Compare Lincoln, AR Car Insurance Rates (2021)

Car insurance in Lincoln, AR averages $317 a month. Lincoln, Arkansas 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, AR.

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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 for teen drivers is USAA
  • Average car insurance rates in Lincoln, AR are $3,805/year
  • The cheapest car insurance company in Lincoln is USAA

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

You’ll find Lincoln car insurance rates, the cheapest Lincoln, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Lincoln, Arkansas car insurance rates to Hot Springs car insurance rates, Pine Bluff car insurance rates, and North Little Rock car insurance rates.

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

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

How do age, gender, and marital status affect Lincoln, AR car insurance rates? Every Lincoln, Arkansas 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, Arkansas

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 $2,668 $2,682 $2,388 $2,550 $9,771 $11,725 $2,936 $3,183
Farmers $2,148 $2,133 $1,914 $2,023 $9,397 $9,733 $2,457 $2,568
GEICO $2,043 $2,012 $1,878 $1,825 $5,627 $5,611 $2,028 $2,057
Liberty Mutual $2,121 $2,264 $2,053 $2,290 $8,112 $8,928 $2,296 $2,388
Nationwide $2,547 $2,593 $2,289 $2,416 $6,206 $7,893 $2,919 $3,143
Progressive $2,445 $2,293 $2,015 $2,116 $10,869 $12,208 $2,919 $3,157
State Farm $1,582 $1,582 $1,425 $1,425 $4,672 $5,864 $1,784 $2,048
Travelers $2,023 $2,057 $2,023 $2,023 $12,116 $19,421 $2,180 $2,486
USAA $1,337 $1,347 $1,242 $1,245 $4,249 $4,444 $1,719 $1,849

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Minimum Car Insurance in Lincoln, AR

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

Minimum Required Car Insurance Coverage in Lincoln, Arkansas

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, AR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lincoln, AR. 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, Arkansas

Insurance Company Poor Fair Good
Allstate $5,942 $4,566 $3,706
Farmers $4,587 $3,869 $3,684
GEICO $3,454 $2,844 $2,357
Liberty Mutual $5,479 $3,334 $2,607
Nationwide $4,434 $3,567 $3,251
Progressive $5,354 $4,606 $4,298
State Farm $3,689 $2,223 $1,732
Travelers $6,345 $5,311 $4,968
USAA $2,884 $1,971 $1,681

Cheapest Lincoln, AR 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, AR to rates for a clean record with top companies.

Annual Lincoln, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,902 $4,911 $5,469 $4,670
Farmers $3,418 $4,391 $4,295 $4,083
GEICO $1,976 $3,006 $4,432 $2,127
Liberty Mutual $2,567 $4,232 $4,956 $3,472
Nationwide $2,925 $3,770 $5,091 $3,217
Progressive $4,088 $5,726 $4,301 $4,896
State Farm $2,331 $2,764 $2,548 $2,548
Travelers $4,637 $4,789 $7,047 $5,691
USAA $1,672 $2,122 $3,066 $1,855

Cheapest Lincoln, AR Car Insurance for Teen Drivers

Teen car insurance in Lincoln, AR 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, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,771 $11,725
Farmers $9,397 $9,733
GEICO $5,627 $5,611
Liberty Mutual $8,112 $8,928
Nationwide $6,206 $7,893
Progressive $10,869 $12,208
State Farm $4,672 $5,864
Travelers $12,116 $19,421
USAA $4,249 $4,444

Cheapest Lincoln, AR Car Insurance for Seniors

Take a look at Lincoln, AR 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, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,388 $2,550
Farmers $1,914 $2,023
GEICO $1,878 $1,825
Liberty Mutual $2,053 $2,290
Nationwide $2,289 $2,416
Progressive $2,015 $2,116
State Farm $1,425 $1,425
Travelers $2,023 $2,023
USAA $1,242 $1,245

Cheapest Lincoln, AR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lincoln, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,469
Farmers $4,295
GEICO $4,432
Liberty Mutual $4,956
Nationwide $5,091
Progressive $4,301
State Farm $2,548
Travelers $7,047
USAA $3,066

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Cheapest Lincoln, AR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lincoln, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,738 $4,738
Farmers $4,047 $4,047
GEICO $2,860 $2,910
Liberty Mutual $3,807 $3,807
Nationwide $3,751 $3,751
Progressive $4,753 $4,753
State Farm $2,486 $2,609
Travelers $5,541 $5,541
USAA $2,117 $2,240

The Best Cheap Car Insurance Companies in Lincoln, AR

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

Average Annual Car Insurance Rates by Company in Lincoln, Arkansas

Insurance Company Average Annual Rates
Allstate $4,738
Farmers $4,047
GEICO $2,885
Liberty Mutual $3,807
Nationwide $3,751
Progressive $4,753
State Farm $2,548
Travelers $5,541
USAA $2,179

Category Winners: Cheapest Car Insurance in Lincoln, Arkansas

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

Best Annual Car Insurance Rates by Company in Lincoln, Arkansas

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

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Cheapest Lincoln, AR 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, AR car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lincoln, Arkansas

Insurance Company Low Medium High
Allstate $4,613 $4,735 $4,866
Farmers $3,821 $3,999 $4,320
GEICO $2,749 $2,884 $3,023
Liberty Mutual $3,675 $3,780 $3,965
Nationwide $3,787 $3,680 $3,785
Progressive $4,324 $4,666 $5,268
State Farm $2,413 $2,545 $2,685
Travelers $5,282 $5,556 $5,785
USAA $2,092 $2,171 $2,273

What affects car insurance rates in Lincoln, Arkansas?

What factors can have an impact on Lincoln, AR 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, Arkansas.

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, AR is 34.5 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, AR traffic data from INRIX ranks Lincoln as the 59th-most congested in the world.

Compare Car Insurance Quotes in Lincoln, AR

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

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Average Monthly Car Insurance Rates by State