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Lincoln Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1140 less every year
Sacramento Valley Foothills Elevation 167 ft Population Pop. 50,000
$1,760
Avg. Full Coverage
30%
Below State Avg
29min
Avg. Commute
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$1,760 Avg. Annual Full Coverage
$147 Monthly Premium (Clean Record)
30% Below CA Average
$73 Monthly Liability Only
29 min Average Commute Time
Excellent News for Lincoln Residents!
Lincoln's auto insurance rates are 30% below CA average of $2,532/year. With comprehensive coverage averaging just $1,760 annually, you're saving $772/year compared to the typical CA driver.

Lincoln Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $772/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Moderate (WUI near new developments)

Valley-foothills with tule fog, heat, and wildfire smoke. Annual rainfall 24 inches.

Annual Weather Data

Thunderstorm Days 7 per year
Annual Rainfall 24 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Sun City
  • Twelve Bridges
  • Lincoln Crossing

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September

Common Weather-Related Claims

Fog crashes on CA-65

Coverage: Comprehensive

Smoke damage to paint

Coverage: Comprehensive

Hail on new vehicles

Coverage: Comprehensive

Heat-related tire issues

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 35 mph in dense fog
  • Increase following distance in rain

Wildfire Season

  • Recirculate air during smoke
  • Park in garage during hail
Data Sources: NOAA NWS Sacramento, CAL FIRE 2025

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Accident Risk Analysis

Moderate Risk Level — At-fault accident rate...

CA-65 growth corridor. At-fault rate 11.8%. New drivers and seniors.

Key Statistics

At-Fault Rate (Lincoln) 11.8%
National Average 12%
Commuter-Related Crashes 38%
Tourist-Related Crashes 12%

Premium Impact

Monthly Liability (Clean Record) $73
Monthly Full Coverage (Clean) $147
Annual Full Coverage $1,760
Savings vs. CA Average 30% lower

Common Accident Types

Rear-end on CA-65

Intersection at Lincoln Blvd & Joiner

Casino parking lot incidents

Senior driver low-speed crashes

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-65 & Lincoln Blvd

CA-65 & Twelve Bridges Dr

Joiner Pkwy & Nicolaus Rd

Peak Accident Months

July December
Data Sources: CHP SWITRS 2023–2025, Lincoln PD

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Low. Theft 1.2 per 1,000. Casino and new home construction.

Crime Statistics

Motor Vehicle Theft Rate 1.2 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 7.8 per 1,000
Burglary Rate 220 per 100,000
Violent Crime Rate 2.4 per 1,000
Theft Increase (2023-2025) +3%

Most Stolen Vehicles in Lincoln

  1. Ford F-150
  2. Toyota Tacoma
  3. Chevy Silverado
  4. Honda CR-V

High Theft Zones

Exercise Extra Caution in These Areas:

Thunder Valley Casino

New home construction sites

Walmart parking

Recommended Anti-Theft Measures

Garage parking (standard in Lincoln)

GPS tracking

Remove valuables

Data Sources: Lincoln PD 2024, FBI UCR

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Seasonal Driving Risks in Lincoln

❄️

Winter

Fog, frost

🌸

Spring

Pollen, construction

☀️

Summer

Smoke, heat

🍂

Fall

Deer, early dark

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Lincoln

Claim Distribution

Comprehensive34%
Collision56%
Liability10%

Average Payouts

Comprehensive$4,800
Collision$6,300

Notable Trends

Smoke Damage Claims +180% (2023–2025)
Data Sources: III, CA DOI 2024

Local Driving Laws & Regulations in CA

Key California Laws

Hands-Free LawYes
Primary Seatbelt LawYes
Teen Driver RestrictionsProvisional until 18
DUI BAC Limit0.08%
Move Over LawYes

Local Enforcement

Red Light CamerasNo
Speed CamerasNo
Source: CA DMV

Lincoln Location & Geography

Fast-growing master-planned city north of Roseville. Known for Sun City retirement community, Thunder Valley Casino, and new subdivisions. Family-friendly with excellent schools.

City
Lincoln
State
CA (CA)
ZIP Codes
95648
County
Placer County
Region
Sacramento Valley Foothills
Population
50,000
Growth Rate (2020-2025)
6.8%
Land Area
22.4 sq miles
Population Density
2,232 per sq mi
Elevation
167 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

CA-65

CA-193

Lincoln Blvd

Joiner Pkwy

Twelve Bridges Dr

Insurance Cost Comparison

Coverage Type Lincoln Average California Average National Average Your Savings
Full Coverage $1,760/year $2,532/year $2,030/year 30% lower

Demographics & Driving Behavior

Median age 44. 18% drivers 16–24. 22% seniors 65+. DUI 1.9 per 1,000.

Age Demographics

Median Age (Lincoln) 44
U.S. Median Age 38.8
Drivers Aged 16-24 18%

DUI & Violations

DUI Rate (Lincoln) 1.9 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +84%
Speeding (15+ mph) +21%
At-Fault Accident +39%

Frequently Asked Questions

Credit in Lincoln?
No. CA bans credit.
Comprehensive needed?
Yes — for fog, smoke, and hail.
Cameras?
No.
Cheapest?
GEICO, Progressive, Tesla Insurance.

Expert Recommendations for Lincoln Drivers

Coverage & Savings Tips

  • Get your Lincoln quote now.
  • Bundle for 28% savings.
  • Add comprehensive for smoke and hail.
  • Seniors: Mature driver course discount.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 45% off.

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Overall Risk Assessment

Low-Moderate overall; 30% below CA average due to growth, low crime, and senior safety. Elevated only by CA-65 and fog. Annual full coverage $1,760.

Last Updated: 2025-11-07