Buy Cheap Lincoln, AL Auto Insurance (2021)

Lincoln, AL auto insurance rates average $298 a month. Minimum auto insurance requirements in Lincoln, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Lincoln, AL, compare Lincoln auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Lincoln after a DUI is Liberty Mutual
  • Average auto insurance rates in Lincoln, AL are $298/month
  • The most expensive auto insurance company in Lincoln is Liberty Mutual

Finding affordable Lincoln, Alabama auto insurance can be challenging, but everything you need to know to buy cheap Lincoln, AL auto insurance with confidence is right here. Auto insurance rates in Lincoln are affected by local factors as well as personal ones like your driving record.

See how Lincoln, AL car insurance rates compare to Hoover auto insurance rates, Huntsville auto insurance rates, and Birmingham auto insurance rates before you read more about the cost of auto insurance in Lincoln.

Don’t buy Lincoln, AL auto insurance until you’ve compared rates. Get free Lincoln, Alabama auto insurance quotes when you enter your ZIP code above.

Lincoln, AL Minimum Auto Insurance Requirements

The required auto insurance in Lincoln, AL is 25/50/25 according to the auto insurance laws in Alabama. The minimum auto insurance in Lincoln, Alabama is outlined here.

Minimum Required Auto Insurance Coverage in Lincoln, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Lincoln, AL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lincoln, AL. Take a look at Lincoln, Alabama auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Lincoln, Alabama

Insurance Company Poor Fair Good
Allstate $4,126 $3,250 $2,660
Farmers $4,409 $3,792 $3,594
GEICO $3,443 $2,456 $2,223
Liberty Mutual $7,906 $4,844 $3,799
Nationwide $3,058 $2,386 $2,158
Progressive $4,579 $3,923 $3,662
State Farm $7,209 $3,649 $2,479
Travelers $3,938 $3,415 $3,480
USAA $2,790 $1,812 $1,617

Buy Cheap Lincoln, AL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lincoln, Alabama auto insurance rates? Find out how car insurance rates in Lincoln, AL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lincoln, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,004 $1,907 $1,812 $1,847 $7,068 $7,585 $2,245 $2,295
Farmers $2,248 $2,232 $2,009 $2,134 $8,684 $8,935 $2,555 $2,658
GEICO $1,942 $1,929 $1,848 $1,908 $5,090 $4,991 $2,049 $1,901
Liberty Mutual $3,206 $3,464 $2,627 $2,937 $11,762 $13,077 $3,417 $3,642
Nationwide $1,673 $1,696 $1,523 $1,580 $4,307 $5,568 $1,853 $2,074
Progressive $2,211 $2,072 $1,810 $1,940 $9,028 $10,064 $2,580 $2,732
State Farm $2,722 $2,722 $2,462 $2,462 $8,248 $10,322 $3,076 $3,554
Travelers $1,467 $1,490 $1,378 $1,373 $7,851 $12,348 $1,389 $1,590
USAA $1,293 $1,314 $1,205 $1,181 $3,835 $4,254 $1,684 $1,818

Buy Cheap Lincoln, AL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lincoln can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lincoln, AL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Lincoln, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,068 $7,585
Farmers $8,684 $8,935
GEICO $5,090 $4,991
Liberty Mutual $11,762 $13,077
Nationwide $4,307 $5,568
Progressive $9,028 $10,064
State Farm $8,248 $10,322
Travelers $7,851 $12,348
USAA $3,835 $4,254

Buy Cheap Lincoln, AL Auto Insurance for Seniors

You can save on senior auto insurance rates in Lincoln, Alabama by comparing Lincoln senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lincoln, AL here.

