Compare Lincoln City, IN Car Insurance Rates (2021)

Car insurance in Lincoln City, IN averages $276 a month. Lincoln City, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lincoln City car insurance rates, compare quotes from the top car insurance companies in Lincoln City, IN.

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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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lincoln City is USAA
  • The cheapest car insurance company in Lincoln City for teen drivers is USAA
  • Average car insurance rates in Lincoln City, IN are $3,312/year

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

You’ll find Lincoln City car insurance rates, the cheapest Lincoln City, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Lincoln City, Indiana car insurance rates to Bloomington car insurance rates, South Bend car insurance rates, and Carmel car insurance rates.

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

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

How do age, gender, and marital status affect Lincoln City, IN car insurance rates? Every Lincoln City, Indiana 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 City, Indiana

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 $2,374 $2,430 $2,088 $2,284 $7,335 $9,264 $2,412 $2,616
American Family $2,133 $2,133 $1,913 $1,913 $5,738 $8,356 $2,133 $2,645
Farmers $1,588 $1,568 $1,358 $1,520 $8,363 $8,875 $2,081 $2,262
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $3,976 $3,976 $3,651 $3,651 $8,754 $13,239 $3,976 $5,466
Nationwide $1,782 $1,827 $1,557 $1,669 $5,181 $6,759 $2,089 $2,292
Progressive $1,646 $1,562 $1,485 $1,500 $9,471 $10,636 $2,060 $2,104
State Farm $1,537 $1,537 $1,356 $1,356 $4,475 $5,753 $1,693 $1,883
Travelers $1,272 $1,294 $1,191 $1,191 $7,860 $12,410 $1,345 $1,561
USAA $968 $956 $894 $906 $2,640 $2,970 $1,310 $1,411

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Minimum Car Insurance in Lincoln City, IN

Every driver must carry the minimum car insurance in Lincoln City, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Lincoln City, Indiana

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 City, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Lincoln City, Indiana

Insurance Company Poor Fair Good
Allstate $4,773 $3,551 $3,228
American Family $4,601 $2,998 $2,512
Farmers $4,035 $3,283 $3,039
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,772 $5,058 $4,678
Nationwide $3,297 $2,784 $2,602
Progressive $4,208 $3,716 $3,500
State Farm $3,569 $2,128 $1,650
Travelers $3,916 $3,317 $3,314
USAA $2,039 $1,338 $1,144

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

Annual Lincoln City, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,070 $4,515 $4,164 $3,652
American Family $2,322 $3,712 $4,682 $2,765
Farmers $3,086 $3,606 $3,707 $3,409
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,581 $5,380 $8,346 $5,037
Nationwide $2,483 $3,214 $3,079 $2,802
Progressive $2,865 $4,981 $3,414 $3,972
State Farm $2,395 $2,611 $2,395 $2,395
Travelers $2,985 $3,691 $4,183 $3,203
USAA $1,142 $1,617 $1,856 $1,413

Cheapest Lincoln City, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lincoln City, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,335 $9,264
American Family $5,738 $8,356
Farmers $8,363 $8,875
GEICO $4,871 $4,549
Liberty Mutual $8,754 $13,239
Nationwide $5,181 $6,759
Progressive $9,471 $10,636
State Farm $4,475 $5,753
Travelers $7,860 $12,410
USAA $2,640 $2,970

Cheapest Lincoln City, IN Car Insurance for Seniors

Take a look at Lincoln City, IN 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 City, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,088 $2,284
American Family $1,913 $1,913
Farmers $1,358 $1,520
GEICO $1,547 $1,591
Liberty Mutual $3,651 $3,651
Nationwide $1,557 $1,669
Progressive $1,485 $1,500
State Farm $1,356 $1,356
Travelers $1,191 $1,191
USAA $894 $906

Cheapest Lincoln City, IN Car Insurance Rates After a DUI

A DUI in Lincoln City, IN increases car insurance rates. Compare Lincoln City, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lincoln City, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,164
American Family $4,682
Farmers $3,707
GEICO $3,385
Liberty Mutual $8,346
Nationwide $3,079
Progressive $3,414
State Farm $2,395
Travelers $4,183
USAA $1,856

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Cheapest Lincoln City, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lincoln City, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,850 $3,850
American Family $3,330 $3,411
Farmers $3,452 $3,452
GEICO $2,392 $2,483
Liberty Mutual $5,680 $5,992
Nationwide $2,894 $2,894
Progressive $3,808 $3,808
State Farm $2,379 $2,519
Travelers $3,516 $3,516
USAA $1,487 $1,527

The Best Cheap Car Insurance Companies in Lincoln City, IN

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

Average Annual Car Insurance Rates by Company in Lincoln City, Indiana

Insurance Company Average Annual Rates
Allstate $3,850
American Family $3,370
Farmers $3,452
GEICO $2,438
Liberty Mutual $5,836
Nationwide $2,894
Progressive $3,808
State Farm $2,449
Travelers $3,516
USAA $1,507

Category Winners: Cheapest Car Insurance in Lincoln City, Indiana

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

Best Annual Car Insurance Rates by Company in Lincoln City, Indiana

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

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Cheapest Lincoln City, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lincoln City, Indiana

Insurance Company Low Medium High
Allstate $3,652 $3,835 $4,064
American Family $3,351 $3,483 $3,278
Farmers $3,340 $3,445 $3,571
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,675 $5,824 $6,009
Nationwide $2,944 $2,871 $2,869
Progressive $3,615 $3,754 $4,055
State Farm $2,347 $2,448 $2,552
Travelers $3,452 $3,548 $3,547
USAA $1,460 $1,504 $1,557

Compare Car Insurance Quotes in Lincoln City, IN

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Average Monthly Car Insurance Rates by State