Compare Lincoln, CA Car Insurance Rates (2021)

Car insurance in Lincoln, CA averages $290 a month. Lincoln, California car insurance requirements are 15/30/5, 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, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • Average car insurance rates in Lincoln, CA after a DUI are $4,885/year
  • Average car insurance rates in Lincoln, CA are $3,478/year
  • The cheapest car insurance company in Lincoln is GEICO

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

You’ll find Lincoln car insurance rates, the cheapest Lincoln, CA car insurance companies, and information on California car insurance laws. You can also compare Lincoln, California car insurance rates to Anaheim car insurance rates, Bakersfield car insurance rates, and Los Angeles car insurance rates.

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

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

How do age, gender, and marital status affect Lincoln, CA car insurance rates? Every Lincoln, California 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, 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

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Minimum Car Insurance in Lincoln, CA

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

Minimum Required Car 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

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

Annual Lincoln, California Car 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

Cheapest Lincoln, CA Car Insurance for Teen Drivers

Teen car insurance in Lincoln, CA 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, 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

Cheapest Lincoln, CA Car Insurance for Seniors

Take a look at Lincoln, CA 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, 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

Cheapest Lincoln, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lincoln, California

Insurance Company Annual Car 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

Cheapest Lincoln, CA Car Insurance Rates by Commute Length

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

Annual Car 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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The Best Cheap Car Insurance Companies in Lincoln, CA

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Lincoln, California

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

Best Annual Car 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

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

Annual Car 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

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What affects car insurance rates in Lincoln, California?

What factors can have an impact on Lincoln, CA 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, California.

Car Theft in Lincoln

High levels of vehicle theft can make car insurance more expensive. Lincoln, CA car theft statistics from the FBI indicate 44 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, CA is 24.2 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, CA traffic data from INRIX ranks Lincoln as the 59th-most congested in the world.

Compare Car Insurance Quotes in Lincoln, CA

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

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