Best Cheap Auto Insurance in Lincoln, MA (2021)

The average Lincoln, MA auto insurance rates are $235 per month. The minimum auto insurance in Lincoln is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Lincoln, Massachusetts, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 cheapest auto insurance company in Lincoln is State Farm
  • Average auto insurance rates in Lincoln, MA for senior drivers are $1,754 per year
  • The most expensive auto insurance company in Lincoln for teen drivers is Progressive

Lincoln, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts 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, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Lincoln to other Massachusetts cities, including Quincy auto insurance rates, Brockton auto insurance rates, and Springfield auto insurance rates to see how Lincoln, Massachusetts auto insurance rates stack up.

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

Minimum Auto Insurance in Lincoln, Massachusetts

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

Minimum Required Auto Insurance Coverage in Lincoln, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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

Auto insurance rates in Lincoln, Massachusetts 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, Massachusetts

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 $2,051 $2,051 $2,051 $2,051 $7,339 $7,339 $2,302 $2,302
GEICO $1,671 $1,671 $1,535 $1,535 $4,896 $4,896 $1,731 $1,731
Liberty Mutual $2,439 $2,439 $2,127 $2,127 $8,005 $8,005 $2,552 $2,552
Progressive $2,166 $2,166 $2,076 $2,076 $8,225 $8,225 $2,355 $2,355
State Farm $794 $794 $794 $794 $2,165 $2,165 $794 $794
Travelers $2,837 $2,837 $2,513 $2,513 $5,836 $5,836 $3,156 $3,156
USAA $1,197 $1,197 $1,180 $1,180 $2,763 $2,763 $1,323 $1,323

Cheap Lincoln, Massachusetts Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lincoln, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,339 $7,339
GEICO $4,896 $4,896
Liberty Mutual $8,005 $8,005
Progressive $8,225 $8,225
State Farm $2,165 $2,165
Travelers $5,836 $5,836
USAA $2,763 $2,763

Cheap Lincoln, Massachusetts Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lincoln, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,051 $2,051
GEICO $1,535 $1,535
Liberty Mutual $2,127 $2,127
Progressive $2,076 $2,076
State Farm $794 $794
Travelers $2,513 $2,513
USAA $1,180 $1,180

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

Annual Lincoln, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,665 $3,953 $4,460 $2,665
GEICO $1,972 $2,698 $3,086 $2,078
Liberty Mutual $2,983 $4,061 $4,898 $3,181
Progressive $3,119 $4,384 $3,476 $3,844
State Farm $898 $1,224 $1,461 $962
Travelers $2,793 $3,870 $4,131 $3,548
USAA $1,155 $1,494 $2,524 $1,290

Cheap Lincoln, Massachusetts Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lincoln, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,460
GEICO $3,086
Liberty Mutual $4,898
Progressive $3,476
State Farm $1,461
Travelers $4,131
USAA $2,524

Cheap Lincoln, Massachusetts Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lincoln, Massachusetts

ZIP Code Average Annual Rates
1773 $2,817

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Cheap Lincoln, Massachusetts Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lincoln, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,328 $3,544
GEICO $2,410 $2,507
Liberty Mutual $3,634 $3,927
Progressive $3,706 $3,706
State Farm $1,110 $1,163
Travelers $3,418 $3,753
USAA $1,572 $1,660

Cheap Lincoln, Massachusetts Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lincoln, Massachusetts

Insurance Company Low Medium High
Allstate $3,196 $3,489 $3,623
GEICO $2,279 $2,500 $2,596
Liberty Mutual $3,549 $3,828 $3,964
Progressive $3,414 $3,787 $3,915
State Farm $1,037 $1,157 $1,215
Travelers $3,221 $3,665 $3,870
USAA $1,500 $1,642 $1,706

Best By Category: Cheapest Auto Insurance in Lincoln, Massachusetts

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

Best Annual Auto Insurance Rates by Company in Lincoln, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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The Cheapest Lincoln, Massachusetts Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lincoln, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,436
GEICO $2,458
Liberty Mutual $3,781
Progressive $3,706
State Farm $1,137
Travelers $3,585
USAA $1,616

What affects auto insurance rates in Lincoln, Massachusetts?

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

Lincoln Traffic

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

Compare Lincoln, Massachusetts Auto Insurance Quotes

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