Buy Cheap Lincoln, CA Auto Insurance (2021)

Lincoln, CA auto insurance rates average $290 a month. Minimum auto insurance requirements in Lincoln, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Lincoln, CA, 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 ...

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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 is Farmers
  • Average auto insurance rates in Lincoln, CA after a DUI are $4,885/year
  • Average auto insurance rates in Lincoln, CA for teens drivers are $5,844/year

Finding affordable Lincoln, California auto insurance can be challenging, but everything you need to know to buy cheap Lincoln, CA 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, CA car insurance rates compare to San Francisco auto insurance rates, Bakersfield auto insurance rates, and Long Beach auto insurance rates before you read more about the cost of auto insurance in Lincoln.

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

Lincoln, CA Minimum Auto Insurance Requirements

The required auto insurance in Lincoln, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Lincoln, California is outlined here.

Minimum Required Auto Insurance Coverage in Lincoln, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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

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

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

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 $2,801 $2,798 $2,032 $2,047 $7,635 $9,569 $3,551 $3,878
Farmers $2,575 $2,575 $2,320 $2,320 $8,198 $13,446 $3,049 $3,395
GEICO $1,621 $1,622 $1,525 $1,525 $4,908 $4,991 $2,325 $2,378
Liberty Mutual $2,219 $2,100 $2,057 $1,995 $4,790 $5,105 $2,500 $2,524
Nationwide $2,848 $2,721 $2,499 $2,358 $7,172 $7,933 $3,386 $3,344
Progressive $1,754 $1,804 $1,504 $1,778 $4,737 $5,682 $2,529 $2,715
State Farm $3,246 $3,246 $2,900 $2,900 $5,998 $7,469 $3,591 $3,698
Travelers $2,344 $2,269 $2,074 $2,053 $4,837 $5,505 $3,039 $2,973
USAA $1,896 $1,795 $1,851 $1,857 $4,319 $4,336 $2,616 $2,472

Buy Cheap Lincoln, CA 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, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Lincoln, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,635 $9,569
Farmers $8,198 $13,446
GEICO $4,908 $4,991
Liberty Mutual $4,790 $5,105
Nationwide $7,172 $7,933
Progressive $4,737 $5,682
State Farm $5,998 $7,469
Travelers $4,837 $5,505
USAA $4,319 $4,336

Buy Cheap Lincoln, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lincoln, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,032 $2,047
Farmers $2,320 $2,320
GEICO $1,525 $1,525
Liberty Mutual $2,057 $1,995
Nationwide $2,499 $2,358
Progressive $1,504 $1,778
State Farm $2,900 $2,900
Travelers $2,074 $2,053
USAA $1,851 $1,857

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

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

Annual Auto Insurance Rates by Coverage Level in Lincoln, California

Insurance Company Low Medium High
Allstate $4,003 $4,333 $4,531
Farmers $4,415 $4,769 $5,020
GEICO $2,357 $2,642 $2,837
Liberty Mutual $2,707 $2,937 $3,089
Nationwide $3,595 $4,102 $4,401
Progressive $2,490 $2,910 $3,039
State Farm $3,665 $4,213 $4,514
Travelers $2,721 $3,222 $3,467
USAA $2,387 $2,696 $2,845

Find Cheap Lincoln, CA 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, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Lincoln, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,857 $4,721
Farmers $4,296 $5,173
GEICO $2,373 $2,851
Liberty Mutual $2,673 $3,150
Nationwide $3,564 $4,501
Progressive $2,548 $3,077
State Farm $3,978 $4,284
Travelers $2,825 $3,448
USAA $2,435 $2,850

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Find Cheap Lincoln, CA Auto Insurance Rates by Driving Record

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

Annual Lincoln, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,588 $4,333 $6,847 $3,387
Farmers $3,499 $4,766 $5,940 $4,734
GEICO $1,828 $2,814 $3,539 $2,267
Liberty Mutual $2,526 $3,386 $3,056 $2,677
Nationwide $2,816 $3,610 $6,095 $3,610
Progressive $1,840 $3,138 $3,619 $2,654
State Farm $2,949 $3,516 $6,636 $3,422
Travelers $2,096 $3,415 $3,954 $3,082
USAA $1,756 $2,612 $4,279 $1,924

Find Cheap Lincoln, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lincoln, California 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, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lincoln, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,847
Farmers $5,940
GEICO $3,539
Liberty Mutual $3,056
Nationwide $6,095
Progressive $3,619
State Farm $6,636
Travelers $3,954
USAA $4,279

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

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

Best Annual Auto Insurance Rates by Company in Lincoln, California

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

Find Cheap Lincoln, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lincoln, California

Insurance Company Average Annual Rates
Allstate $4,289
Farmers $4,735
GEICO $2,612
Liberty Mutual $2,911
Nationwide $4,033
Progressive $2,813
State Farm $4,131
Travelers $3,137
USAA $2,643

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What affects Lincoln, California auto insurance rates?

Local factors affect auto insurance rates in Lincoln, CA, 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, CA auto theft show a total of 44 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, CA is 24.2 minutes according to City-Data.

Traffic in Lincoln

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

Compare Auto Insurance Quotes in Lincoln, CA

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

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