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.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$32 | $380 | Progressive | 40 | February 7, 2025 | Lincoln, NE | 68522 |
$43 | $510 | Progressive | 76 | April 26, 2025 | Lincoln, NE | 68510 |
$44 | $532 | Progressive | 31 | December 11, 2024 | Lincoln, NE | 68503 |
$46 | $556 | Progressive | 37 | February 7, 2025 | Lincoln, NE | 68505 |
$49 | $592 | Progressive | 40 | July 16, 2024 | Lincoln, NE | 68503 |
$51 | $609 | Progressive | 41 | April 19, 2025 | Lincoln, NE | 68504 |
$56 | $670 | Progressive | 40 | January 12, 2025 | Lincoln, NE | 68522 |
$56 | $676 | The General | 55 | March 28, 2025 | Lincoln, NE | 68522 |
$57 | $679 | Progressive | 64 | February 22, 2025 | Lincoln, NE | 68516 |
$60 | $724 | Progressive | 51 | October 27, 2024 | Lincoln, NE | 68522 |
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.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$45 | $544 | Progressive | 31 | October 7, 2024 | Lincoln, NE | 68510 |
$46 | $556 | Progressive | 37 | February 7, 2025 | Lincoln, NE | 68505 |
$49 | $592 | Progressive | 40 | July 16, 2024 | Lincoln, NE | 68503 |
$62 | $740 | Assurance America | 35 | May 6, 2024 | Lincoln, NE | 68521 |
$67 | $808 | Progressive | 28 | August 30, 2024 | Lincoln, NE | 68526 |
$74 | $890 | Progressive | 37 | November 23, 2024 | Lincoln, NE | 68502 |
$75 | $896 | Progressive | 33 | March 13, 2025 | Lincoln, NE | 68521 |
$108 | $1,300 | Progressive | 27 | October 26, 2024 | Lincoln, NE | 68504 |
$117 | $1,408 | National General | 37 | March 27, 2025 | Lincoln, NE | 68507 |
$118 | $1,410 | National General | 41 | July 27, 2024 | Lincoln, NE | 68502 |
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 Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$67 | $808 | Progressive | 28 | Yes | August 30, 2024 | Lincoln, NE | 68526 |
$82 | $988 | Progressive | 25 | No | March 7, 2024 | Lincoln, NE | 68508 |
$88 | $1,056 | Bristol West | 28 | No | August 13, 2024 | Lincoln, NE | 68522 |
$93 | $1,120 | Progressive | 29 | No | November 13, 2024 | Lincoln, NE | 68503 |
$93 | $1,122 | Progressive | 25 | No | November 25, 2024 | Lincoln, NE | 68516 |
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 Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$32 | $380 | Progressive | 40 | No | February 7, 2025 | Lincoln, NE | 68522 |
$44 | $532 | Progressive | 31 | No | December 11, 2024 | Lincoln, NE | 68503 |
$45 | $544 | Progressive | 31 | Yes | October 7, 2024 | Lincoln, NE | 68510 |
$46 | $556 | Progressive | 37 | Yes | February 7, 2025 | Lincoln, NE | 68505 |
$49 | $592 | Progressive | 40 | Yes | July 16, 2024 | Lincoln, NE | 68503 |
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.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
---|---|---|---|---|---|---|---|
$43 | $510 | Progressive | 76 | April 26, 2025 | Lincoln, NE | 68510 | No |
$56 | $676 | The General | 55 | March 28, 2025 | Lincoln, NE | 68522 | No |
$57 | $679 | Progressive | 64 | February 22, 2025 | Lincoln, NE | 68516 | No |
$62 | $740 | The General | 65 | April 1, 2025 | Lincoln, NE | 68502 | No |
$63 | $756 | National General | 68 | March 21, 2025 | Lincoln, NE | 68507 | No |
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 Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$44 | $532 | Progressive | 31 | December 11, 2024 | No | Lincoln, NE | 68503 |
$46 | $556 | Progressive | 37 | February 7, 2025 | Yes | Lincoln, NE | 68505 |
$49 | $592 | Progressive | 40 | July 16, 2024 | Yes | Lincoln, NE | 68503 |
$51 | $609 | Progressive | 41 | April 19, 2025 | No | Lincoln, NE | 68504 |
$62 | $740 | Assurance America | 35 | May 6, 2024 | Yes | Lincoln, NE | 68521 |
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 | $60 | $724 | Progressive | 51 | October 27, 2024 | Lincoln, NE | 68522 |
<550 | $62 | $740 | The General | 65 | April 1, 2025 | Lincoln, NE | 68502 |
<550 | $63 | $756 | National General | 68 | March 21, 2025 | Lincoln, NE | 68507 |
<550 | $74 | $892 | Progressive | 35 | January 17, 2025 | Lincoln, NE | 68502 |
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 | $32 | $380 | Progressive | 40 | No | February 7, 2025 | Lincoln, NE | 68522 |
At Fault With No Injury | $43 | $510 | Progressive | 76 | No | April 26, 2025 | Lincoln, NE | 68510 |
At Fault With No Injury | $56 | $676 | The General | 55 | No | March 28, 2025 | 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 | $74 | $888 | Progressive | 30 | No | November 21, 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.