Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Lincoln after a DUI is USAA
  • The cheapest car insurance company in Lincoln for teen drivers is USAA
  • Average car insurance rates in Lincoln, AL are $298/month

Average car insurance rates in Lincoln, Alabama are $298 a month. But with a little research you can get a great deal from the top car insurance companies in Lincoln, AL. Before you buy Lincoln, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Lincoln car insurance rates with Montgomery car insurance rates, Madison car insurance rates, or Mobile car insurance rates to make sure you’re getting the best Lincoln, AL car insurance quotes available.

Need affordable Lincoln, AL car insurance? Enter your ZIP code to compare Lincoln car insurance quotes from multiple car insurance companies near you.

Lincoln, AL Minimum Car Insurance Coverage

Lincoln, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lincoln, Alabama

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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Lincoln, AL Car Insurance Rates by Coverage Level

Some Lincoln drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Lincoln, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lincoln, Alabama

Insurance Company Low Medium High
Allstate $3,231 $3,341 $3,464
Farmers $3,711 $3,880 $4,204
GEICO $2,493 $2,695 $2,934
Liberty Mutual $5,266 $5,490 $5,793
Nationwide $2,523 $2,511 $2,569
Progressive $3,625 $4,030 $4,509
State Farm $4,209 $4,440 $4,688
Travelers $3,427 $3,683 $3,722
USAA $2,001 $2,062 $2,155

Lincoln, AL Car Insurance Rates by Age, Gender, and Marital Status

Lincoln, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lincoln, AL car insurance, get quotes from multiple car insurance companies in the Lincoln area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lincoln, Alabama

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 $2,004 $1,907 $1,812 $1,847 $7,068 $7,585 $2,245 $2,295
Farmers $2,248 $2,232 $2,009 $2,134 $8,684 $8,935 $2,555 $2,658
GEICO $1,942 $1,929 $1,848 $1,908 $5,090 $4,991 $2,049 $1,901
Liberty Mutual $3,206 $3,464 $2,627 $2,937 $11,762 $13,077 $3,417 $3,642
Nationwide $1,673 $1,696 $1,523 $1,580 $4,307 $5,568 $1,853 $2,074
Progressive $2,211 $2,072 $1,810 $1,940 $9,028 $10,064 $2,580 $2,732
State Farm $2,722 $2,722 $2,462 $2,462 $8,248 $10,322 $3,076 $3,554
Travelers $1,467 $1,490 $1,378 $1,373 $7,851 $12,348 $1,389 $1,590
USAA $1,293 $1,314 $1,205 $1,181 $3,835 $4,254 $1,684 $1,818

Lincoln, AL Car Insurance Rates for Teens

How much is Lincoln, Alabama car insurance for teens? Compare rates from top Lincoln car insurance companies below to help find the cheapest teen car insurance in Lincoln, AL.

Annual Car Insurance Rates for Teen Drivers in Lincoln, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,068 $7,585
Farmers $8,684 $8,935
GEICO $5,090 $4,991
Liberty Mutual $11,762 $13,077
Nationwide $4,307 $5,568
Progressive $9,028 $10,064
State Farm $8,248 $10,322
Travelers $7,851 $12,348
USAA $3,835 $4,254

Lincoln, AL Car Insurance Rates for Seniors

Before seniors buy Lincoln, Alabama car insurance, they should make sure to shop around. Some Lincoln, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lincoln, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,812 $1,847
Farmers $2,009 $2,134
GEICO $1,848 $1,908
Liberty Mutual $2,627 $2,937
Nationwide $1,523 $1,580
Progressive $1,810 $1,940
State Farm $2,462 $2,462
Travelers $1,378 $1,373
USAA $1,205 $1,181

Lincoln, AL Car Insurance Rates by Credit History

How does your credit history affect Lincoln, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Lincoln, Alabama

Insurance Company Poor Fair Good
Allstate $4,126 $3,250 $2,660
Farmers $4,409 $3,792 $3,594
GEICO $3,443 $2,456 $2,223
Liberty Mutual $7,906 $4,844 $3,799
Nationwide $3,058 $2,386 $2,158
Progressive $4,579 $3,923 $3,662
State Farm $7,209 $3,649 $2,479
Travelers $3,938 $3,415 $3,480
USAA $2,790 $1,812 $1,617

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Lincoln, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lincoln, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lincoln.

Annual Lincoln, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,836 $3,350 $3,984 $3,211
Farmers $3,307 $4,279 $4,175 $3,966
GEICO $1,828 $2,936 $3,629 $2,436
Liberty Mutual $4,322 $6,027 $5,889 $5,829
Nationwide $2,217 $2,217 $3,227 $2,475
Progressive $3,664 $4,602 $3,932 $4,020
State Farm $4,012 $4,976 $4,398 $4,398
Travelers $3,007 $3,156 $4,616 $3,664
USAA $1,595 $2,000 $2,972 $1,725

Lincoln, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Lincoln, AL car insurance rates. Compare rates below to see which Lincoln car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Lincoln, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,984
Farmers $4,175
GEICO $3,629
Liberty Mutual $5,889
Nationwide $3,227
Progressive $3,932
State Farm $4,398
Travelers $4,616
USAA $2,972

Lincoln, AL Car Insurance Rates by ZIP Code

Just like Lincoln car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Lincoln, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Lincoln, Alabama

ZIP Code Average Annual Rates
35096 $3,716
35160 $3,625

Lincoln, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lincoln, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Lincoln companies based on commute time.

Annual Car Insurance Rates by Commute Length in Lincoln, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,345 $3,345
Farmers $3,932 $3,932
GEICO $2,658 $2,756
Liberty Mutual $5,516 $5,516
Nationwide $2,534 $2,534
Progressive $4,055 $4,055
State Farm $4,339 $4,552
Travelers $3,611 $3,611
USAA $1,978 $2,168

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Lincoln, AL Cheapest Car Insurance Rates

How do the top Lincoln, Alabama car insurance companies’ average rates stack up against the Lincoln average monthly car insurance rates of $298? Take a look and see.

Best Annual Car Insurance Rates by Company in Lincoln, Alabama

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

Lincoln, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lincoln, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Lincoln, Alabama

Insurance Company Average Annual Rates
Allstate $3,345
Farmers $3,932
GEICO $2,707
Liberty Mutual $5,516
Nationwide $2,534
Progressive $4,055
State Farm $4,446
Travelers $3,611
USAA $2,073

Other Factors Affecting Lincoln, AL Car Insurance Rates

Before you buy Lincoln, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lincoln, AL Car Theft Rates

The car theft rate in Lincoln, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Lincoln, Alabama is 41 stolen cars.

Lincoln, AL Commute Time

How does your Lincoln, AL commute time compare with the average driver? In Lincoln, the average commute is 21.9 minutes.

Lincoln, AL Traffic

Spending time in Lincoln traffic can lead to higher car insurance rates. According to INRIX data, Lincoln, AL ranks as the 59th-most congested with traffic in the world.

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Lincoln, AL Car Insurance Quotes

Compare Lincoln, AL car insurance quotes from multiple companies by entering your ZIP code now.