Lincoln drivers can compare car insurance quotes in one place, and with very low vehicle theft locally, that is worth checking on.
How Much Does Car Insurance Cost in Lincoln?
Lincoln reported just 23 vehicle thefts in 2025, about 0.4 per thousand residents compared with a state average of 3.2, which is a point in favor of comprehensive coverage costing less. Prop 103 still puts your driving record, annual mileage and years of experience first, so your own habits matter more than your ZIP code, 95648.
| Factor | Lincoln | California |
|---|---|---|
| Average commute | 30 min | 29 min |
| Homes with 2+ cars | 68% | 63% |
| Car thefts per 1,000 | 0.4 | 3.2 |
| ZIP codes | 1 |
Why Lincoln Drivers Compare Quotes With A1
Each carrier weighs those factors a little differently, so the same Lincoln driver can get quite different prices from company to company. A1 works with several California carriers rather than one, so you get side-by-side quotes for free.
About Lincoln, California
Lincoln is an incorporated city of about 51,600 people in Placer County, in the Sacramento Valley. It covers roughly 24 square miles at an elevation of 167 feet. Rocklin is about 5 miles away, and Roseville, the nearest city over 100,000 people, is about 7 miles off.
- County
- Placer County
- Population
- 51,629 (Census est.)
- Major routes
- SR-65, SR-193
Driving in Lincoln: What to Know
Lincoln commuters average about 30 minutes each way, close to the state average of 29, and that ranks 6th of 21 places in Placer County. About 73% drive alone, higher than the state's 67%, so most residents spend their commute in their own car. Around 68% of households have two or more vehicles, which means many families insure more than one car and may benefit from comparing multi-car pricing. SR-65 and SR-193 run through or near town, so mileage on regional trips can shape your rate.
State highways through or near Lincoln:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Lincoln
The nearest DMV office is Roseville DMV at 7200 Galilee Rd, Roseville, CA 95678, about 7 miles away. Traffic matters go to the Superior Court of California, County of Placer.
Nearest DMV: Roseville
7200 Galilee Rd, Roseville, CA 95678
About 6.8 miles from Lincoln
California Car Insurance Rules for Lincoln Drivers
California's minimum liability limits are 30/60/15, meaning $30,000 per person, $60,000 per accident and $15,000 for property damage. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and credit scores cannot be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Lincoln ZIP Codes and Nearby Areas
ZIP codes in Lincoln:
Nearby cities and communities:
More About Lincoln
Lincoln sits where the Sacramento Valley starts rolling into the Sierra foothills, mixing small-town charm with fast-growing neighborhoods in Placer County. Worth checking out:
- Terra cotta heritage. Gladding, McBean has shaped clay in Lincoln since 1875, and its terra cotta decorates historic buildings far beyond town. The clay tradition is a big part of Lincoln's identity.
- Downtown Lincoln. The historic downtown centers on Beermann Plaza, a friendly spot for community events, with local shops and restaurants close by for an easy afternoon stroll.
- Foothill getaways. Rolling oak-dotted hills surround town, and Folsom Lake and the Auburn State Recreation Area are a short drive away for hiking, paddling and river views.
- Sun City Lincoln Hills. This large active adult community is a major part of the local fabric, with its own clubs, trails and golf, and it helps give Lincoln its welcoming feel.
Lincoln Car Insurance FAQ
Does low car theft in Lincoln mean cheaper insurance?
It can help, since theft is covered by comprehensive and Lincoln's rate of about 0.4 per thousand is far below the state's 3.2. Your driving record, mileage and experience still count most under Prop 103.
Is my commute likely to affect my premium?
Yes, annual mileage is one of the top rating factors in California. Lincoln's average commute of about 30 minutes is near the state norm, and the 18% of workers who work from home may drive fewer miles.
Do I need comprehensive or is liability enough?
Liability-only does not cover your own car, while comprehensive pays for theft, fire, flood and vandalism. With low theft locally, some drivers weigh it against their car's value, and comparing quotes shows what the extra coverage costs.