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.
If you have a loan or lease on your vehicle, the lender will require
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $43 | $510 | 63 | 09/30/25 | 68512 | ||
| $44 | $526 | 41 | 10/05/25 | 68504 | ||
| $48 | $580 | 45 | 06/26/25 | 68508 | ||
| $52 | $620 | 52 | 07/19/25 | 68505 | ||
| $54 | $642 | 43 | 06/21/25 | 68504 | ||
| $55 | $664 | 37 | 06/13/25 | 68504 | ||
| $55 | $664 | 46 | 06/27/25 | 68521 | ||
| $59 | $706 | 73 | 11/09/25 | 68506 | ||
| $60 | $718 | 51 | 09/19/25 | 68503 | ||
| $68 | $814 | 37 | 06/14/25 | 68506 |
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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
|
City, State
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ZIP Code
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|---|
|
Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $43 | $518 | 26 | No | 09/06/25 | 68506 | ||
| $47 | $562 | 24 | No | 11/25/25 | 68504 | ||
| $54 | $650 | 29 | No | 08/22/25 | 68503 | ||
| $60 | $720 | 28 | No | 11/06/25 | 68503 | ||
| $63 | $756 | 26 | No | 06/25/25 | 68524 | ||
| $55 | $664 | 37 | 06/13/25 | 68504 | |||
| $55 | $664 | 46 | 06/27/25 | 68521 | |||
| $59 | $706 | 73 | 11/09/25 | 68506 | |||
| $60 | $718 | 51 | 09/19/25 | 68503 | |||
| $68 | $814 | 37 | 06/14/25 | 68506 |
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.
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Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $35 | $424 | 43 | No | 06/22/25 | 68504 | ||
| $40 | $474 | 41 | No | 06/19/25 | 68502 | ||
| $41 | $488 | 35 | No | 11/12/25 | 68505 | ||
| $44 | $522 | 38 | No | 10/08/25 | 68503 | ||
| $44 | $526 | 41 | Yes | 10/05/25 | 68504 | ||
| $55 | $664 | 37 | 06/13/25 | 68504 | |||
| $55 | $664 | 46 | 06/27/25 | 68521 | |||
| $59 | $706 | 73 | 11/09/25 | 68506 | |||
| $60 | $718 | 51 | 09/19/25 | 68503 | |||
| $68 | $814 | 37 | 06/14/25 | 68506 |
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.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $37 | $440 | 72 | 10/21/25 | 68504 | No | ||
| $43 | $510 | 63 | 09/30/25 | 68512 | Yes | ||
| $47 | $562 | 68 | 11/06/25 | 68503 | No | ||
| $59 | $706 | 73 | 11/09/25 | 68506 | Yes | ||
| $72 | $858 | 61 | 11/08/25 | 68521 | Yes | ||
| $55 | $664 | 37 | 06/13/25 | 68504 | |||
| $55 | $664 | 46 | 06/27/25 | 68521 | |||
| $59 | $706 | 73 | 11/09/25 | 68506 | |||
| $60 | $718 | 51 | 09/19/25 | 68503 | |||
| $68 | $814 | 37 | 06/14/25 | 68506 |
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.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $35 | $424 | 43 | 06/22/25 | No | 68504 | ||
| $37 | $440 | 72 | 10/21/25 | No | 68504 | ||
| $40 | $474 | 41 | 06/19/25 | No | 68502 | ||
| $41 | $488 | 35 | 11/12/25 | No | 68505 | ||
| $43 | $510 | 63 | 09/30/25 | Yes | 68512 | ||
| $55 | $664 | 37 | 06/13/25 | 68504 | |||
| $55 | $664 | 46 | 06/27/25 | 68521 | |||
| $59 | $706 | 73 | 11/09/25 | 68506 | |||
| $60 | $718 | 51 | 09/19/25 | 68503 | |||
| $68 | $814 | 37 | 06/14/25 | 68506 |
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.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
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|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $39 | $466 | 34 | 10/06/25 | 68521 | ||
| <550 | $39 | $468 | 65 | 04/02/25 | 68502 | ||
| <550 | $41 | $492 | 49 | 08/03/25 | 68524 | ||
| <550 | $45 | $544 | 27 | 10/02/25 | 68504 | ||
| <550 | $60 | $724 | 50 | 10/27/24 | 68522 | ||
| $55 | $664 | 37 | 68504 | ||||
| $55 | $664 | 46 | 68521 | ||||
| $59 | $706 | 73 | 68506 | ||||
| $60 | $718 | 51 | 68503 | ||||
| $68 | $814 | 37 | 68506 |
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.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|
|
At-fault Accident on Record
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $39 | $466 | 34 | No | 10/06/25 | 68521 | ||
| At Fault With No Injury | $41 | $494 | 41 | No | 01/24/25 | 68506 | ||
| At Fault With No Injury | $47 | $566 | 31 | No | 09/10/25 | 68521 | ||
| At Fault With No Injury | $48 | $576 | 26 | No | 02/17/25 | 68506 | ||
| At Fault With No Injury | $50 | $604 | 29 | No | 10/03/24 | 68522 | ||
| $55 | $664 | 37 | 68504 | |||||
| $55 | $664 | 46 | 68521 | |||||
| $59 | $706 | 73 | 68506 | |||||
| $60 | $718 | 51 | 68503 | |||||
| $68 | $814 | 37 | 68506 |
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 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.
