Auto Insurance in Lincoln (95648)
California · Very Affordable · 20th percentile statewide
Carrier Rates in 95648
6-month premiums from SERFF rate filings. Standard driver profile.
How 95648 Compares
Lincoln (95648) is very affordable for auto insurance in California, ranking in the 20th percentile.
The cheapest carrier is USAA at $483/6mo — 70% less than the most expensive (Allstate at $1,596).
The median premium of $837 is 8% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Lincoln (95648)?
The median 6-month premium in Lincoln (95648) is $837 across 8 carriers. Premiums range from $483 to $1,596, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95648?
USAA offers the lowest rate in 95648 at $483/6mo. That's 70% less than the most expensive option (Allstate at $1,596/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 95648?
Auto insurance rates in Lincoln (95648) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Lincoln ranks in the 20th percentile statewide, meaning it's very affordable compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 95648?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.