Car Insurance in Lincoln, Nebraska
Estimated full coverage in Lincoln runs about $1,435 a year ($120/month) — ▲ +12% versus the Nebraska average, ranking 4th most expensive of the 8 Nebraska cities we cover.
Why car insurance in Lincoln costs more than the Nebraska average
Insurers price by territory, and Lincoln's numbers explain most of the gap. With 300,619 residents on 101.1 square miles, the city's density (2,974 people per square mile) is 8.6 times the density where the typical Nebraska resident lives (347). The average commute is 18.4 minutes (Nebraska: 19.2), and 74% of workers drive alone. Together these put our location factor at 1.12× the state baseline for liability and collision.
| Factor | Lincoln | Nebraska ref. | Why it matters |
|---|---|---|---|
| Population density | 2,974 / sq mi | 347 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 18.4 min | 19.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.0% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 73.9% | — | Share of workers commuting by car. |
| Public transit to work | 0.8% | — | Transit use lowers how much residents drive. |
| Work from home | 11.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 6.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 76.4 | 77.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Lincoln
Rates can change from one ZIP code to the next. Across 12 Lincoln ZIP codes, our full-coverage estimate ranges from $1,380 in 68522 to $1,465 in 68503. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 68516 | 48,903 | 2,585 | 18.7 min | 3.6% | $1,430 | 0% |
| 68521 | 37,050 | 2,814 | 18.3 min | 4.2% | $1,430 | 0% |
| 68506 | 27,531 | 3,936 | 19.0 min | 7.1% | $1,460 | +2% |
| 68502 | 25,846 | 3,874 | 17.9 min | 7.9% | $1,450 | +1% |
| 68510 | 19,391 | 4,261 | 17.7 min | 7.3% | $1,450 | +1% |
| 68505 | 18,834 | 4,356 | 18.6 min | 8.2% | $1,465 | +2% |
| 68508 | 18,163 | 6,126 | 14.5 min | 25.0% | $1,440 | 0% |
| 68504 | 17,278 | 2,470 | 18.7 min | 6.2% | $1,425 | −1% |
| 68507 | 16,029 | 1,441 | 19.6 min | 7.0% | $1,395 | −3% |
| 68503 | 15,867 | 5,438 | 17.4 min | 8.5% | $1,465 | +2% |
| 68522 | 14,836 | 1,401 | 18.2 min | 1.7% | $1,380 | −4% |
| 68512 | 13,802 | 1,514 | 20.3 min | 2.8% | $1,410 | −2% |
Minimum car insurance in Lincoln
Lincoln drivers follow Nebraska's rules: at least 25/50/25 liability coverage, and uninsured motorist coverage. Nebraska is at-fault (tort). We estimate state-minimum coverage in Lincoln at $450 a year, and $655 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Nebraska does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Underinsured motorist bodily injury coverage of at least 25/50 is required. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Lincoln premiums
Accidents
Nebraska recorded 251 traffic deaths, or 1.15 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Nebraska's vehicle theft rate is 185 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Lancaster County as relatively high for hail, relatively moderate for inland flooding and very high for strong wind.
Traffic & commuting
3.0% of Lincoln commuters spend an hour or more getting to work, and there are 1.78 vehicles per household. 11.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 98.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 98.8 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 85.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 99.2 | Comprehensive; dwelling | |
| Winter weather | 98.0 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Lincoln by driver profile
A clean-record driver in their 50s pays the least in our Lincoln model (about $1,320 for full coverage); an 18-year-old on their own policy pays about $3,945, and a DUI pushes a 30-something to $2,655.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,240 | $1,795 | $3,945 | $329 |
| Young adult (22) | $720 | $1,045 | $2,295 | $191 |
| Adult in their 30s | $450 | $655 | $1,435 | $120 |
| Adult in their 50s | $415 | $600 | $1,320 | $110 |
| Senior (72) | $505 | $730 | $1,605 | $134 |
| 30s, one at-fault accident | $655 | $945 | $2,080 | $173 |
| 30s, DUI on record | $835 | $1,210 | $2,655 | $221 |
Minimum vs. standard vs. full coverage in Lincoln
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $450 | $38 | $370–$530 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $655 | $54 | $535–$770 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,435 | $120 | $1,175–$1,690 |
Estimate your premium in Lincoln
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Cheap car insurance in Lincoln: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Lincoln's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $110 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 11.4% of Lincoln workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $430 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $780 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $315 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Lincoln
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 31 offices listed below.
- Check complaint records with the Nebraska Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Lincoln, our estimates differ by up to $85 a year between neighborhoods.
