120+ more*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Auto-Owners offers the most affordable car insurance in Lincoln, Nebraska.
Lincoln drivers pay an average of $96 per month, compared to the monthly Nebraska average cost of $100.
Lincoln tops Nebraska cities for accidents — 6.48% of drivers in Lincoln have an accident in their driving history.
The average rate for a state-minimum insurance policy in Lincoln is $70 per month, while a full-coverage policy costs an average of $121 per month. This is about equal to Nebraska’s average rates and lower than the U.S. national average.
Lincoln drivers put the fewest miles on their cars of any major Nebraska city, averaging only 8,612 miles per year. Fifty miles north in Fremont, drivers put 9,435 miles on their cars annually.
But despite driving more miles, Fremont drivers pay slightly lower liability insurance rates. Still, Lincoln drivers pay lower full-coverage rates than Fremont drivers.
In the table below, you can see the average monthly car insurance costs in Lincoln versus Nebraska as a whole.
Car Insurance Costs in Lincoln vs. Nebraska  | Average Monthly Quote |
|---|---|
| Lincoln average | $96 |
| Nebraska average | $100 |
Auto-Owners offers the cheapest car insurance in Lincoln for drivers who want liability-only coverage, with rates averaging $39 per month.
Drivers looking for cheap full-coverage car insurance in Lincoln can find the best rates from Auto-Owners, with rates averaging $80 per month.
Liability rates start as low as $39 per month
Lincoln is the capital of Nebraska, home to the 24,000 college students attending the University of Nebraska-Lincoln and the headquarters for multiple manufacturing companies.[1] With a population of more than 300,000, Lincoln offers the best parts of small-town and big-city living, but it’s a good idea to keep a few things in mind when driving there.
Winter street parking: Winters in Lincoln are snowy, and the city got more than 43 inches of snowfall in 2019. Not only does snow make driving more difficult, but it may also affect where you can park. Lincoln issues parking bans on both sides of emergency snow routes and snow-removal districts, including metered stalls, after major snowfall. Violating cars may be fined, towed, and stored at the owner’s expense.
DUI trends: Lincoln police have reported a 12% increase in driving under the influence (DUI) citations in 2025 compared to the previous five-year average.[2]
Huskers parking and traffic congestion: Nebraskans love supporting their college athletes, and they swarm to the University of Nebraska-Lincoln for football, basketball, volleyball, and other athletics. A 2023 Cornhuskers women’s volleyball game brought in a record 92,003 attendees, but even the more typical crowds of 8,000 can make parking on or near campus and driving around town difficult.
Interstates 80 and 77: I-80 and Highway 77 run through Lincoln. Traffic and commuters on these highways can cause congestion on surface streets and potentially cause car accidents.
University of Nebraska-Lincoln: The nearly 24,000 students attending this college in Lincoln also means a large number of young and inexperienced drivers on the road.
For 2024, the National Insurance Crime Bureau reported 4,102 vehicle thefts in Nebraska. Of those thefts, 589 cars were stolen in Lincoln and 3,151 were stolen in Omaha.
Vehicle theft trends can help Lincoln residents better understand the cost of their car insurance coverage. If you live in an area with a high volume of car thefts, insurance companies will likely charge you higher premiums to cover the higher risk of theft.
In addition, if you drive one of the most commonly stolen vehicles, you’re more likely to pay a higher insurance premium. In Nebraska, the Chevrolet Silverado 1500 and the Hyundai Elantra are the two most commonly stolen cars.
Though it’s only 60 miles away from Lincoln, Omaha residents pay more for car insurance. This is partly due to size and population density. Lincoln is a smaller city, encompassing 104 square miles and a population of 300,000, while Omaha has a population of approximately 489,000 across about 141 square miles.
Greater population density means more cars on the road and more opportunities for car accidents, which is one reason Lincoln drivers tend to have lower car insurance rates than Omaha drivers. Also, Omaha experiences a much higher rate of vehicle theft than Lincoln, which also drives up car insurance rates.
In the table below, you’ll find the average monthly car insurance quote for Lincoln and several other Nebraska cities.
