Best Cheap Auto Insurance in Lincoln, TX (2021)

The average Lincoln, TX auto insurance rates are $323 per month. The minimum auto insurance in Lincoln is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Lincoln, Texas, 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: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Lincoln for teen drivers is Progressive
  • Average auto insurance rates in Lincoln, TX for senior drivers are $2,338 per year
  • The minimum auto insurance required in Lincoln, Texas is 30/60/25

Lincoln, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Lincoln to other Texas cities, including Laredo auto insurance rates, Dallas auto insurance rates, and Fort Worth auto insurance rates to see how Lincoln, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Lincoln, Texas

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

Minimum Required Auto Insurance Coverage in Lincoln, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Auto insurance rates in Lincoln, Texas 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, Texas

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 $3,419 $3,441 $3,374 $3,374 $9,185 $11,063 $4,226 $4,391
American Family $2,725 $3,039 $2,559 $2,937 $7,330 $9,585 $3,935 $4,486
GEICO $2,378 $2,575 $2,309 $2,626 $5,224 $5,459 $2,573 $2,571
Nationwide $2,653 $2,700 $2,340 $2,481 $7,582 $9,752 $3,123 $3,383
Progressive $2,377 $2,244 $2,133 $2,165 $10,348 $11,535 $2,811 $2,836
State Farm $1,998 $1,998 $1,772 $1,772 $4,703 $5,980 $2,167 $2,237
USAA $1,519 $1,530 $1,451 $1,443 $4,235 $4,615 $2,023 $2,172

Cheap Lincoln, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lincoln, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,185 $11,063
American Family $7,330 $9,585
GEICO $5,224 $5,459
Nationwide $7,582 $9,752
Progressive $10,348 $11,535
State Farm $4,703 $5,980
USAA $4,235 $4,615

Cheap Lincoln, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lincoln, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,374 $3,374
American Family $2,559 $2,937
GEICO $2,309 $2,626
Nationwide $2,340 $2,481
Progressive $2,133 $2,165
State Farm $1,772 $1,772
USAA $1,451 $1,443

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

Annual Lincoln, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,090 $6,381 $6,675 $4,090
American Family $4,158 $5,325 $4,657 $4,158
GEICO $2,730 $3,617 $3,002 $3,509
Nationwide $3,682 $3,682 $5,478 $4,165
Progressive $3,969 $5,169 $4,626 $4,461
State Farm $2,523 $2,881 $3,388 $2,523
USAA $1,772 $2,610 $3,078 $2,033

Cheap Lincoln, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lincoln, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,675
American Family $4,657
GEICO $3,002
Nationwide $5,478
Progressive $4,626
State Farm $3,388
USAA $3,078

Cheap Lincoln, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lincoln, Texas

Insurance Company Poor Fair Good
Allstate $6,738 $4,949 $4,241
American Family $6,269 $3,983 $3,470
GEICO $4,959 $2,809 $1,875
Nationwide $5,109 $4,093 $3,552
Progressive $5,098 $4,442 $4,129
State Farm $4,009 $2,492 $1,984
USAA $3,487 $2,013 $1,620

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Cheap Lincoln, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lincoln, Texas

ZIP Code Average Annual Rates
78948 $5,795

Cheap Lincoln, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lincoln, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,180 $5,439
American Family $4,574 $4,574
GEICO $3,155 $3,274
Nationwide $4,252 $4,252
Progressive $4,556 $4,556
State Farm $2,829 $2,829
USAA $2,343 $2,403

Cheap Lincoln, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lincoln, Texas

Insurance Company Low Medium High
Allstate $5,186 $5,263 $5,479
American Family $4,275 $4,416 $5,032
GEICO $3,042 $3,170 $3,432
Nationwide $4,583 $4,068 $4,104
Progressive $4,320 $4,535 $4,813
State Farm $2,691 $2,820 $2,974
USAA $2,294 $2,364 $2,462

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Best By Category: Cheapest Auto Insurance in Lincoln, Texas

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

Best Annual Auto Insurance Rates by Company in Lincoln, Texas

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

The Cheapest Lincoln, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lincoln, Texas

Insurance Company Average Annual Rates
Allstate $5,309
American Family $4,574
GEICO $3,214
Nationwide $4,252
Progressive $4,556
State Farm $2,829
USAA $2,373

What affects auto insurance rates in Lincoln, Texas?

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

Lincoln Traffic

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

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Compare Lincoln, Texas Auto Insurance Quotes

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

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