Best Cheap Auto Insurance in Lincoln, DE (2021)

The average Lincoln, DE auto insurance rates are $442 per month. The minimum auto insurance in Lincoln is at least 25/50/10 in coverage to comply with Delaware auto insurance laws. To find the best cheap auto insurance in Lincoln, Delaware, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Lincoln, Delaware is 25/50/10
  • The most expensive auto insurance company in Lincoln for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Lincoln is USAA

Lincoln, Delaware auto insurance requirements are 25/50/10 according to Delaware auto insurance laws. Finding cheap auto insurance in Lincoln can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lincoln, Delaware, including driving record, credit, commute time, and more.

Compare auto insurance in Lincoln to other Delaware cities, including Seaford auto insurance rates, Middle auto insurance rates, and Newark auto insurance rates to see how Lincoln, Delaware auto insurance rates stack up.

Before you buy Lincoln, Delaware auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lincoln, Delaware auto insurance quotes.

Minimum Auto Insurance in Lincoln, Delaware

Lincoln, Delaware auto insurance laws require that you have at least the Delaware minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lincoln, Delaware.

Minimum Required Auto 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

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Cheap Lincoln, Delaware Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lincoln, Delaware are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Lincoln, Delaware Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lincoln, Delaware is a challenge. Take a look at the annual teen auto insurance rates in Lincoln, Delaware.

Annual Auto 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

Cheap Lincoln, Delaware Auto Insurance for Seniors

What are senior auto insurance rates in Lincoln, Delaware? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Lincoln, Delaware Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lincoln, Delaware compared to the annual auto insurance rates with a clean record in Lincoln, Delaware.

Annual Lincoln, Delaware Auto 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

Cheap Lincoln, Delaware Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lincoln, Delaware is not easy. Compare the annual rates for DUI auto insurance in Lincoln, Delaware to find the best deal.

Annual Auto Insurance Rates After a DUI in Lincoln, Delaware

Insurance Company Annual Auto 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

Cheap Lincoln, Delaware Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lincoln, Delaware annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Lincoln, Delaware Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lincoln, Delaware can vary. Compare the annual cost of auto insurance by ZIP code in Lincoln, Delaware to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lincoln, Delaware

ZIP Code Average Annual Rates
19960 $5,301

Cheap Lincoln, Delaware Auto Insurance Rates By Commute

Commute length and annual mileage affect Lincoln, Delaware auto insurance. Find the cheapest annual Lincoln, Delaware auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lincoln, Delaware

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lincoln, Delaware Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lincoln, Delaware? Check out the comparison of annual Lincoln, Delaware auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Lincoln, Delaware

Compare the cheapest auto insurance companies in Lincoln, Delaware in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Lincoln, Delaware Auto Insurance Companies

What auto insurance companies in Lincoln, Delaware are the cheapest? Compare the top Lincoln, Delaware auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Lincoln, Delaware?

There are a lot of reasons why auto insurance rates in Lincoln, Delaware are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lincoln, Delaware. Many local factors may affect your Lincoln auto insurance rates.

Lincoln Traffic

How does Lincoln, Delaware rank for traffic? According to Inrix Lincoln, Delaware is the 59th most congested worldwide.

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Compare Lincoln, Delaware Auto Insurance Quotes

Before you buy Lincoln, Delaware auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lincoln, Delaware auto insurance quotes.

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