Compare Lincoln, AL Car Insurance Rates (2021)

Car insurance in Lincoln, AL averages $298 a month. Lincoln, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lincoln car insurance rates, compare quotes from the top car insurance companies in Lincoln, AL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lincoln is USAA
  • Average car insurance rates in Lincoln, AL are $3,580/year
  • The cheapest car insurance company in Lincoln for teen drivers is USAA

If you need to buy Lincoln, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Lincoln, AL is right here.

You’ll find Lincoln car insurance rates, the cheapest Lincoln, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Lincoln, Alabama car insurance rates to Huntsville car insurance rates, Tuscaloosa car insurance rates, and Montgomery car insurance rates.

Ready to find affordable Lincoln, AL car insurance today? Enter your ZIP code for fast, free Lincoln car insurance quotes.

Cheapest Lincoln, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lincoln, AL car insurance rates? Every Lincoln, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Lincoln, AL

Every driver must carry the minimum car insurance in Lincoln, AL. Take a look at the Alabama car insurance requirements.

Minimum Required Car 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

Cheapest Lincoln, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lincoln, AL. Compare credit history car insurance rates in Lincoln from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Lincoln, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lincoln, AL to rates for a clean record with top companies.

Annual Lincoln, Alabama Car 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

Cheapest Lincoln, AL Car Insurance for Teen Drivers

Teen car insurance in Lincoln, AL can be expensive. Take a look at rates from the top car insurance companies in Lincoln for teenagers.

Annual Car 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

Cheapest Lincoln, AL Car Insurance for Seniors

Take a look at Lincoln, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Lincoln, AL Car Insurance Rates After a DUI

A DUI in Lincoln, AL increases car insurance rates. Compare Lincoln, Alabama DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lincoln, Alabama

Insurance Company Annual Car 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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Cheapest Lincoln, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lincoln, AL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

Cheapest Lincoln, AL Car Insurance Rates by ZIP Code

Lincoln car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lincoln, AL.

Annual Car Insurance Rates by ZIP Code in Lincoln, Alabama

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

The Best Cheap Car Insurance Companies in Lincoln, AL

Take a look at a side-by-side comparison of the top car insurance companies in Lincoln, AL to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Lincoln, Alabama

Find the cheapest car insurance companies in Lincoln, AL for each category right here.

Best Annual Car 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

Cheapest Lincoln, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lincoln car insurance rates. Find the cheapest Lincoln, AL car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Lincoln, Alabama?

What factors can have an impact on Lincoln, AL car insurance? There are several reasons why Lincoln car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lincoln, Alabama.

Car Theft in Lincoln

High levels of vehicle theft can make car insurance more expensive. Lincoln, AL car theft statistics from the FBI indicate 41 vehicle thefts a year.

Commute Time in Lincoln

The more time you spend in your car the higher the risk of an accident. The average commute length in Lincoln, AL is 21.9 minutes according to City-Data.

Traffic in Lincoln

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lincoln, AL traffic data from INRIX ranks Lincoln as the 59th-most congested in the world.

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Compare Car Insurance Quotes in Lincoln, AL

Ready to find affordable Lincoln, Alabama car insurance today? Enter your ZIP code for fast, free Lincoln, AL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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