Compare Lincoln, ME Car Insurance Rates (2021)

Car insurance in Lincoln, ME averages $208 a month. Lincoln, Maine car insurance requirements are 50/100/25, 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, ME.

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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, ME after a DUI are $2,961/year
  • The cheapest car insurance company in Lincoln is USAA
  • Average car insurance rates in Lincoln, ME are $2,498/year

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

You’ll find Lincoln car insurance rates, the cheapest Lincoln, ME car insurance companies, and information on Maine car insurance laws. You can also compare Lincoln, Maine car insurance rates to Bangor car insurance rates, Augusta car insurance rates, and Westbrook car insurance rates.

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

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

How do age, gender, and marital status affect Lincoln, ME car insurance rates? Every Lincoln, Maine 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, Maine

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 $1,782 $1,839 $1,596 $1,733 $4,384 $5,857 $1,948 $2,184
Farmers $1,631 $1,645 $1,518 $1,640 $4,911 $5,535 $1,894 $1,968
GEICO $989 $1,024 $989 $989 $2,397 $3,119 $1,078 $1,152
Liberty Mutual $3,026 $3,026 $2,881 $2,881 $6,444 $9,650 $3,026 $4,267
Progressive $1,799 $1,763 $1,799 $1,763 $7,464 $8,390 $2,100 $2,379
State Farm $1,229 $1,229 $1,154 $1,154 $3,871 $4,818 $1,367 $1,501
Travelers $1,022 $1,063 $928 $951 $4,055 $5,472 $1,024 $1,189
USAA $849 $838 $844 $826 $2,770 $3,059 $1,080 $1,138

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Minimum Car Insurance in Lincoln, ME

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

Minimum Required Car Insurance Coverage in Lincoln, Maine

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $50,000 per person
$100,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Lincoln, ME Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lincoln, ME. 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, Maine

Insurance Company Poor Fair Good
Allstate $3,352 $2,549 $2,095
Farmers $3,007 $2,481 $2,290
GEICO $1,974 $1,309 $1,117
Liberty Mutual $6,126 $3,969 $3,104
Progressive $3,885 $3,325 $3,086
State Farm $2,971 $1,775 $1,375
Travelers $2,308 $1,893 $1,687
USAA $1,871 $1,286 $1,119

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

Annual Lincoln, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,187 $2,946 $3,066 $2,463
Farmers $2,272 $2,890 $2,508 $2,701
GEICO $1,066 $1,501 $2,235 $1,066
Liberty Mutual $3,409 $3,989 $6,502 $3,699
Progressive $2,754 $4,640 $3,062 $3,272
State Farm $1,855 $2,226 $2,040 $2,040
Travelers $1,639 $1,820 $2,273 $2,120
USAA $1,085 $1,426 $1,998 $1,192

Cheapest Lincoln, ME Car Insurance for Teen Drivers

Teen car insurance in Lincoln, ME 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, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,384 $5,857
Farmers $4,911 $5,535
GEICO $2,397 $3,119
Liberty Mutual $6,444 $9,650
Progressive $7,464 $8,390
State Farm $3,871 $4,818
Travelers $4,055 $5,472
USAA $2,770 $3,059

Cheapest Lincoln, ME Car Insurance for Seniors

Take a look at Lincoln, ME 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, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,596 $1,733
Farmers $1,518 $1,640
GEICO $989 $989
Liberty Mutual $2,881 $2,881
Progressive $1,799 $1,763
State Farm $1,154 $1,154
Travelers $928 $951
USAA $844 $826

Cheapest Lincoln, ME Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lincoln, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,066
Farmers $2,508
GEICO $2,235
Liberty Mutual $6,502
Progressive $3,062
State Farm $2,040
Travelers $2,273
USAA $1,998

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Cheapest Lincoln, ME Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lincoln, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,665 $2,665
Farmers $2,593 $2,593
GEICO $1,443 $1,491
Liberty Mutual $4,309 $4,491
Progressive $3,432 $3,432
State Farm $1,974 $2,107
Travelers $1,963 $1,963
USAA $1,385 $1,465

The Best Cheap Car Insurance Companies in Lincoln, ME

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

Average Annual Car Insurance Rates by Company in Lincoln, Maine

Insurance Company Average Annual Rates
Allstate $2,665
Farmers $2,593
GEICO $1,467
Liberty Mutual $4,400
Progressive $3,432
State Farm $2,040
Travelers $1,963
USAA $1,425

Category Winners: Cheapest Car Insurance in Lincoln, Maine

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

Best Annual Car Insurance Rates by Company in Lincoln, Maine

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

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

Annual Car Insurance Rates by Coverage Level in Lincoln, Maine

Insurance Company Low Medium High
Allstate $2,631 $2,632 $2,733
Farmers $2,503 $2,520 $2,755
GEICO $1,439 $1,448 $1,514
Liberty Mutual $4,352 $4,352 $4,497
Progressive $3,370 $3,377 $3,548
State Farm $1,995 $2,021 $2,105
Travelers $1,934 $1,937 $2,019
USAA $1,398 $1,409 $1,468

What affects car insurance rates in Lincoln, Maine?

What factors can have an impact on Lincoln, ME 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, Maine.

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, ME is 36.7 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, ME traffic data from INRIX ranks Lincoln as the 59th-most congested in the world.

Compare Car Insurance Quotes in Lincoln, ME

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

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