Compare Lincoln, KS Car Insurance Rates (2021)

Car insurance in Lincoln, KS averages $274 a month. Lincoln, Kansas 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, KS.

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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, KS after a DUI are $3,955/year
  • The cheapest car insurance company in Lincoln for teen drivers is American Family
  • The cheapest car insurance company in Lincoln is American Family

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

You’ll find Lincoln car insurance rates, the cheapest Lincoln, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Lincoln, Kansas car insurance rates to Lenexa car insurance rates, Olathe car insurance rates, and Salina car insurance rates.

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

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

How do age, gender, and marital status affect Lincoln, KS car insurance rates? Every Lincoln, Kansas 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, Kansas

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 $2,655 $2,589 $2,371 $2,441 $7,265 $8,136 $2,739 $2,845
American Family $1,626 $1,626 $1,467 $1,467 $3,083 $3,684 $1,626 $1,820
Farmers $2,596 $2,584 $2,325 $2,420 $6,734 $6,975 $2,916 $3,077
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,402 $2,600 $2,256 $2,519 $10,464 $11,698 $2,658 $2,884
Nationwide $1,884 $1,949 $1,672 $1,808 $3,784 $4,660 $2,179 $2,326
Progressive $2,247 $2,144 $1,809 $1,888 $8,192 $9,242 $2,654 $2,843
State Farm $1,651 $1,651 $1,442 $1,442 $4,341 $5,539 $1,854 $2,094
Travelers $2,041 $2,078 $1,987 $2,011 $8,196 $12,768 $2,089 $2,472
USAA $1,396 $1,431 $1,272 $1,296 $4,580 $4,837 $1,837 $1,934

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Minimum Car Insurance in Lincoln, KS

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

Minimum Required Car Insurance Coverage in Lincoln, Kansas

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, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lincoln, KS. 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, Kansas

Insurance Company Poor Fair Good
Allstate $4,804 $3,653 $3,183
American Family $2,674 $1,897 $1,578
Farmers $4,373 $3,465 $3,272
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,685 $4,685 $4,685
Nationwide $2,818 $2,473 $2,306
Progressive $4,454 $3,733 $3,444
State Farm $3,642 $2,177 $1,686
Travelers $4,862 $3,955 $3,798
USAA $3,182 $2,079 $1,707

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

Annual Lincoln, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,348 $3,898 $4,515 $3,760
American Family $2,012 $2,162 $2,012 $2,012
Farmers $3,131 $4,007 $3,906 $3,769
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,571 $5,289 $5,201 $4,679
Nationwide $1,892 $2,181 $3,885 $2,172
Progressive $3,586 $4,182 $3,742 $3,999
State Farm $2,325 $2,679 $2,502 $2,502
Travelers $3,068 $3,998 $5,509 $4,246
USAA $1,705 $2,284 $3,352 $1,950

Cheapest Lincoln, KS Car Insurance for Teen Drivers

Teen car insurance in Lincoln, KS 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, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,265 $8,136
American Family $3,083 $3,684
Farmers $6,734 $6,975
GEICO $4,439 $5,960
Liberty Mutual $10,464 $11,698
Nationwide $3,784 $4,660
Progressive $8,192 $9,242
State Farm $4,341 $5,539
Travelers $8,196 $12,768
USAA $4,580 $4,837

Cheapest Lincoln, KS Car Insurance for Seniors

Take a look at Lincoln, KS 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, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,371 $2,441
American Family $1,467 $1,467
Farmers $2,325 $2,420
GEICO $2,443 $2,273
Liberty Mutual $2,256 $2,519
Nationwide $1,672 $1,808
Progressive $1,809 $1,888
State Farm $1,442 $1,442
Travelers $1,987 $2,011
USAA $1,272 $1,296

Cheapest Lincoln, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lincoln, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,515
American Family $2,012
Farmers $3,906
GEICO $4,922
Liberty Mutual $5,201
Nationwide $3,885
Progressive $3,742
State Farm $2,502
Travelers $5,509
USAA $3,352

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Cheapest Lincoln, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lincoln, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,880 $3,880
American Family $2,023 $2,077
Farmers $3,703 $3,703
GEICO $3,027 $3,159
Liberty Mutual $4,685 $4,685
Nationwide $2,533 $2,533
Progressive $3,877 $3,877
State Farm $2,440 $2,564
Travelers $4,205 $4,205
USAA $2,254 $2,392

The Best Cheap Car Insurance Companies in Lincoln, KS

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

Average Annual Car Insurance Rates by Company in Lincoln, Kansas

Insurance Company Average Annual Rates
Allstate $3,880
American Family $2,050
Farmers $3,703
GEICO $3,093
Liberty Mutual $4,685
Nationwide $2,533
Progressive $3,877
State Farm $2,502
Travelers $4,205
USAA $2,323

Category Winners: Cheapest Car Insurance in Lincoln, Kansas

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

Best Annual Car Insurance Rates by Company in Lincoln, Kansas

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

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

Annual Car Insurance Rates by Coverage Level in Lincoln, Kansas

Insurance Company Low Medium High
Allstate $3,772 $3,872 $3,997
American Family $2,076 $2,154 $1,921
Farmers $3,567 $3,685 $3,858
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,585 $4,675 $4,795
Nationwide $2,672 $2,504 $2,422
Progressive $3,683 $3,848 $4,101
State Farm $2,415 $2,508 $2,582
Travelers $4,000 $4,211 $4,404
USAA $2,253 $2,318 $2,398

What affects car insurance rates in Lincoln, Kansas?

What factors can have an impact on Lincoln, KS 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, Kansas.

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, KS is 26.5 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, KS traffic data from INRIX ranks Lincoln as the 59th-most congested in the world.

Compare Car Insurance Quotes in Lincoln, KS

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

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