 54 June 1, 2025 Lincoln, NE 68504
<550 $74 $892 Progressive 35 January 17, 2025 Lincoln, NE 68502
<550 $78 $940 The General 56 October 31, 2024 Lincoln, NE 68522
<550 $83 $993 Dairyland 43 September 25, 2024 Lincoln, NE 68504
Last Updated Jul 24, 2025

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
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $84 $1,010 Progressive 24 Yes September 9, 2024 Lincoln, NE 68521
At Fault With No Injury $98 $1,172 Progressive 30 No December 20, 2024 Lincoln, NE 68521
At Fault With No Injury $101 $1,206 Bristol West 45 No October 12, 2024 Lincoln, NE 68521
At Fault With No Injury $108 $1,298 Progressive 30 Yes July 17, 2025 Lincoln, NE 68503
At Fault With No Injury $119 $1,426 The General 27 No February 26, 2025 Lincoln, NE 68507
Last Updated Jul 24, 2025
MEET OUR EXPERTS
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Xuyun Zeng

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.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has 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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.