For a 40-year-old driver with a clean record, Lincoln car insurance averages about $203 a month ($2,434 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 9% below the Nebraska average of $224 a month. Progressive has the lowest full-coverage average of the four insurers we price, at about $129 a month.
Lincoln has the lowest full-coverage average of the 38 Nebraska cities and towns we price: about $21 a month less than the Nebraska average and about $36 a month less than Omaha.
If you’re looking for cheap car insurance in Lincoln, the insurer matters far more than the neighborhood in our data. Progressive and Farmers Mutual of Nebraska average about $129 and $142 a month here, and Farm Bureau Financial Services and Allstate about $269 and $271, roughly twice as much.
Cost data comes from the auto rates insurers file with state regulators, priced across all 15 Lincoln ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Lincoln, NE?
Full coverage in Lincoln averages $2,434 a year, or about $203 a month, for our benchmark driver. Liability-only coverage at Nebraska’s 25/50/25 minimum averages $607 a year ($51 a month), and 50/100/50 liability with comprehensive and collision averages $2,336 ($195 a month).
- Full coverage (100/300/100, $500 deductibles): $2,434 a year ($203 a month)
- 50/100/50 with $500 deductibles: $2,336 a year ($195 a month)
- Liability only (25/50/25): $607 a year ($51 a month)
- Lancaster County: $2,434 a year ($203 a month) for full coverage
- Nebraska average: $2,688 a year ($224 a month) for full coverage
- ZIP code range: $201 (68510) to $206 (68503) a month for full coverage
Cheap Car Insurance in Lincoln: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $129 a month ($1,545 a year).
- Next lowest open to all drivers: Farmers Mutual of Nebraska, at about $142 a month, then Farm Bureau Financial Services and Allstate, effectively tied at $269 and $271.
- Liability only (25/50/25): Farmers Mutual of Nebraska and Progressive, effectively tied at about $28 a month each.
- State Farm (Nov. 2025 rates)*: about $195 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $129 a month, Auto-Owners at $152, GEICO at $165 and Shelter at $183 (USAA sells only to military families).
- Most expensive in our data: Allstate and Farm Bureau Financial Services, effectively tied at about $271 and $269 a month.
Progressive has the lowest full-coverage average among the four insurers in our Lincoln rate data. The published 2026 statewide Nebraska rate studies we reviewed don’t agree on the cheapest insurer for full coverage. Of the seven that price it, two put Farmers Mutual of Nebraska first and two GEICO, apart from USAA, which sells only to military families, and the other three name other insurers. Farmers Mutual of Nebraska is first or second in all five that include it. For liability-only coverage at 25/50/25 limits, Farmers Mutual of Nebraska and Progressive are effectively tied for the lowest average, at about $28 a month each.
Full-coverage averages by insurer in Lincoln
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $340 | $28 | $1,545 | $129 |
| Farmers Mutual of Nebraska | $330 | $28 | $1,705 | $142 |
| Farm Bureau Financial Services | $666 | $56 | $3,232 | $269 |
| Allstate | $1,091 | $91 | $3,253 | $271 |
| State Farm (Nov. 2025 rates)* | $625 | $52 | $2,342 | $195 |
| USAA (military families)* | $403 | $34 | $1,552 | $129 |
| Auto-Owners* | $476 | $40 | $1,822 | $152 |
| GEICO* | $375 | $31 | $1,976 | $165 |
| Shelter* | $587 | $49 | $2,190 | $183 |
| Lincoln average | $607 | $51 | $2,434 | $203 |
This table uses Lincoln ZIP codes only. See how we calculated these rates.
Lincoln Car Insurance Rates by ZIP Code
Across the 15 Lincoln ZIP codes we price, full coverage for our driver ranges from about $201 a month in 68510 to $206 in 68503, a gap of $56 a year. All 15 Lincoln ZIP codes are within about $5 a month of each other, so your ZIP code moves your price far less here than in Omaha.
Lowest-priced Lincoln ZIP code
Highest-priced Lincoln ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Lincoln’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 68502 | $626 | $52 | $2,449 | $204 | About average |
| 68503 | $635 | $53 | $2,472 | $206 | +1% |
| 68504 | $610 | $51 | $2,441 | $203 | About average |
| 68505 | $606 | $51 | $2,423 | $202 | About average |
| 68506 | $613 | $51 | $2,424 | $202 | About average |
| 68507 | $607 | $51 | $2,437 | $203 | About average |
| 68508 | $616 | $51 | $2,439 | $203 | About average |
| 68510 | $612 | $51 | $2,416 | $201 | -1% |
| 68512 | $598 | $50 | $2,427 | $202 | About average |
| 68516 | $598 | $50 | $2,423 | $202 | About average |
| 68521 | $610 | $51 | $2,430 | $203 | About average |
| 68522 | $607 | $51 | $2,431 | $203 | About average |
| 68524 | $599 | $50 | $2,432 | $203 | About average |
| 68526 | $570 | $48 | $2,425 | $202 | About average |
| 68528 | $596 | $50 | $2,436 | $203 | About average |
Your ZIP code matters
How Much More Does Better Coverage Cost in Lincoln?
