Compare Lincoln, MI Car Insurance Rates (2021)

Car insurance in Lincoln, MI averages $757 a month. Lincoln, Michigan car insurance requirements are 20/40/10, 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, MI.

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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
  • The cheapest car insurance company in Lincoln for teen drivers is USAA
  • Average car insurance rates in Lincoln, MI are $9,081/year

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

You’ll find Lincoln car insurance rates, the cheapest Lincoln, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Lincoln, Michigan car insurance rates to Dearborn car insurance rates, Warren car insurance rates, and Ann Arbor car insurance rates.

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

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

How do age, gender, and marital status affect Lincoln, MI car insurance rates? Every Lincoln, Michigan 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, Michigan

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 $14,130 $14,130 $13,112 $13,112 $35,096 $35,096 $14,887 $14,887
Farmers $4,155 $4,155 $3,880 $3,880 $9,040 $9,040 $4,658 $4,658
GEICO $3,760 $3,760 $3,798 $3,798 $10,368 $10,368 $3,596 $3,596
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $4,763 $4,763 $4,231 $4,231 $12,415 $12,415 $5,214 $5,214
Progressive $2,953 $2,756 $2,604 $2,906 $10,442 $11,094 $3,436 $3,182
State Farm $6,825 $6,825 $6,293 $6,293 $23,274 $23,274 $7,987 $7,987
Travelers $5,584 $5,584 $4,792 $4,792 $16,861 $16,861 $6,069 $6,069
USAA $2,489 $2,376 $2,338 $2,222 $6,054 $5,798 $3,047 $2,949

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Minimum Car Insurance in Lincoln, MI

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

Minimum Required Car Insurance Coverage in Lincoln, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Lincoln, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lincoln, MI. 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, Michigan

Insurance Company Poor Fair Good
Allstate $29,310 $16,214 $12,394
Farmers $7,194 $4,735 $4,370
GEICO $6,914 $5,087 $4,141
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $8,377 $6,271 $5,320
Progressive $5,695 $4,774 $4,295
State Farm $17,990 $9,107 $6,188
Travelers $8,534 $8,275 $8,170
USAA $5,097 $2,906 $2,224

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

Annual Lincoln, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,444 $12,597 $42,001 $13,182
Farmers $4,577 $5,811 $5,741 $5,604
GEICO $1,940 $4,013 $12,039 $3,531
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $5,683 $7,605 $6,921 $6,413
Progressive $4,172 $5,469 $4,934 $5,112
State Farm $7,203 $8,557 $18,033 $10,587
Travelers $5,658 $8,053 $12,908 $6,686
USAA $2,747 $3,414 $4,482 $2,993

Cheapest Lincoln, MI Car Insurance for Teen Drivers

Teen car insurance in Lincoln, MI 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, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,096 $35,096
Farmers $9,040 $9,040
GEICO $10,368 $10,368
Liberty Mutual $30,474 $30,474
Nationwide $12,415 $12,415
Progressive $10,442 $11,094
State Farm $23,274 $23,274
Travelers $16,861 $16,861
USAA $6,054 $5,798

Cheapest Lincoln, MI Car Insurance for Seniors

Take a look at Lincoln, MI 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, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,112 $13,112
Farmers $3,880 $3,880
GEICO $3,798 $3,798
Liberty Mutual $12,695 $12,695
Nationwide $4,231 $4,231
Progressive $2,604 $2,906
State Farm $6,293 $6,293
Travelers $4,792 $4,792
USAA $2,338 $2,222

Cheapest Lincoln, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lincoln, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $42,001
Farmers $5,741
GEICO $12,039
Liberty Mutual $26,565
Nationwide $6,921
Progressive $4,934
State Farm $18,033
Travelers $12,908
USAA $4,482

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Cheapest Lincoln, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lincoln, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $19,306 $19,306
Farmers $5,433 $5,433
GEICO $5,255 $5,506
Liberty Mutual $16,605 $17,805
Nationwide $6,656 $6,656
Progressive $4,922 $4,922
State Farm $10,793 $11,397
Travelers $8,279 $8,375
USAA $3,370 $3,448

The Best Cheap Car Insurance Companies in Lincoln, MI

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

Average Annual Car Insurance Rates by Company in Lincoln, Michigan

Insurance Company Average Annual Rates
Allstate $19,306
Farmers $5,433
GEICO $5,381
Liberty Mutual $17,205
Nationwide $6,656
Progressive $4,922
State Farm $11,095
Travelers $8,327
USAA $3,409

Category Winners: Cheapest Car Insurance in Lincoln, Michigan

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

Best Annual Car Insurance Rates by Company in Lincoln, Michigan

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

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

Annual Car Insurance Rates by Coverage Level in Lincoln, Michigan

Insurance Company Low Medium High
Allstate $18,877 $19,344 $19,697
Farmers $5,296 $5,422 $5,582
GEICO $5,032 $5,333 $5,777
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $6,997 $6,535 $6,435
Progressive $4,759 $4,929 $5,078
State Farm $10,546 $11,163 $11,576
Travelers $8,241 $8,334 $8,405
USAA $3,309 $3,417 $3,502

What affects car insurance rates in Lincoln, Michigan?

What factors can have an impact on Lincoln, MI 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, Michigan.

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, MI is 17.7 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, MI traffic data from INRIX ranks Lincoln as the 59th-most congested in the world.

Compare Car Insurance Quotes in Lincoln, MI

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

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