City | Average Monthly Quote |
|---|---|
| Columbus | $92 |
| Fremont | $102 |
| Grand Island | $90 |
| Lincoln | $96 |
| Norfolk | $86 |
| Omaha | $121 |
Although Lincoln experiences rush-hour traffic, it tends to be relatively mild, with most commuters spending 15 to 19 minutes behind the wheel to get to work. But traffic and parking become serious issues during University of Nebraska football season and on other game days.
These games can draw huge out-of-town crowds, causing congestion on I-80, Highway 77, and on surface streets. Many Cornhusker fans also consume alcohol while watching their favorite college team, and some may get behind the wheel afterward. Lincoln police are likely to be more vigilant in checking for DUI on game days.[3]
These factors can all affect the cost of your Lincoln auto insurance, especially if you live close to campus.
Auto-Owners offers the cheapest state-minimum car insurance for Lincoln drivers, with rates averaging $39 per month.
Nebraska requires all drivers to carry minimum liability insurance coverage, including $25,000 in bodily injury liability coverage for one person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.[4]
The Cornhusker state also requires all drivers to carry coverage to protect against uninsured motorists and underinsured motorists. Approximately 9.5% of Nebraska drivers are uninsured, according to the Insurance Information Institute.
In the following table, you’ll find the cheapest rates for liability-only coverage in Lincoln.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $39 |
| American Family | $54 |
| National General | $54 |
| USAA | $60 |
| GEICO | $62 |
| Allstate | $65 |
| State Farm | $67 |
| Root | $71 |
| Safeco | $71 |
| AssuranceAmerica | $72 |
| The General | $73 |
| Bristol West | $88 |
| Nationwide | $90 |
| Liberty Mutual | $95 |
| Dairyland | $100 |
| Farmers | $112 |
| Shelter | $114 |
Auto-Owners offers the cheapest full-coverage auto insurance in Lincoln, with rates averaging $80 per month. Full-coverage insurance policies typically include collision coverage and comprehensive coverage in addition to state-minimum requirements.
A crash occurs in Lincoln about every 58 minutes, according to the Lincoln Crash Data Analysis. This may make choosing a full-coverage auto insurance policy worth it.[5] With full coverage, you have protection in an accident, collision, or other incident, no matter who’s at fault.
In the table below, you’ll find the cheapest rates for full-coverage auto insurance in Lincoln.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $80 |
| National General | $110 |
| American Family | $112 |
| USAA | $124 |
| GEICO | $129 |
| Root | $129 |
| Allstate | $136 |
| Safeco | $137 |
| State Farm | $140 |
| AssuranceAmerica | $147 |
| Liberty Mutual | $172 |
| Nationwide | $187 |
| The General | $193 |
| Bristol West | $195 |
| Dairyland | $220 |
| Farmers | $231 |
| Shelter | $237 |
*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Lincoln police take speeding seriously, and fines range from $50 for driving 1–5 mph over the speed limit up to $400 for driving 36+ mph over the speed limit. These fines double if the speeding occurs in a school or construction zone.[6]
Lincoln drivers with a speeding ticket pay an average of $89 per month for liability policies.
In the table below, you’ll find the cheapest Lincoln car insurance rates for drivers with a speeding ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $51 |
| National General | $68 |
| American Family | $71 |
| USAA | $78 |
| GEICO | $82 |
| Allstate | $85 |
| State Farm | $86 |
| AssuranceAmerica | $93 |
| Safeco | $94 |
| Root | $96 |
| The General | $99 |
| Bristol West | $112 |
| Nationwide | $118 |
| Liberty Mutual | $122 |
| Dairyland | $126 |
| Farmers | $145 |
| Shelter | $153 |
Nebraska is an at-fault, or tort, state for car insurance, meaning drivers are liable for accidents they cause. Lincoln is the highest-ranked Nebraska city for at-fault accidents, with 6.48% of drivers in the city having at least one at-fault accident on their driving record, according to Insurify data.
Liability policies average $89 per month for Lincoln drivers with an at-fault accident on their driving record.
