Car Insurance in Lincoln, NE – Cheapest to Insure (2025) + Quotes

What are the cheapest vehicles to insure in Lincoln, Nebraska? We break down average insurance rates and rank 150+ models based on the cheapest car insurance quotes.

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  • Average car insurance cost in Lincoln is $2,108 per year, or about $176 per month.
  • Lincoln, NE, car insurance costs an average of $80 per year less than the Nebraska state average cost ($2,188) and $113 per year less than the average rate for all 50 states ($2,221).
  • Monthly auto insurance rates for a few popular models in Lincoln include the Ford F150 at $197, Ram Truck at $203, and GMC Sierra at $194.
  • For cheap auto insurance in Lincoln, small crossovers like the Chevrolet Trailblazer, Kia Soul, Subaru Crosstrek, and Toyota Corolla Cross have some of the best car insurance rates.
  • A few vehicles with the lowest cost car insurance in Lincoln in their automotive segment include the Mercedes-Benz CLA250 ($2,168 per year), Chevrolet Colorado ($1,854 per year), Chevrolet Tahoe ($1,978 per year), and Jaguar E-Pace ($1,970 per year).

How much does car insurance cost in Lincoln?

Average car insurance cost in Lincoln is $2,108 per year, which is 5.2% less than the overall U.S. national average rate of $2,221. Average car insurance cost per month in Lincoln is $176 for full coverage.

In the state of Nebraska, the average car insurance expense is $2,188 per year, so the average cost in Lincoln is $80 less per year. When compared to other cities in Nebraska, the cost of insurance in Lincoln is approximately $66 per year less than in Kearney, $32 per year more than in Grand Island, and $192 per year cheaper than in Omaha.

The next chart shows average Lincoln auto insurance cost for all 2024 models. Rates are averaged for all Lincoln Zip Codes and shown for both different driver ages and physical damage deductibles.

Average full-coverage car insurance premium in Lincoln, NE for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Lincoln, NE for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Lincoln, NE Zip Codes.

Average Car Insurance Cost in Lincoln, NE
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,584$299
$500$4,238$353
$250$4,928$411
30$1,000$1,882$157
$500$2,246$187
$250$2,626$219
40$1,000$1,774$148
$500$2,108$176
$250$2,458$205
50$1,000$1,578$132
$500$1,866$156
$250$2,168$181
60$1,000$1,478$123
$500$1,748$146
$250$2,032$169

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Lincoln, NE Zip Codes. Updated June 27, 2025

In the chart above, the cost of auto insurance in Lincoln ranges from $1,478 per year for a 60-year-old driver with a high deductible policy to $4,928 per year for a 20-year-old driver with a low deductible. From a monthly budget standpoint, the average cost in the chart above ranges from $123 to $411 per month.

Auto insurance rates can cost significantly different amounts and seemingly inconsequential changes in a driver’s risk profile can have considerable effects on car insurance cost. Due to the high likelihood of rate variability, this reinforces the need to get multiple car insurance quotes when looking for the cheapest car insurance in Lincoln, NE.

The age of the rated driver is the largest factor that influences the cost of car insurance. The list below illustrates these differences by showing the difference in average car insurance rates in Lincoln for driver ages from 16 to 60.

Lincoln, Nebraska, car insurance cost for drivers age 16 to 60

  • 16-year-old driver – $7,506 per year or $626 per month
  • 17-year-old driver – $7,272 per year or $606 per month
  • 18-year-old driver – $6,518 per year or $543 per month
  • 19-year-old driver – $5,935 per year or $495 per month
  • 20-year-old driver – $4,238 per year or $353 per month
  • 30-year-old driver – $2,246 per year or $187 per month
  • 40-year-old driver – $2,108 per year or $176 per month
  • 50-year-old driver – $1,866 per year or $156 per month
  • 60-year-old driver – $1,748 per year or $146 per month

The rates shown above for teen drivers assumed a male driver. The next chart illustrates car insurance cost for teens by gender. Young female drivers tend to have cheaper car insurance rates than their male counterparts.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Lincoln includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Lincoln, NE for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$7,506$7,009
17-Year-Old$7,272$6,968
18-Year-Old$6,518$6,012
19-Year-Old$5,935$5,015

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 26, 2025

Auto insurance for a 16-year-old female in Lincoln costs an average of $497 less per year than the cost for a male driver, while at age 19, the cost difference is smaller but males still pay $920 more per year.

