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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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 State Farm
  • Average car insurance rates in Lincoln, AR are $317/month
  • Average car insurance rates in Lincoln, AR for senior drivers are $1,952/year

Average car insurance rates in Lincoln, Arkansas are $317 a month. But with a little research you can get a great deal from the top car insurance companies in Lincoln, AR. Before you buy Lincoln, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Lincoln car insurance rates with Pine Bluff car insurance rates, North Little Rock car insurance rates, or Fayetteville car insurance rates to make sure you’re getting the best Lincoln, AR car insurance quotes available.

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

Lincoln, AR Minimum Car Insurance Coverage

Lincoln, Arkansas 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, Arkansas

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, AR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lincoln, Arkansas

Insurance Company Low Medium High
Allstate $4,613 $4,735 $4,866
Farmers $3,821 $3,999 $4,320
GEICO $2,749 $2,884 $3,023
Liberty Mutual $3,675 $3,780 $3,965
Nationwide $3,787 $3,680 $3,785
Progressive $4,324 $4,666 $5,268
State Farm $2,413 $2,545 $2,685
Travelers $5,282 $5,556 $5,785
USAA $2,092 $2,171 $2,273

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

Lincoln, Arkansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lincoln, AR 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, Arkansas

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 $2,668 $2,682 $2,388 $2,550 $9,771 $11,725 $2,936 $3,183
Farmers $2,148 $2,133 $1,914 $2,023 $9,397 $9,733 $2,457 $2,568
GEICO $2,043 $2,012 $1,878 $1,825 $5,627 $5,611 $2,028 $2,057
Liberty Mutual $2,121 $2,264 $2,053 $2,290 $8,112 $8,928 $2,296 $2,388
Nationwide $2,547 $2,593 $2,289 $2,416 $6,206 $7,893 $2,919 $3,143
Progressive $2,445 $2,293 $2,015 $2,116 $10,869 $12,208 $2,919 $3,157
State Farm $1,582 $1,582 $1,425 $1,425 $4,672 $5,864 $1,784 $2,048
Travelers $2,023 $2,057 $2,023 $2,023 $12,116 $19,421 $2,180 $2,486
USAA $1,337 $1,347 $1,242 $1,245 $4,249 $4,444 $1,719 $1,849

Lincoln, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Lincoln, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,771 $11,725
Farmers $9,397 $9,733
GEICO $5,627 $5,611
Liberty Mutual $8,112 $8,928
Nationwide $6,206 $7,893
Progressive $10,869 $12,208
State Farm $4,672 $5,864
Travelers $12,116 $19,421
USAA $4,249 $4,444

Lincoln, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Lincoln, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,388 $2,550
Farmers $1,914 $2,023
GEICO $1,878 $1,825
Liberty Mutual $2,053 $2,290
Nationwide $2,289 $2,416
Progressive $2,015 $2,116
State Farm $1,425 $1,425
Travelers $2,023 $2,023
USAA $1,242 $1,245

Lincoln, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Lincoln, Arkansas

Insurance Company Poor Fair Good
Allstate $5,942 $4,566 $3,706
Farmers $4,587 $3,869 $3,684
GEICO $3,454 $2,844 $2,357
Liberty Mutual $5,479 $3,334 $2,607
Nationwide $4,434 $3,567 $3,251
Progressive $5,354 $4,606 $4,298
State Farm $3,689 $2,223 $1,732
Travelers $6,345 $5,311 $4,968
USAA $2,884 $1,971 $1,681

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Lincoln, AR Car Insurance Rates by Driver History

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

Annual Lincoln, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,902 $4,911 $5,469 $4,670
Farmers $3,418 $4,391 $4,295 $4,083
GEICO $1,976 $3,006 $4,432 $2,127
Liberty Mutual $2,567 $4,232 $4,956 $3,472
Nationwide $2,925 $3,770 $5,091 $3,217
Progressive $4,088 $5,726 $4,301 $4,896
State Farm $2,331 $2,764 $2,548 $2,548
Travelers $4,637 $4,789 $7,047 $5,691
USAA $1,672 $2,122 $3,066 $1,855

Lincoln, AR Car Insurance Rates With a DUI

Even a single DUI can increase your Lincoln, AR 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, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,469
Farmers $4,295
GEICO $4,432
Liberty Mutual $4,956
Nationwide $5,091
Progressive $4,301
State Farm $2,548
Travelers $7,047
USAA $3,066

Lincoln, AR Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lincoln, AR 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, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,738 $4,738
Farmers $4,047 $4,047
GEICO $2,860 $2,910
Liberty Mutual $3,807 $3,807
Nationwide $3,751 $3,751
Progressive $4,753 $4,753
State Farm $2,486 $2,609
Travelers $5,541 $5,541
USAA $2,117 $2,240

Lincoln, AR Cheapest Car Insurance Rates

How do the top Lincoln, Arkansas car insurance companies’ average rates stack up against the Lincoln average monthly car insurance rates of $317? Take a look and see.

Best Annual Car Insurance Rates by Company in Lincoln, Arkansas

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

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Lincoln, AR Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Lincoln, Arkansas

Insurance Company Average Annual Rates
Allstate $4,738
Farmers $4,047
GEICO $2,885
Liberty Mutual $3,807
Nationwide $3,751
Progressive $4,753
State Farm $2,548
Travelers $5,541
USAA $2,179

Other Factors Affecting Lincoln, AR Car Insurance Rates

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

Lincoln, AR Commute Time

How does your Lincoln, AR commute time compare with the average driver? In Lincoln, the average commute is 34.5 minutes.

Lincoln, AR Traffic

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

Lincoln, AR Car Insurance Quotes

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