If you have an accident on your record, the following table shows the cheapest Lincoln car insurance for your situation.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $52 |
| National General | $72 |
| American Family | $73 |
| USAA | $81 |
| GEICO | $82 |
| Allstate | $88 |
| State Farm | $89 |
| Root | $96 |
| AssuranceAmerica | $96 |
| Safeco | $99 |
| The General | $101 |
| Bristol West | $117 |
| Nationwide | $122 |
| Liberty Mutual | $127 |
| Dairyland | $133 |
| Farmers | $151 |
| Shelter | $156 |
Nebraska’s DUI penalties may include fines that can range from $500 to $10,000, driver’s license suspension, and possible jail time, depending on the number of offenses.[7]
According to Insurify data, 1.66% of Lincoln drivers have a DUI, which is second only to Columbus, where 1.89% of drivers have a DUI conviction.
It can be difficult to find affordable insurance after a DUI, since some car insurance companies won’t offer coverage after a DUI conviction. But it’s still possible to find the right coverage at a price you can afford.
In the table below, you’ll find the cheapest Lincoln insurance coverage options for drivers with a DUI.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $54 |
| American Family | $74 |
| National General | $74 |
| USAA | $82 |
| GEICO | $84 |
| Allstate | $89 |
| State Farm | $92 |
| The General | $97 |
| Root | $98 |
| AssuranceAmerica | $99 |
| Safeco | $104 |
| Bristol West | $121 |
| Nationwide | $124 |
| Liberty Mutual | $130 |
| Dairyland | $137 |
| Farmers | $154 |
| Shelter | $158 |
Monthly rates start at $51 for drivers with an incident
As of 2023, drivers aged 19 and younger represented 8% of all licensed drivers in the Cornhusker State, and these young drivers were involved in 18% of all reported crashes.[8]
Parents can teach safe driving habits to teens, but inexperience behind the wheel is the primary reason teen drivers pay the highest car insurance rates of any age demographic.
Teen drivers in Lincoln pay monthly averages of $140 for liability policies and $242 for full-coverage policies.
Check out the most affordable car insurance companies for Lincoln teens in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $83 |
| American Family | $107 |
| National General | $113 |
| USAA | $117 |
| GEICO | $118 |
| Root | $130 |
| Allstate | $135 |
| State Farm | $136 |
| The General | $138 |
| Safeco | $151 |
| AssuranceAmerica | $156 |
| Bristol West | $164 |
| Liberty Mutual | $176 |
| Dairyland | $184 |
| Nationwide | $184 |
| Farmers | $235 |
| Shelter | $239 |
Lincoln is home to a large 65+ population, which makes up 14.8% of its total population.
After a lifetime of safe driving experience, senior drivers tend to pay the lowest car insurance rates of any age group. Liability policies for seniors in Lincoln cost $57 per month, on average.
The data in the table below shows the cheapest car insurance rate for senior drivers in Lincoln.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $30 |
| National General | $41 |
| American Family | $42 |
| USAA | $47 |
| GEICO | $48 |
| State Farm | $51 |
| Allstate | $51 |
| AssuranceAmerica | $55 |
| Root | $58 |
| Safeco | $60 |
| The General | $61 |
| Nationwide | $67 |
| Bristol West | $71 |
| Liberty Mutual | $77 |
| Shelter | $79 |
| Dairyland | $83 |
| Farmers | $86 |
If you’re looking for the cheapest car insurance in Lincoln, the answers to the following questions can help you find the right coverage to meet your insurance needs.
Lincoln drivers pay an average of $96 per month for auto insurance. But the specific rate you pay may vary depending on your deductible, location, driving history, and other factors.
Auto-Owners offers the most affordable car insurance in Lincoln, with monthly liability rates of $39, according to Insurify data.
Traffic patterns on game days may affect insurance rates, since the University of Nebraska-Lincoln campus is home to several college athletic teams that draw huge crowds year-round. Winter weather and its effect on parking availability may also affect your insurance rates.
Lincoln residents can take advantage of affinity discounts, defensive driver discounts, multi-policy discounts, and discounts for bundling homeowners insurance or renters insurance with an auto insurance policy.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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