The prior rates are the average cost across all 2024 model year vehicles, which is suitable when making big picture comparisons like the average cost difference between two Nebraska cities.

But for more useful cost comparisons, it makes sense to look at the exact make and model of vehicle being insured. In the next few sections, we go into much more detail for specific vehicles, but for now, a few of the most popular models will be used to see how auto insurance rates measure up in Lincoln.

The next chart displays the cost of auto insurance in Lincoln for popular cars, trucks, and SUVs. At the end of this article, we explore additional situations that affect the cost of insuring a few of these models even more in-depth.

Average cost to insure popular 2024 model year vehicles in Lincoln.
Figure 3: Average cost to insure popular 2024 model year vehicles in Lincoln. Rates updated on June 27, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Lincoln Zip Codes.

Lincoln, NE, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Mazda CX-5$1,718$143
Honda CR-V$1,796$150
Subaru Forester$1,874$156
Nissan Rogue$1,892$158
Toyota Highlander$1,916$160
Ford Escape$1,920$160
Toyota RAV4$1,942$162
Chevrolet Traverse$1,964$164
Honda Accord$2,034$170
Honda Pilot$2,050$171
Toyota Tacoma$2,136$178
Hyundai Santa Fe$2,142$179
Toyota 4Runner$2,260$188
Toyota Camry$2,260$188
Ford Mustang$2,314$193
GMC Sierra$2,324$194
Chevrolet Silverado$2,330$194
Ford F150$2,358$197
Ram Truck$2,436$203
Chevrolet Corvette$2,916$243

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Lincoln, NE Zip Codes. Updated June 27, 2025

In Lincoln, which vehicles are cheapest to insure?

When comparing all types of models, the vehicles with the cheapest average auto insurance prices in Lincoln tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Kia Soul, Hyundai Venue, and Buick Envision. Average insurance prices for those vehicles cost $1,714 or less per year for a full coverage policy.

A few other models that rank very well in the comparison table below are the Kia Niro, Subaru Outback, Honda CR-V, and Nissan Murano. Average rates are a little bit more for those models than the small SUVs that rank at the top, but they still have an average cost of $1,832 or less per year.

The table below shows the 20 cheapest vehicles to insure in Lincoln, ordered by cost.

Top 20 Cheapest Vehicles to Insure in Lincoln, Nebraska
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,556$130
2Chevrolet Trailblazer$1,584$132
3Kia Soul$1,644$137
4Nissan Kicks$1,656$138
5Honda Passport$1,676$140
6Buick Envision$1,688$141
7Toyota Corolla Cross$1,694$141
8Hyundai Venue$1,714$143
9Mazda CX-5$1,718$143
10Ford Bronco Sport$1,726$144
11Volkswagen Tiguan$1,744$145
12Acura RDX$1,762$147
13Nissan Murano$1,770$148
14Buick Encore$1,790$149
15Subaru Outback$1,794$150
16Honda CR-V$1,796$150
17Buick Envista$1,800$150
18Volkswagen Taos$1,802$150
19Kia Niro$1,814$151
20Toyota GR Corolla$1,830$153

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lincoln, NE Zip Codes. Updated June 26, 2025

Top 20 cheapest vehicles to insure in Lincoln, NE with the Subaru Crosstrek ranking first at $1,556 per year
Top 20 cheapest vehicles to insure in Lincoln, NE with the Subaru Crosstrek ranking first at $1,556 per year

A list of 20 vehicle models with cheap Lincoln car insurance is fine if you just want the lowest rates. Considering the fact that we have over 700 models in our database, there are a lot of rates not being shown. Let’s take a different approach and show the vehicles with the best rates in a format that makes more sense, by vehicle segment.

The next section discusses average auto insurance cost by vehicle segment. The average rates shown should provide a good idea of which types of vehicles have the best car insurance rates in Lincoln. The sections following the chart rank the 20 models with the most affordable insurance for each segment.

Lincoln car insurance rates by vehicle segment

If you’re looking to buy a different vehicle, it’s important to know which kinds of vehicles have better auto insurance rates in Lincoln. To illustrate this, maybe you want to know if midsize SUVs are more affordable to insure than small SUVs or if sports cars are cheaper to insure than luxury cars.

