Compare Lincoln, DE Car Insurance Rates (2021)

Car insurance in Lincoln, DE averages $442 a month. Lincoln, Delaware car insurance requirements are 25/50/10, 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, DE.

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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, DE after a DUI are $7,016/year
  • Average car insurance rates in Lincoln, DE are $5,301/year

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

You’ll find Lincoln car insurance rates, the cheapest Lincoln, DE car insurance companies, and information on Delaware car insurance laws. You can also compare Lincoln, Delaware car insurance rates to Wilmington car insurance rates, Elsmere car insurance rates, and Seaford car insurance rates.

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

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

How do age, gender, and marital status affect Lincoln, DE car insurance rates? Every Lincoln, Delaware 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, Delaware

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 $3,160 $3,129 $2,774 $2,932 $11,271 $13,211 $3,364 $3,592
GEICO $2,394 $2,660 $2,291 $2,666 $5,847 $6,106 $2,526 $2,454
Liberty Mutual $11,459 $11,459 $11,321 $11,321 $25,427 $38,488 $11,459 $15,856
Nationwide $2,533 $2,519 $2,314 $2,309 $5,939 $7,522 $2,807 $3,006
Progressive $1,727 $1,600 $1,521 $1,553 $8,592 $9,468 $2,100 $2,043
State Farm $2,494 $2,494 $2,297 $2,297 $7,096 $9,168 $2,797 $2,917
Travelers $1,339 $1,344 $1,318 $1,284 $7,268 $11,026 $1,426 $1,553
USAA $1,147 $1,130 $1,064 $1,063 $4,140 $4,856 $1,435 $1,575

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Minimum Car Insurance in Lincoln, DE

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

Minimum Required Car Insurance Coverage in Lincoln, Delaware

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Lincoln, DE Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lincoln, DE. 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, Delaware

Insurance Company Poor Fair Good
Allstate $6,949 $4,949 $4,389
GEICO $5,219 $2,898 $1,988
Liberty Mutual $23,141 $15,587 $12,568
Nationwide $4,183 $3,489 $3,184
Progressive $3,998 $3,496 $3,232
State Farm $6,040 $3,327 $2,468
Travelers $3,705 $3,060 $3,195
USAA $3,350 $1,627 $1,177

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

Annual Lincoln, Delaware Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,595 $5,491 $6,417 $5,214
GEICO $2,586 $3,579 $4,373 $2,935
Liberty Mutual $13,628 $15,703 $25,102 $13,962
Nationwide $2,892 $2,892 $5,279 $3,412
Progressive $3,088 $4,071 $3,510 $3,632
State Farm $3,578 $4,312 $3,945 $3,945
Travelers $2,837 $2,846 $4,618 $2,978
USAA $1,694 $1,694 $2,883 $1,933

Cheapest Lincoln, DE Car Insurance for Teen Drivers

Teen car insurance in Lincoln, DE 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, Delaware

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,271 $13,211
GEICO $5,847 $6,106
Liberty Mutual $25,427 $38,488
Nationwide $5,939 $7,522
Progressive $8,592 $9,468
State Farm $7,096 $9,168
Travelers $7,268 $11,026
USAA $4,140 $4,856

Cheapest Lincoln, DE Car Insurance for Seniors

Take a look at Lincoln, DE 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, Delaware

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,774 $2,932
GEICO $2,291 $2,666
Liberty Mutual $11,321 $11,321
Nationwide $2,314 $2,309
Progressive $1,521 $1,553
State Farm $2,297 $2,297
Travelers $1,318 $1,284
USAA $1,064 $1,063

Cheapest Lincoln, DE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lincoln, Delaware

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,417
GEICO $4,373
Liberty Mutual $25,102
Nationwide $5,279
Progressive $3,510
State Farm $3,945
Travelers $4,618
USAA $2,883

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Cheapest Lincoln, DE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lincoln, Delaware

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,429 $5,429
GEICO $3,314 $3,422
Liberty Mutual $16,627 $17,571
Nationwide $3,619 $3,619
Progressive $3,575 $3,575
State Farm $3,810 $4,080
Travelers $3,320 $3,320
USAA $2,029 $2,073

The Best Cheap Car Insurance Companies in Lincoln, DE

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

Average Annual Car Insurance Rates by Company in Lincoln, Delaware

Insurance Company Average Annual Rates
Allstate $5,429
GEICO $3,368
Liberty Mutual $17,099
Nationwide $3,619
Progressive $3,575
State Farm $3,945
Travelers $3,320
USAA $2,051

Category Winners: Cheapest Car Insurance in Lincoln, Delaware

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

Best Annual Car Insurance Rates by Company in Lincoln, Delaware

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, DE 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, DE car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lincoln, Delaware

Insurance Company Low Medium High
Allstate $5,004 $5,488 $5,795
GEICO $3,044 $3,417 $3,644
Liberty Mutual $16,248 $16,898 $18,149
Nationwide $3,604 $3,559 $3,692
Progressive $3,148 $3,617 $3,961
State Farm $3,685 $3,954 $4,196
Travelers $3,148 $3,420 $3,391
USAA $1,912 $2,047 $2,195

What affects car insurance rates in Lincoln, Delaware?

What factors can have an impact on Lincoln, DE 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, Delaware.

Traffic in Lincoln

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

Compare Car Insurance Quotes in Lincoln, DE

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Average Monthly Car Insurance Rates by State