Car Insurance in Lincoln, NE – Cheapest to Insure (2024) + Quotes

• Average car insurance cost in Lincoln is $1,540 per year, or about $128 per month.
• Lincoln, NE, car insurance costs an average of $82 per year less than the Nebraska state average cost ($1,622) and $343 per year less than the average rate for all 50 states ($1,883).
• Monthly auto insurance rates for a few popular models in Lincoln include the Ford F150 at $144, Ram Truck at $149, and GMC Sierra at $142.
• 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 ($1,584 per year), Chevrolet Colorado ($1,318 per year), Chevrolet Tahoe ($1,446 per year), and Jaguar E-Pace ($1,440 per year).

How much does car insurance cost in Lincoln?

Average car insurance cost in Lincoln is $1,540 per year, which is 20% less than the overall U.S. national average rate of $1,883. Average car insurance cost per month in Lincoln is $128 for full coverage.

In the state of Nebraska, the average car insurance expense is $1,622 per year, so the average cost in Lincoln is $82 less per year. When compared to other cities in Nebraska, the cost of insurance in Lincoln is approximately $70 per year less than in Kearney, $30 per year more than in Grand Island, and $194 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.

In the chart above, the cost of auto insurance in Lincoln ranges from $1,080 per year for a 60-year-old driver with a high deductible policy to $3,604 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 $90 to $300 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 – $5,489 per year or $457 per month
• 17-year-old driver – $5,316 per year or $443 per month
• 18-year-old driver – $4,763 per year or $397 per month
• 19-year-old driver – $4,339 per year or $362 per month
• 20-year-old driver – $3,100 per year or $258 per month
• 30-year-old driver – $1,644 per year or $137 per month
• 40-year-old driver – $1,540 per year or $128 per month
• 50-year-old driver – $1,366 per year or $114 per month
• 60-year-old driver – $1,278 per year or $107 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.

Auto insurance for a 16-year-old female in Lincoln costs an average of $364 less per year than the cost for a male driver, while at age 19, the cost difference is smaller but males still pay $671 more per year.

Popular models and the cost of insurance

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.

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 $1,252 or less per year for a full coverage policy.

A few other models that rank very well in the comparison table below are the Volkswagen Taos, 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 $1,320 or less per year.

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

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.

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 $1,140 per year up to the Ford Mustang Mach-E at $1,802 per year.

As another example, in the midsize truck segment, rates range from the Chevrolet Colorado costing $1,318 per year up to the Rivian R1T at $1,922 per year, a difference of $604 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 $1,338 per year, Nissan Leaf at $1,348 per year, Honda Civic at $1,364 per year, and Nissan Sentra at $1,412 per year.

Not the cheapest, but still in the top 10, are models like the Toyota Prius, Honda Accord, Chevrolet Malibu, and Hyundai Ioniq 6, with an average car insurance cost of $1,494 per year or less.

In the bottom half of the top 20, models like the Mitsubishi Mirage G4, Toyota Corolla, Subaru Legacy, Mazda 3, and Nissan Versa cost between $1,494 and $1,592 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 $112 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 $1,338 per year. For midsize cars, the Hyundai Ioniq 6 is the cheapest model to insure at $1,416 per year. And for full-size sedans, the Chrysler 300 is the cheapest model to insure at $1,464 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 $1,338 per year and ending with the Mazda 3 at $1,592 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 $102 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 $1,260 per year or less.

Ranked in the bottom half of the top 20 cheapest SUVs to insure, models like the Honda HR-V, Volkswagen Tiguan, Volkswagen Taos, Nissan Murano, Kia Niro, and Subaru Outback cost between $1,260 and $1,342 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 $95 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 $1,140 per year. For midsize 2024 models, the Honda Passport has the cheapest rates at $1,228 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $1,446 per year.

The next table ranks the twenty SUVs with the most affordable insurance in Lincoln, starting with the Subaru Crosstrek at $95 per month and ending with the Honda HR-V at $112 per month.

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 $1,370 per year, the BMW 330i at $1,568 per year, and the Mercedes-Benz CLA250 at $1,584 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 $1,620 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 $1,620 and $1,728 per year to insure.

Car insurance rates in Lincoln for this segment for the average driver starts at an average of $114 per month, depending on where you live.

The cheapest compact luxury car to insure in Lincoln is the Acura Integra at $1,370 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,584 per year. And for full-size luxury cars, the Audi A5 has the cheapest rates at $1,824 per year.

The comparison table below ranks the twenty cars with the cheapest insurance in Lincoln, starting with the Acura Integra at $1,370 per year ($114 per month) and ending with the Audi S3 at $1,728 per year ($144 per month).

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 $1,290 per year, the Lexus NX 250 at $1,364 per year, and the Cadillac XT4 at $1,392 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 $1,486 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 $108 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 $1,290 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $1,440 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $1,728 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 $1,290 per year and ending with the Lexus NX 350 at $1,544 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 $1,424 per year. Second place is the Toyota GR86 at $1,622 per year, and in third place is the Ford Mustang, costing an average of $1,692 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 $1,840 per year or less.

Full-coverage car insurance in this segment starts at around $119 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 $119 per month and ending with the Porsche Taycan at $217 per month.

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 $1,494 or less per year, or around $125 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 $1,586 per year or less.

Auto insurance for this segment in Lincoln for the average driver starts at around $110 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 $1,318 per year and ending with the Ram Truck at $1,782 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 $260 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 $46 and $150 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 $242 per year over a slightly lower credit score between 670-739. Conversely, a credit score lower than 579 could cost around $280 more per year. Not all states use credit score as a rating factor, so check with your agent or company.