Buy Cheap Lincoln, TX Auto Insurance (2021)

Lincoln, TX auto insurance rates average $323 a month. Minimum auto insurance requirements in Lincoln, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Lincoln, TX, 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 Allstate
  • Average auto insurance rates in Lincoln, TX for teens drivers are $6,944/year
  • The most expensive auto insurance company in Lincoln is Allstate

Finding affordable Lincoln, Texas auto insurance can be challenging, but everything you need to know to buy cheap Lincoln, TX 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, TX car insurance rates compare to Plano auto insurance rates, Laredo auto insurance rates, and El Paso auto insurance rates before you read more about the cost of auto insurance in Lincoln.

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

Lincoln, TX Minimum Auto Insurance Requirements

The required auto insurance in Lincoln, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Lincoln, Texas is outlined here.

Minimum Required Auto Insurance Coverage in Lincoln, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Lincoln, TX Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Lincoln, Texas

Insurance Company Poor Fair Good
Allstate $6,738 $4,949 $4,241
American Family $6,269 $3,983 $3,470
GEICO $4,959 $2,809 $1,875
Nationwide $5,109 $4,093 $3,552
Progressive $5,098 $4,442 $4,129
State Farm $4,009 $2,492 $1,984
USAA $3,487 $2,013 $1,620

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

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

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

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 $3,419 $3,441 $3,374 $3,374 $9,185 $11,063 $4,226 $4,391
American Family $2,725 $3,039 $2,559 $2,937 $7,330 $9,585 $3,935 $4,486
GEICO $2,378 $2,575 $2,309 $2,626 $5,224 $5,459 $2,573 $2,571
Nationwide $2,653 $2,700 $2,340 $2,481 $7,582 $9,752 $3,123 $3,383
Progressive $2,377 $2,244 $2,133 $2,165 $10,348 $11,535 $2,811 $2,836
State Farm $1,998 $1,998 $1,772 $1,772 $4,703 $5,980 $2,167 $2,237
USAA $1,519 $1,530 $1,451 $1,443 $4,235 $4,615 $2,023 $2,172

Buy Cheap Lincoln, TX 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, TX are listed here.

Annual Auto Insurance Rates for Teen Drivers in Lincoln, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,185 $11,063
American Family $7,330 $9,585
GEICO $5,224 $5,459
Nationwide $7,582 $9,752
Progressive $10,348 $11,535
State Farm $4,703 $5,980
USAA $4,235 $4,615

Buy Cheap Lincoln, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lincoln, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,374 $3,374
American Family $2,559 $2,937
GEICO $2,309 $2,626
Nationwide $2,340 $2,481
Progressive $2,133 $2,165
State Farm $1,772 $1,772
USAA $1,451 $1,443

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

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

Annual Auto Insurance Rates by Coverage Level in Lincoln, Texas

Insurance Company Low Medium High
Allstate $5,186 $5,263 $5,479
American Family $4,275 $4,416 $5,032
GEICO $3,042 $3,170 $3,432
Nationwide $4,583 $4,068 $4,104
Progressive $4,320 $4,535 $4,813
State Farm $2,691 $2,820 $2,974
USAA $2,294 $2,364 $2,462

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

Annual Auto Insurance Rates by Commute Length in Lincoln, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,180 $5,439
American Family $4,574 $4,574
GEICO $3,155 $3,274
Nationwide $4,252 $4,252
Progressive $4,556 $4,556
State Farm $2,829 $2,829
USAA $2,343 $2,403

Find Cheap Lincoln, TX Auto Insurance Rates by Driving Record

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

Annual Lincoln, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,090 $6,381 $6,675 $4,090
American Family $4,158 $5,325 $4,657 $4,158
GEICO $2,730 $3,617 $3,002 $3,509
Nationwide $3,682 $3,682 $5,478 $4,165
Progressive $3,969 $5,169 $4,626 $4,461
State Farm $2,523 $2,881 $3,388 $2,523
USAA $1,772 $2,610 $3,078 $2,033

Find Cheap Lincoln, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lincoln, Texas 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, TX auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lincoln, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,675
American Family $4,657
GEICO $3,002
Nationwide $5,478
Progressive $4,626
State Farm $3,388
USAA $3,078

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

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

Best Annual Auto Insurance Rates by Company in Lincoln, Texas

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

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Find Cheap Lincoln, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lincoln, Texas

Insurance Company Average Annual Rates
Allstate $5,309
American Family $4,574
GEICO $3,214
Nationwide $4,252
Progressive $4,556
State Farm $2,829
USAA $2,373

What affects Lincoln, Texas auto insurance rates?

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

Traffic in Lincoln

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

Compare Auto Insurance Quotes in Lincoln, TX

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

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