Car insurance agents near Lincoln, NE
We found 31 insurance offices within about 8 miles of central Lincoln, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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John Curry - State Farm
2001 N St, Suite 102, Lincoln, NE 68510 -
Kyson Denker - State Farm
2746 South Street, Lincoln, NE 68502 -
Forsyth Insurance
1265 South Cotner Boulevard, #21, Lincoln, NE 68510 -
Grant Trierweiler - Farmers Insurance
5251 R St, Lincoln, NE 68504 -
Douglas Kruce - American Family Insurance
5730 R St, Ste D, Lincoln, NE 68505 -
Drew Edmond - State Farm
4700 Normal Blvd, Lincoln, NE 68506 -
Mitchell Happ - Allstate
747 O St, Unit 100, Lincoln, NE 68508 -
Titlecore National
725 O Street, Lincoln, NE 68508 -
Ty Shearman - Allstate
1401 N 56th St, Ste 112, Lincoln, NE 68504 -
Lon Hollibaugh - American Family Insurance
4701 Huntington Ave, Lincoln, NE 68504 -
Jennifer Ulrich - State Farm
1221 N Cotner Blvd, Suite 2, Lincoln, NE 68505 -
Steve Lang - State Farm
1401 North Cotner Blvd, Suite 206, Lincoln, NE 68505 -
Providence Financial
1517 North Cotner Boulevard, Lincoln, NE 68505 -
Farmers Insurance - Daniel Payich
916 North 70th Street, Lincoln, NE 68505 -
Darin Johnson Agency, Inc
1530 S 70th St, Ste 103, Lincoln, NE 68506 -
Jason Mccarthy - American Family Insurance
1610 S 70th St, Ste 100, Lincoln, NE 68506 -
James L. Brown Agency Inc
4500 Cornhusker Hwy, Ste 1, Lincoln, NE 68504 -
Jon Foreman - Allstate
7800 O St, Ste 102, Lincoln, NE 68510 -
Linde Matthiesen - American Family Insurance
245 S 84th St, Ste LL119, Lincoln, NE 68510 -
Tim Wacker - State Farm
245 S 84th St, Suite W - 102 BIC Building, Lincoln, NE 68510 -
Erik Brooks - Allstate
1600 Normandy Ct, Ste 110, Lincoln, NE 68512 -
Gerit Schell - State Farm
1633 Normandy Ct, STE A, Lincoln, NE 68512 -
Jeff Haifley - State Farm
1777 North 86th Street, #103, Lincoln, NE 68505 -
Ogden Insurance Agency
8531 Lexington Avenue, #102, Lincoln, NE 68505 -
Michelle Boden - State Farm
5740 Old Cheney Road, Suite 9, Lincoln, NE 68516 -
Cain Martin - American Family Insurance
5815 S 58th St, Ste A, Lincoln, NE 68516 -
Earnest & Associates, Inc: Allstate Insurance Agent
6100 S 58th St, STE E, Lincoln, NE 68516 -
Cornhusker Insurance Agency
6100 Apples Way, #102, Lincoln, NE 68516 -
Ross Eickhoff - State Farm
5611 NW 1st Street, Suite 101, Lincoln, NE 68521 -
Rex Joseph F Viola - Farmers Insurance
7160 S 29th St, Lincoln, NE 68516 -
Ashley Freese & Associates, Inc.
8200 Cody Dr, Ste G1-H, Lincoln, NE 68512
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Lincoln
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,070 | −25% |
| Subaru Outback | Wagon | $1,090 | −24% |
| Tesla Model 3 | Midsize car | $1,485 | +3% |
| Subaru Forester | Small SUV | $1,065 | −26% |
| Honda Civic | Compact car | $1,595 | +11% |
| Toyota Corolla | Compact car | $1,495 | +4% |
| Jeep Wrangler | Midsize SUV | $1,130 | −21% |
| Mazda CX-5 | Small SUV | $1,190 | −17% |
| MINI Cooper | Subcompact car | $1,075 | −25% |
| Tesla Model Y | Midsize SUV | $1,340 | −7% |
More car insurance topics in Lincoln
Car insurance in nearby Nebraska cities
- Papillion $1,460/yr · 39 mi
- Fremont $1,400/yr · 45 mi
- Bellevue $1,460/yr · 45 mi
- Omaha $1,465/yr · 45 mi
- Grand Island $1,385/yr · 88 mi
- Norfolk $1,315/yr · 93 mi
- Kearney $1,360/yr · 126 mi
All Nebraska cities and state rules · Homeowners insurance in Lincoln
Frequently asked questions
How much is car insurance in Lincoln, NE?
We estimate full coverage in Lincoln at about $1,435 a year ($120 a month) for a driver in their 30s with a clean record, and about $450 for Nebraska's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Lincoln more expensive than the Nebraska average?
Our Lincoln estimate is 12% higher than the statewide figure. The model reflects a population density of 2,974 people per square mile (the typical Nebraska resident lives at about 347) and an average commute of 18.4 minutes versus 19.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Lincoln?
Drivers in Lincoln follow Nebraska law: at least 25/50/25 liability coverage and uninsured motorist coverage.
Which ZIP code in Lincoln has the cheapest car insurance?
Among Lincoln's 12 ZIP codes, 68522 has the lowest estimate (about $1,380 a year for full coverage) and 68503 the highest (about $1,465), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Lincoln?
An 18-year-old with their own full-coverage policy would pay around $3,945 a year in Lincoln by our estimate ($1,240 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Lincoln?
Yes. FEMA's National Risk Index rates Lancaster County for hail (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Lincoln?
We list 31 insurance offices in and around Lincoln, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Nebraska Department of Insurance: Importance of Auto Insurance and Types of Coverage
- Neb. Rev. Stat. 44-6408 (uninsured and underinsured motorist coverage required)
- Nebraska DMV: SR-22 for Revocations/Suspensions
- Nebraska DMV: Insurance Requirements (Proof of Financial Responsibility)
- Nebraska Department of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Lincoln and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places