Compare Lincoln City, OR Car Insurance Rates (2021)

Car insurance in Lincoln City, OR averages $280 a month. Lincoln City, Oregon car insurance requirements are 25/50/20, 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, OR.

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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

  • Average car insurance rates in Lincoln City, OR are $3,362/year
  • The cheapest car insurance company in Lincoln City is State Farm
  • The cheapest car insurance company in Lincoln City for teen drivers is USAA

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

You’ll find Lincoln City car insurance rates, the cheapest Lincoln City, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Lincoln City, Oregon car insurance rates to Salem car insurance rates, Springfield car insurance rates, and Bend car insurance rates.

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

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

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

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 $2,950 $2,747 $2,693 $2,723 $8,880 $9,913 $3,094 $3,111
American Family $2,362 $2,362 $2,105 $2,105 $5,847 $9,162 $2,362 $2,481
Farmers $1,972 $1,924 $1,745 $1,854 $7,938 $8,089 $2,205 $2,262
GEICO $2,354 $2,273 $2,197 $2,215 $6,119 $5,577 $2,507 $2,163
Liberty Mutual $2,727 $2,879 $2,363 $2,625 $8,774 $9,487 $2,644 $2,676
Nationwide $2,192 $2,185 $1,952 $2,043 $5,014 $6,275 $2,555 $2,694
Progressive $1,830 $1,658 $1,593 $1,639 $7,893 $8,691 $2,183 $2,063
State Farm $1,579 $1,579 $1,444 $1,444 $4,985 $6,261 $1,791 $2,052
Travelers $1,789 $1,804 $1,611 $1,676 $5,006 $6,068 $1,868 $1,900
USAA $1,646 $1,598 $1,628 $1,571 $5,025 $5,398 $2,119 $2,203

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Minimum Car Insurance in Lincoln City, OR

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

Minimum Required Car Insurance Coverage in Lincoln City, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Lincoln City, OR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lincoln City, OR. 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, Oregon

Insurance Company Poor Fair Good
Allstate $5,925 $4,173 $3,445
American Family $4,569 $3,370 $2,856
Farmers $4,060 $3,305 $3,131
GEICO $3,831 $3,176 $2,520
Liberty Mutual $6,236 $3,707 $2,872
Nationwide $3,761 $2,988 $2,591
Progressive $3,865 $3,347 $3,120
State Farm $3,689 $2,353 $1,883
Travelers $3,391 $2,660 $2,094
USAA $3,973 $2,212 $1,761

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

Annual Lincoln City, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,636 $4,899 $5,080 $4,441
American Family $2,504 $3,835 $4,845 $3,210
Farmers $2,951 $3,796 $3,713 $3,534
GEICO $2,089 $3,332 $4,398 $2,883
Liberty Mutual $3,788 $4,237 $4,860 $4,202
Nationwide $2,641 $2,828 $3,999 $2,987
Progressive $2,601 $4,735 $3,346 $3,093
State Farm $2,345 $3,057 $2,582 $2,582
Travelers $2,203 $2,815 $3,158 $2,685
USAA $1,923 $2,687 $3,732 $2,251

Cheapest Lincoln City, OR Car Insurance for Teen Drivers

Teen car insurance in Lincoln City, OR 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, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,880 $9,913
American Family $5,847 $9,162
Farmers $7,938 $8,089
GEICO $6,119 $5,577
Liberty Mutual $8,774 $9,487
Nationwide $5,014 $6,275
Progressive $7,893 $8,691
State Farm $4,985 $6,261
Travelers $5,006 $6,068
USAA $5,025 $5,398

Cheapest Lincoln City, OR Car Insurance for Seniors

Take a look at Lincoln City, OR 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, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,693 $2,723
American Family $2,105 $2,105
Farmers $1,745 $1,854
GEICO $2,197 $2,215
Liberty Mutual $2,363 $2,625
Nationwide $1,952 $2,043
Progressive $1,593 $1,639
State Farm $1,444 $1,444
Travelers $1,611 $1,676
USAA $1,628 $1,571

Cheapest Lincoln City, OR Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,080
American Family $4,845
Farmers $3,713
GEICO $4,398
Liberty Mutual $4,860
Nationwide $3,999
Progressive $3,346
State Farm $2,582
Travelers $3,158
USAA $3,732

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Cheapest Lincoln City, OR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lincoln City, OR 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, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,514 $4,514
American Family $3,543 $3,653
Farmers $3,498 $3,498
GEICO $3,124 $3,228
Liberty Mutual $4,272 $4,272
Nationwide $3,114 $3,114
Progressive $3,444 $3,444
State Farm $2,574 $2,710
Travelers $2,607 $2,824
USAA $2,573 $2,724

The Best Cheap Car Insurance Companies in Lincoln City, OR

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

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

Insurance Company Average Annual Rates
Allstate $4,514
American Family $3,598
Farmers $3,498
GEICO $3,176
Liberty Mutual $4,272
Nationwide $3,114
Progressive $3,444
State Farm $2,642
Travelers $2,715
USAA $2,648

Category Winners: Cheapest Car Insurance in Lincoln City, Oregon

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

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

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

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Cheapest Lincoln City, OR 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, OR car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $4,341 $4,504 $4,697
American Family $3,592 $3,803 $3,400
Farmers $3,291 $3,456 $3,749
GEICO $2,910 $3,193 $3,424
Liberty Mutual $4,028 $4,263 $4,525
Nationwide $2,971 $3,196 $3,175
Progressive $3,322 $3,428 $3,583
State Farm $2,494 $2,646 $2,785
Travelers $2,549 $2,701 $2,895
USAA $2,534 $2,651 $2,760

What affects car insurance rates in Lincoln City, Oregon?

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

Car Theft in Lincoln City

High levels of vehicle theft can make car insurance more expensive. Lincoln City, OR car theft statistics from the FBI indicate 35 vehicle thefts a year.

Commute Time in Lincoln City

The more time you spend in your car the higher the risk of an accident. The average commute length in Lincoln City, OR is 18.1 minutes according to City-Data.

Compare Car Insurance Quotes in Lincoln City, OR

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

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