The chart below displays the average auto insurance cost in Lincoln for each automotive segment. As a general rule, small SUVs, vans, and midsize pickups tend to have the least expensive rates, while sports cars and performance luxury models have the most expensive average cost to insure.

Car insurance average cost by automotive segment in Lincoln, NE.
Figure 4: Car insurance average cost by automotive segment in Lincoln, NE. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Lincoln Zip Codes.

Car Insurance Rates by Automotive Segment in Lincoln, NE
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,934$161
Midsize SUV$2,078$173
Compact Car$2,082$174
Minivan$2,084$174
Midsize Pickup$2,130$178
Midsize Car$2,148$179
Compact Luxury SUV$2,282$190
Compact Luxury Car$2,318$193
Large SUV$2,328$194
Half-ton Pickup$2,336$195
Heavy Duty Pickup$2,422$202
Midsize Luxury SUV$2,502$209
Midsize Luxury Car$2,584$215
Sports Car$2,896$241
Large Car$3,032$253
Large Luxury SUV$3,258$272
Large Luxury Car$3,372$281

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Lincoln, NE Zip Codes. Updated June 27, 2025

Auto insurance rates by segment are useful for overall comparisons, but insurance cost varies substantially within each vehicle segment listed above.

For example, in the small SUV segment, car insurance rates in Lincoln range from the Subaru Crosstrek costing $1,556 per year up to the Ford Mustang Mach-E at $2,462 per year.

As another example, in the midsize truck segment, rates range from the Chevrolet Colorado costing $1,854 per year up to the Rivian R1T at $2,626 per year, a difference of $772 within that segment.

In the upcoming sections, we will remove much of this variability by comparing the cost of auto insurance in Lincoln for individual vehicle models.

Cheapest cars to insure in Lincoln, NE

The top four cars with the lowest-cost insurance rates in Lincoln are the Toyota GR Corolla at $1,830 per year, Nissan Leaf at $1,844 per year, Honda Civic at $1,866 per year, and Nissan Sentra at $1,934 per year.

Not the cheapest, but still in the top 10, are models like the Kia K5, Chevrolet Malibu, Toyota Corolla, and Toyota Prius, with an average car insurance cost of $2,054 per year or less.

In the bottom half of the top 20, models like the Mitsubishi Mirage G4, Kia Forte, Hyundai Ioniq 6, Mazda 3, and Subaru Legacy cost between $2,054 and $2,178 per year for auto insurance in Lincoln.

From a monthly standpoint, auto insurance in this segment for an average middle-age driver starts at around $153 per month, depending on where you live.

When ranked by vehicle size, the lowest-cost non-luxury compact car to insure in Lincoln is the Toyota GR Corolla at $1,830 per year. For midsize cars, the Kia K5 is the cheapest model to insure at $2,028 per year. And for full-size sedans, the Chrysler 300 is the cheapest model to insure at $2,004 per year.

The table below ranks the twenty cars with the lowest-cost average car insurance rates in Lincoln, starting with the Toyota GR Corolla at $1,830 per year and ending with the Mazda 3 at $2,178 per year.

Cheapest Cars to Insure in Lincoln, Nebraska
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,830$153
Nissan LeafCompact$1,844$154
Honda CivicCompact$1,866$156
Nissan SentraCompact$1,934$161
Subaru ImprezaCompact$1,936$161
Toyota PriusCompact$1,970$164
Kia K5Midsize$2,028$169
Honda AccordMidsize$2,034$170
Chevrolet MalibuMidsize$2,046$171
Toyota CorollaCompact$2,054$171
Kia ForteCompact$2,060$172
Volkswagen ArteonMidsize$2,070$173
Subaru LegacyMidsize$2,076$173
Nissan VersaCompact$2,078$173
Hyundai Ioniq 6Midsize$2,096$175
Mitsubishi Mirage G4Compact$2,128$177
Toyota CrownMidsize$2,132$178
Volkswagen JettaCompact$2,134$178
Hyundai SonataMidsize$2,138$178
Mazda 3Compact$2,178$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lincoln, NE Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Lincoln, NE, with the Toyota GR Corolla ranking first at $1,830 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Lincoln, NE, with the Toyota GR Corolla ranking first at $1,830 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Lincoln car insurance quotes from top-rated car insurance companies in Nebraska.

