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Lincoln is part of the Sacramento metropolitan area in Placer County, California. Lincoln gained additional notoriety when it opened the first casino in the greater Sacramento Metropolitan Area, Thunder Valley Casino Resort in 2004. The cost of living in Lincoln is 31% higher than the national average, and the cost of housing in Lincoln is 81% higher than the national average. This is because the area has been experiencing a period of new growth as many people move from the nearby cities searching a more rural lifestyle. These facts and the high cost of living make it especially important to explore all the options for cheap car insurance Lincoln has to offer.
Lincoln is safer than 8% of the cities in the United States, with and overall crime rate that is 49% lower than the national average. Property crimes is also low, at 47% lower than the California average and 44% lower than the national average. The city has it’s own police department, with a total of 25 Lincoln police officers. This helps keep the risk of theft and property damage low, which in turn lets you save money on your insurance premiums.

Lincoln Insurance Requirements

 All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

The minimum coverage may be all the law requires, but Lincoln has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Lincoln can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Lincoln Public Transportation

 There is 1 airport and 10 Amtrak train stations within 30 miles of the Lincoln city center. The average travel time to work in Lincoln is 14% higher than the national average. The number of people who take public transportation in Lincoln is 79% lower than the national average, and the number of people who carpool to work in Lincoln is 7% lower than the national average. This may be in part due to the fact that the number of people who work from home in Lincoln is 51% higher than the national average, so many residents don’t need to travel to get to work. Even so, utilizing public transportation whenever you can is the best way to reduce your yearly mileage and save money by getting a discount for not being on the road so much.