Annual Auto Insurance Rates for Senior Drivers in Lincoln, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,812 $1,847
Farmers $2,009 $2,134
GEICO $1,848 $1,908
Liberty Mutual $2,627 $2,937
Nationwide $1,523 $1,580
Progressive $1,810 $1,940
State Farm $2,462 $2,462
Travelers $1,378 $1,373
USAA $1,205 $1,181

Find Cheap Auto Insurance Rates in Lincoln, AL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lincoln, Alabama auto insurance. Compare Lincoln, AL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lincoln, Alabama

Insurance Company Low Medium High
Allstate $3,231 $3,341 $3,464
Farmers $3,711 $3,880 $4,204
GEICO $2,493 $2,695 $2,934
Liberty Mutual $5,266 $5,490 $5,793
Nationwide $2,523 $2,511 $2,569
Progressive $3,625 $4,030 $4,509
State Farm $4,209 $4,440 $4,688
Travelers $3,427 $3,683 $3,722
USAA $2,001 $2,062 $2,155

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Find Cheap Lincoln, AL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lincoln. Compare auto insurance rates in Lincoln, AL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Lincoln, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,345 $3,345
Farmers $3,932 $3,932
GEICO $2,658 $2,756
Liberty Mutual $5,516 $5,516
Nationwide $2,534 $2,534
Progressive $4,055 $4,055
State Farm $4,339 $4,552
Travelers $3,611 $3,611
USAA $1,978 $2,168

Find Cheap Lincoln, AL Auto Insurance Rates by ZIP Code

Auto insurance rates in Lincoln, Alabama can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lincoln, AL to see how much where you live in Lincoln affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Lincoln, Alabama

ZIP Code Average Annual Rates
35096 $3,716
35160 $3,625

Find Cheap Lincoln, AL Auto Insurance Rates by Driving Record

Auto insurance rates in Lincoln, Alabama are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lincoln, AL, take a look at the average cost for various violations versus rates for a clean driving record in Lincoln.

Annual Lincoln, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,836 $3,350 $3,984 $3,211
Farmers $3,307 $4,279 $4,175 $3,966
GEICO $1,828 $2,936 $3,629 $2,436
Liberty Mutual $4,322 $6,027 $5,889 $5,829
Nationwide $2,217 $2,217 $3,227 $2,475
Progressive $3,664 $4,602 $3,932 $4,020
State Farm $4,012 $4,976 $4,398 $4,398
Travelers $3,007 $3,156 $4,616 $3,664
USAA $1,595 $2,000 $2,972 $1,725

Find Cheap Lincoln, AL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lincoln, Alabama is higher than for a clean driving record. You can buy auto insurance after a DUI in Lincoln for less when you shop around and compare rates from multiple Lincoln, AL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lincoln, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,984
Farmers $4,175
GEICO $3,629
Liberty Mutual $5,889
Nationwide $3,227
Progressive $3,932
State Farm $4,398
Travelers $4,616
USAA $2,972

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Winners by Category: Where to Buy Cheap Auto Insurance in Lincoln, AL

Compare rates from the cheapest auto insurance companies in Lincoln, AL for your needs. Take a look at how Lincoln, Alabama auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Lincoln, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Find Cheap Lincoln, Alabama Auto Insurance Companies

If you’re looking for the cheapest Lincoln, AL auto insurance companies overall, you can compare them here. Find the best price for Lincoln, Alabama car insurance by company.

Average Annual Auto Insurance Rates by Company in Lincoln, Alabama

Insurance Company Average Annual Rates
Allstate $3,345
Farmers $3,932
GEICO $2,707
Liberty Mutual $5,516
Nationwide $2,534
Progressive $4,055
State Farm $4,446
Travelers $3,611
USAA $2,073

What affects Lincoln, Alabama auto insurance rates?

Local factors affect auto insurance rates in Lincoln, AL, including traffic, theft statistics, and commute length. Take a look at the things that impact Lincoln auto insurance rates.

Auto Theft in Lincoln

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lincoln, AL auto theft show a total of 41 vehicle thefts annually.

Commute Times in Lincoln

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lincoln, AL is 21.9 minutes according to City-Data.

Traffic in Lincoln

How is traffic in Lincoln, Alabama? Inrix data shows that Lincoln, AL traffic makes it the 59th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Lincoln, AL

You can buy cheap Lincoln, AL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lincoln, Alabama auto insurance quotes from top companies.

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