Cheapest SUV insurance rates in Lincoln, NE

Ranking in the top five for the cheapest Lincoln car insurance rates in the SUV segment (excluding luxury models) are the Honda Passport, Kia Soul, Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks. Car insurance prices for these vehicles average $140 or less per month.

Other SUVs that have cheaper rates include the Toyota Corolla Cross, Ford Bronco Sport, Mazda CX-5, and Buick Envision, with an average car insurance cost of $1,726 per year or less.

Ranked in the bottom half of the top 20 cheapest SUVs to insure, models like the Subaru Ascent, Volkswagen Tiguan, Volkswagen Taos, Nissan Murano, Kia Niro, and Subaru Outback cost between $1,726 and $1,832 per year for full-coverage insurance.

From a cost per month standpoint, full-coverage auto insurance in this segment for a safe driver starts at an average of $130 per month, depending on the company and your location.

When the SUV segment is analyzed by vehicle size, the most affordable non-luxury compact SUV to insure in Lincoln is the Subaru Crosstrek at $1,556 per year. For midsize 2024 models, the Honda Passport has the cheapest rates at $1,676 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $1,978 per year.

The next table ranks the twenty SUVs with the most affordable insurance in Lincoln, starting with the Subaru Crosstrek at $130 per month and ending with the Subaru Ascent at $153 per month.

Cheapest SUVs to Insure in Lincoln, Nebraska
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,556$130
Chevrolet TrailblazerCompact$1,584$132
Kia SoulCompact$1,644$137
Nissan KicksCompact$1,656$138
Honda PassportMidsize$1,676$140
Buick EnvisionCompact$1,688$141
Toyota Corolla CrossCompact$1,694$141
Hyundai VenueCompact$1,714$143
Mazda CX-5Compact$1,718$143
Ford Bronco SportCompact$1,726$144
Volkswagen TiguanCompact$1,744$145
Nissan MuranoMidsize$1,770$148
Buick EncoreCompact$1,790$149
Subaru OutbackMidsize$1,794$150
Honda CR-VCompact$1,796$150
Buick EnvistaMidsize$1,800$150
Volkswagen TaosCompact$1,802$150
Kia NiroCompact$1,814$151
Honda HR-VCompact$1,832$153
Subaru AscentMidsize$1,832$153

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lincoln, NE Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Lincoln, NE, with the Subaru Crosstrek ranking first at $1,556 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Lincoln, NE, with the Subaru Crosstrek ranking first at $1,556 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see insurance cost for your SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Nebraska.

Cheapest luxury car insurance rates in Lincoln

The three top-ranked luxury car models with the most affordable auto insurance in Lincoln are the Acura Integra at $1,874 per year, the BMW 330i at $2,146 per year, and the Mercedes-Benz CLA250 at $2,168 per year.

Not the cheapest to insure, but still ranked well, are models like the Mercedes-Benz AMG CLA35, Genesis G70, Lexus RC 300, and Cadillac CT4, with average rates of $2,216 per year or less.

Additional 2024 models that made the list include the Lexus RC 350, Lexus IS 350, BMW 228i, Jaguar XF, and BMW 230i, which cost between $2,216 and $2,362 per year to insure.

Car insurance rates in Lincoln for this segment for the average driver starts at an average of $156 per month, depending on where you live.

The cheapest compact luxury car to insure in Lincoln is the Acura Integra at $1,874 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,168 per year. And for full-size luxury cars, the Audi A5 has the cheapest rates at $2,502 per year.

The comparison table below ranks the twenty cars with the cheapest insurance in Lincoln, starting with the Acura Integra at $1,874 per year ($156 per month) and ending with the Audi S3 at $2,362 per year ($197 per month).

