Best Cheap Auto Insurance in Lincoln, KS (2021)

The average Lincoln, KS auto insurance rates are $274 per month. The minimum auto insurance in Lincoln is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Lincoln, Kansas, 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: Jul 15, 2021

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Things to Remember

  • The average commute length in Lincoln is 26.5 minutes
  • The cheapest auto insurance company in Lincoln is American Family
  • The most expensive auto insurance company in Lincoln for teen drivers is Liberty Mutual

Lincoln, Kansas auto insurance requirements are 25/50/25 according to Kansas 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, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Lincoln to other Kansas cities, including Shawnee auto insurance rates, Olathe auto insurance rates, and Lawrence auto insurance rates to see how Lincoln, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Lincoln, Kansas

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

Minimum Required Auto 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

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

Auto insurance rates in Lincoln, Kansas 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, 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

Cheap Lincoln, Kansas Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Lincoln, Kansas Auto Insurance for Seniors

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

Annual Auto 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

Cheap Lincoln, Kansas 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, Kansas compared to the annual auto insurance rates with a clean record in Lincoln, Kansas.

Annual Lincoln, Kansas Auto 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

Cheap Lincoln, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lincoln, Kansas

Insurance Company Annual Auto 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

Cheap Lincoln, Kansas Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Lincoln, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lincoln, Kansas

ZIP Code Average Annual Rates
67455 $3,456

Cheap Lincoln, Kansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lincoln, Kansas

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

Cheap Lincoln, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Lincoln, Kansas

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

Best Annual Auto 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

The Cheapest Lincoln, Kansas Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Lincoln, Kansas?

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

Lincoln Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lincoln, Kansas commute length is 26.5 minutes according to City-Data.

Lincoln Traffic

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

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Compare Lincoln, Kansas Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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