Best Cheap Auto Insurance in Lincoln, MI (2021)

The average Lincoln, MI auto insurance rates are $757 per month. The minimum auto insurance in Lincoln is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Lincoln, Michigan, 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

  • Average auto insurance rates in Lincoln, MI for senior drivers are $5,982 per year
  • The average commute length in Lincoln is 17.7 minutes
  • The most expensive auto insurance company in Lincoln for teen drivers is Allstate

Lincoln, Michigan auto insurance requirements are 20/40/10 according to Michigan 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Lincoln to other Michigan cities, including Lansing auto insurance rates, Detroit auto insurance rates, and Ann Arbor auto insurance rates to see how Lincoln, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Lincoln, Michigan

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

Minimum Required Auto 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

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

Auto insurance rates in Lincoln, Michigan 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, 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

Cheap Lincoln, Michigan Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Lincoln, Michigan Auto Insurance for Seniors

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

Annual Auto 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

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

Annual Lincoln, Michigan Auto 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

Cheap Lincoln, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lincoln, Michigan

Insurance Company Annual Auto 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

Cheap Lincoln, Michigan Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Lincoln, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lincoln, Michigan

ZIP Code Average Annual Rates
48742 $6,458

Cheap Lincoln, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lincoln, Michigan

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

Cheap Lincoln, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Lincoln, Michigan

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

Best Annual Auto 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

The Cheapest Lincoln, Michigan Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Lincoln, Michigan?

There are a lot of reasons why auto insurance rates in Lincoln, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lincoln, Michigan. 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, Michigan commute length is 17.7 minutes according to City-Data.

Lincoln Traffic

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

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Compare Lincoln, Michigan Auto Insurance Quotes

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