Cheapest Luxury Cars to Insure in Lincoln, Nebraska
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,874$156
BMW 330iCompact$2,146$179
Mercedes-Benz CLA250Midsize$2,168$181
Lexus IS 300Midsize$2,172$181
Acura TLXCompact$2,180$182
Cadillac CT4Compact$2,200$183
Lexus ES 350Midsize$2,200$183
Genesis G70Compact$2,204$184
Mercedes-Benz AMG CLA35Midsize$2,208$184
Lexus RC 300Midsize$2,216$185
Lexus IS 350Compact$2,222$185
Jaguar XFMidsize$2,230$186
Cadillac CT5Midsize$2,270$189
Lexus ES 250Midsize$2,278$190
Lexus RC 350Compact$2,284$190
BMW 330eCompact$2,288$191
BMW 228iCompact$2,290$191
BMW 230iCompact$2,308$192
Lexus ES 300hMidsize$2,310$193
Audi S3Compact$2,362$197

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lincoln, NE Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Lincoln, NE, with the Acura Integra ranking first at $1,874 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Lincoln, NE, with the Acura Integra ranking first at $1,874 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lincoln car insurance quotes from the best car insurance companies in Nebraska.

Cheapest luxury SUVs to insure in Lincoln, Nebraska

The top three luxury SUVs with the lowest-cost car insurance in Lincoln are the Acura RDX at $1,762 per year, the Lexus NX 250 at $1,864 per year, and the Cadillac XT4 at $1,902 per year.

Also ranking well in our comparison are SUVs like the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus NX 450h, and Lincoln Corsair, with average cost of $2,032 per year or less.

As a cost per month, full-coverage auto insurance on this segment in Lincoln for a good driver starts at around $147 per month, depending on your location and insurance company.

When ranked by vehicle size, the most budget-friendly compact luxury SUV to insure in Lincoln is the Acura RDX at $1,762 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $1,970 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,362 per year.

The next table ranks the luxury SUVs with the lowest-cost average car insurance rates in Lincoln, starting with the Acura RDX at $1,762 per year and ending with the Lexus RX 350 at $2,114 per year.

Cheapest Luxury SUVs to Insure in Lincoln, Nebraska
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,762$147
Lexus NX 250Compact$1,864$155
Cadillac XT4Compact$1,902$159
Jaguar E-PaceMidsize$1,970$164
Lexus NX 350hCompact$1,986$166
Cadillac XT5Midsize$1,988$166
Lincoln CorsairCompact$2,012$168
Mercedes-Benz GLB 250Compact$2,016$168
Lexus UX 250hCompact$2,018$168
Lexus NX 450hCompact$2,032$169
Infiniti QX50Midsize$2,046$171
Mercedes-Benz GLA250Compact$2,054$171
Mercedes-Benz GLA35 AMGCompact$2,060$172
Cadillac XT6Midsize$2,062$172
Infiniti QX60Midsize$2,072$173
Mercedes-Benz AMG GLB35Midsize$2,076$173
Acura MDXMidsize$2,104$175
Land Rover EvoqueCompact$2,104$175
Lexus NX 350Compact$2,114$176
Lexus RX 350Midsize$2,114$176

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lincoln, NE Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Lincoln, NE, with the Acura RDX ranking first at $1,762 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Lincoln, NE, with the Acura RDX ranking first at $1,762 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Need rates for a different luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Lincoln car insurance quotes from top car insurance companies in Nebraska.

Cheapest sports cars to insure in Lincoln

The #1 ranking in Lincoln for cheapest average insurance rates in the sports car segment is the Mazda MX-5 Miata, coming in at $1,950 per year. Second place is the Toyota GR86 at $2,220 per year, and in third place is the Ford Mustang, costing an average of $2,314 per year.

Other models that have cheaper rates include the Subaru BRZ, BMW M2, Nissan Z, and Lexus RC F, with an average cost to insure of $2,520 per year or less.

Full-coverage car insurance in this segment starts at around $163 per month, depending on your location. The rate comparison table below ranks the sports cars with the cheapest insurance rates in Lincoln, starting with the Mazda MX-5 Miata at $163 per month and ending with the Porsche Taycan at $297 per month.

Cheapest Sports Cars to Insure in Lincoln, Nebraska
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,950$163
Toyota GR86Sports Car$2,220$185
Ford MustangSports Car$2,314$193
BMW Z4Sports Car$2,326$194
Subaru WRXSports Car$2,362$197
Toyota GR SupraSports Car$2,366$197
BMW M2Sports Car$2,434$203
Nissan ZSports Car$2,440$203
Lexus RC FSports Car$2,490$208
Subaru BRZSports Car$2,520$210
BMW M3Sports Car$2,658$222
Porsche 718Sports Car$2,714$226
Chevrolet CamaroSports Car$2,740$228
Chevrolet CorvetteSports Car$2,916$243
Porsche 911Sports Car$3,018$252
BMW M4Sports Car$3,146$262
Lexus LC 500Sports Car$3,160$263
Jaguar F-TypeSports Car$3,324$277
Mercedes-Benz AMG GT53Sports Car$3,488$291
Porsche TaycanSports Car$3,566$297

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lincoln, NE Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Lincoln, NE, with the Mazda MX-5 Miata ranking first at $1,950 per year.
Ranking of the cheapest sports cars to insure in Lincoln, NE, with the Mazda MX-5 Miata ranking first at $1,950 per year.

