Cheap Car Insurance in Lincoln, NE (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 9, 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 Policy
City, State
ZIP Code
$30 $364 Progressive 31 June 8, 2025 Lincoln, NE 68510
$32 $380 Progressive 40 February 7, 2025 Lincoln, NE 68522
$35 $420 Progressive 33 March 13, 2025 Lincoln, NE 68521
$38 $458 Progressive 23 March 27, 2025 Lincoln, NE 68516
$39 $468 Progressive 65 April 1, 2025 Lincoln, NE 68502
$40 $474 Progressive 42 December 17, 2024 Lincoln, NE 68516
$44 $532 Progressive 31 December 11, 2024 Lincoln, NE 68503
$50 $594 National General 37 June 26, 2025 Lincoln, NE 68505
$52 $626 Progressive 40 July 16, 2024 Lincoln, NE 68503
$56 $670 Progressive 40 January 12, 2025 Lincoln, NE 68522
Last Updated Jul 10, 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 Policy
City, State
ZIP Code
$41 $494 Progressive 37 July 23, 2024 Lincoln, NE 68510
$42 $502 Progressive 23 April 21, 2025 Lincoln, NE 68516
$49 $592 Progressive 40 July 16, 2024 Lincoln, NE 68503
$62 $742 Progressive 76 April 26, 2025 Lincoln, NE 68510
$67 $808 Progressive 28 August 30, 2024 Lincoln, NE 68526
$68 $810 Progressive 34 October 12, 2024 Lincoln, NE 68504
$68 $810 Progressive 38 December 26, 2024 Lincoln, NE 68502
$68 $811 Progressive 35 May 6, 2024 Lincoln, NE 68521
$69 $826 Progressive 54 June 1, 2025 Lincoln, NE 68504
$75 $896 Progressive 33 March 13, 2025 Lincoln, NE 68521
Last Updated Jul 9, 2025

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 Policy
City, State
ZIP Code
$38 $458 Progressive 23 No March 27, 2025 Lincoln, NE 68516
$67 $808 Progressive 28 Yes August 30, 2024 Lincoln, NE 68526
$69 $828 Progressive 29 No December 6, 2024 Lincoln, NE 68528
$69 $828 National General 23 No April 21, 2025 Lincoln, NE 68516
$79 $946 Progressive 28 No August 13, 2024 Lincoln, NE 68522
Last Updated Jul 10, 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 Policy
City, State
ZIP Code
$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 $494 Progressive 37 Yes July 23, 2024 Lincoln, NE 68510
$44 $532 Progressive 31 No December 11, 2024 Lincoln, NE 68503
Last Updated Jul 10, 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 Policy
City, State
ZIP Code
Has Full Coverage
$39 $468 Progressive 65 April 1, 2025 Lincoln, NE 68502 No
$62 $742 Progressive 76 April 26, 2025 Lincoln, NE 68510 Yes
$64 $766 Progressive 55 December 23, 2024 Lincoln, NE 68508 No
$74 $883 Progressive 64 February 22, 2025 Lincoln, NE 68516 Yes
$75 $902 Progressive 55 May 5, 2024 Lincoln, NE 68504 No
Last Updated Jul 10, 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 Policy
Has Full Coverage
City, State
ZIP Code
$39 $468 Progressive 65 April 1, 2025 No Lincoln, NE 68502
$40 $474 Progressive 42 December 17, 2024 No Lincoln, NE 68516
$44 $532 Progressive 31 December 11, 2024 No Lincoln, NE 68503
$50 $594 National General 37 June 26, 2025 No Lincoln, NE 68505
$52 $626 Progressive 40 July 16, 2024 Yes Lincoln, NE 68503
Last Updated Jul 10, 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 $35 $420 Progressive 33 March 13, 2025 Lincoln, NE 68521
<550 $39 $468 Progressive 65 April 1, 2025 Lincoln, NE 68502
<550 $60 $724 Progressive 51 October 27, 2024 Lincoln, NE 68522
<550 $69 $826 Progressive 54 June 1, 2025 Lincoln, NE 68504
<550 $74 $883 Progressive 64 February 22, 2025 Lincoln, NE 68516
Last Updated Jul 10, 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 $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 $62 $742 Progressive 76 Yes April 26, 2025 Lincoln, NE 68510
At Fault With No Injury $64 $766 Progressive 55 No December 23, 2024 Lincoln, NE 68508
At Fault With No Injury $76 $906 Bristol West 55 No March 28, 2025 Lincoln, NE 68522
Last Updated Jul 10, 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.