Raising liability limits from 50/100/50 to 100/300/100 adds about $98 a year on average in our Lincoln data, with the same $500 deductibles. That’s about $8 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Lincoln?
Not for our benchmark driver. Comparing the same insurers in the same Lincoln ZIP codes, full coverage averaged $2,584 a year in rates as of Nov. 30, 2025, and $2,434 as of Aug. 31, 2026, a 5.8% drop. Progressive cut its Lincoln average 23.0% and Farm Bureau Financial Services 9.9%, while Allstate raised its average 7.1%; Farmers Mutual of Nebraska’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits fell 0.8%, led by Progressive, which cut its liability-only average 16.5%.
What Keeps Car Insurance Costs Down in Lincoln
Lancaster County averages about $203 a month for full coverage, the least expensive of the 30 Nebraska counties we price, and all 15 of its ZIP codes in our data have a Lincoln mailing address.
Nearby towns cost a little more: Crete, southwest in Saline County, averages about $215 a month, Seward, to the west, $212 and Wahoo, to the north in Saunders County, $218. Nebraska insurers price by location as well as by driver and car, so your ZIP code can move your price.
Liability-only coverage is a different story. At about $51 a month, Lincoln is a little above the Nebraska liability-only average of $50.
How Lincoln Car Insurance Compares With Other Nebraska Cities
More Nebraska cities and towns are in the Nebraska rates by city table, and you can compare states on our car insurance rates by state page.
Omaha, about 50 miles northeast, averages $239 a month, Fremont, about 45 miles north, $211 and Grand Island, about 85 miles west, $208.
What Car Insurance Is Required in Lincoln?
Drivers in Lincoln follow Nebraska’s auto insurance laws. Every auto liability policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per crash
Our Nebraska requirements guide covers proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Lincoln
- Compare Progressive and Farmers Mutual of Nebraska first. They have the two lowest full-coverage averages open to all drivers in our Lincoln data, about $129 and $142 a month.
- Quote several insurers. In our Lincoln data, the lowest and highest insurer averages are about $142 a month apart for the same driver and car.
- Ask for a rerate if your credit has improved. Nebraska insurers can use credit-based insurance scores, but under Neb. Rev. Stat. 44-7705 they can’t base your renewal rate on credit alone, and at renewal you can ask them to rerate your policy using a current credit report or score.
- Compare at every renewal. Since November 2025, Progressive has cut its Lincoln average 23.0% and Farm Bureau Financial Services 9.9%, while Allstate has raised its average 7.1%, so the order in our table can shift.
- Insure your car and home together. A multi-policy discount is a common way to save, so compare Nebraska home insurance rates too.
Ready to compare
How We Calculated Lincoln Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 60 full-coverage premiums from four insurers across 15 Lincoln ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Nebraska averages come from four insurers, fewer than in most states. Two of them, Farmers Mutual of Nebraska and Progressive, charge far less than the other two for full coverage in every Nebraska city and town we price, so the averages can move a lot when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Nebraska’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Nebraska requires 25/50 uninsured and underinsured motorist coverage on every auto liability policy.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Nebraska rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Nebraska law and the Nebraska Department of Motor Vehicles. We refresh these figures when new rate data is released.
Lincoln Car Insurance FAQ
For our benchmark driver, full coverage in Lincoln averages about $203 a month ($2,434 a year) and liability-only coverage about $51 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 9% below the Nebraska average of $224 a month.
Progressive has the lowest full-coverage average in our Lincoln rate data, at about $129 a month, followed by Farmers Mutual of Nebraska at $142 among insurers open to all drivers. USAA, which sells only to military families, averages about $129 a month. For liability-only coverage, Farmers Mutual of Nebraska and Progressive are effectively tied for the lowest average. The published 2026 statewide Nebraska rate studies we reviewed don’t agree on the cheapest insurer for full coverage: of the seven that price it, two put Farmers Mutual of Nebraska first and two GEICO, apart from USAA, and Farmers Mutual of Nebraska is first or second in all five that include it. Rates vary by driver, so compare quotes for your own car and ZIP code.
Lincoln, for our benchmark driver. Lincoln full coverage averages about $203 a month and Omaha about $239, a difference of about $36 a month for the same driver and car.
In our data, 68510 has the lowest full-coverage average in Lincoln, at about $201 a month, and 68503 the highest, at about $206. The ZIP code table on this page lists all 15.
In our Lincoln data, full coverage (100/300/100 with $500 deductibles) averages about $203 a month and liability-only coverage at 25/50/25 limits about $51, a difference of about $152 a month ($1,827 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Lincoln full coverage fell 5.8% between November 2025 and August 2026, from about $2,584 to $2,434 a year. Progressive cut its Lincoln average 23.0% and Farm Bureau Financial Services 9.9%, while Allstate raised its average 7.1%. Liability-only coverage at 25/50/25 limits fell 0.8%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