Don’t see your sports car in the list? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Nebraska.

Cheapest pickups to insure in Lincoln

Ranking at the top of the list for the cheapest Lincoln car insurance rates in the pickup segment are the Ford Ranger, Ford Maverick, Nissan Frontier, Chevrolet Colorado, and Nissan Titan. Car insurance prices for these vehicles average $2,044 or less per year, or around $170 per month.

Additional models that have good average insurance rates are the GMC Sierra 2500 HD, Toyota Tacoma, Honda Ridgeline, and GMC Canyon, with average annual insurance rates of $2,166 per year or less.

Auto insurance for this segment in Lincoln for the average driver starts at around $155 per month, depending on the company and where you live.

The next table ranks the twenty pickups with the most affordable insurance in Lincoln, starting with the Chevrolet Colorado at $1,854 per year and ending with the Ram Truck at $2,436 per year.

Cheapest Pickups to Insure in Lincoln, Nebraska
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,854$155
Nissan TitanFull-size$1,970$164
Nissan FrontierMidsize$1,992$166
Ford RangerMidsize$2,012$168
Ford MaverickMidsize$2,044$170
Honda RidgelineMidsize$2,090$174
Hyundai Santa CruzMidsize$2,124$177
Toyota TacomaMidsize$2,136$178
GMC Sierra 2500 HDHeavy Duty$2,144$179
GMC CanyonMidsize$2,166$181
Jeep GladiatorMidsize$2,222$185
GMC Sierra 3500Heavy Duty$2,230$186
Chevrolet Silverado HD 3500Heavy Duty$2,254$188
Chevrolet Silverado HD 2500Heavy Duty$2,314$193
GMC SierraFull-size$2,324$194
Nissan Titan XDHeavy Duty$2,328$194
Chevrolet SilveradoFull-size$2,330$194
Ford F150Full-size$2,358$197
GMC Hummer EV PickupFull-size$2,418$202
Ram TruckFull-size$2,436$203

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lincoln, NE Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Lincoln, NE, with the Chevrolet Colorado ranking first at $1,854 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Lincoln, NE, with the Chevrolet Colorado ranking first at $1,854 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see insurance cost for your pickup? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lincoln car insurance quotes from top-rated companies in Nebraska.

Tips for finding cheaper Lincoln auto insurance

Resourceful drivers in Lincoln are always searching for ways to save money on insurance, so take a minute and read through the money-saving ideas below and it’s very possible you can save some money when buying car insurance.

  • Pay small claims out-of-pocket. Insurance companies offer a discount if you have not filed any claims. Insurance is intended to be used to protect you from larger claims, not small claims that can be paid out-of-pocket.
  • Compare rates before buying a car. Different vehicles, and even different trims of the same vehicle, have significantly different auto insurance rates, and insurers charge a wide range of costs. Get plenty of car insurance quotes before you purchase to prevent price shock when buying coverage for your new car.
  • Earn policy discounts to save money. Discounts may be available if the insured drivers work in certain occupations, choose electronic billing, belong to certain professional organizations, insure multiple vehicles on the same policy, drive low annual mileage, or many other policy discounts which could save the average Lincoln driver as much as $356 per year.
  • Your occupation could save you a few bucks. Some insurance companies offer policy discounts for earning a living in occupations like emergency medical technicians, nurses, architects, scientists, lawyers, and others. By qualifying for an occupational discount, you could potentially save between $63 and $205 on your yearly insurance bill, depending on the age of the rated driver.
  • Raise your credit score to score lower rates. Having a credit score over 800 could save an average of $331 per year over a slightly lower credit score between 670-739. Conversely, a credit score lower than 579 could cost around $384 more per year. Not all states use credit score as a rating factor, so check with your agent or company.