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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Lincoln City, OR are $280/month
  • Average car insurance rates in Lincoln City, OR for senior drivers are $1,961/year
  • The annual number of car thefts in Lincoln City is 35.

Average car insurance rates in Lincoln City, Oregon are $280 a month. But with a little research you can get a great deal from the top car insurance companies in Lincoln City, OR. Before you buy Lincoln City, Oregon car insurance, make sure your coverage meets or exceeds the Oregon minimum of 25/50/20.

It may even be helpful to compare Lincoln City car insurance rates with Hillsboro car insurance rates, Salem car insurance rates, or Corvallis car insurance rates to make sure you’re getting the best Lincoln City, OR car insurance quotes available.

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

Lincoln City, OR Minimum Car Insurance Coverage

Lincoln City, Oregon law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lincoln City, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Lincoln City, OR Car Insurance Rates by Coverage Level

Some Lincoln City drivers can get by with the Oregon minimum coverage of 25/50/20. Other drivers may need more. See how much your Lincoln City, Oregon car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lincoln City, Oregon

Insurance Company Low Medium High
Allstate $4,341 $4,504 $4,697
American Family $3,592 $3,803 $3,400
Farmers $3,291 $3,456 $3,749
GEICO $2,910 $3,193 $3,424
Liberty Mutual $4,028 $4,263 $4,525
Nationwide $2,971 $3,196 $3,175
Progressive $3,322 $3,428 $3,583
State Farm $2,494 $2,646 $2,785
Travelers $2,549 $2,701 $2,895
USAA $2,534 $2,651 $2,760

Lincoln City, OR Car Insurance Rates by Age, Gender, and Marital Status

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

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

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 $2,950 $2,747 $2,693 $2,723 $8,880 $9,913 $3,094 $3,111
American Family $2,362 $2,362 $2,105 $2,105 $5,847 $9,162 $2,362 $2,481
Farmers $1,972 $1,924 $1,745 $1,854 $7,938 $8,089 $2,205 $2,262
GEICO $2,354 $2,273 $2,197 $2,215 $6,119 $5,577 $2,507 $2,163
Liberty Mutual $2,727 $2,879 $2,363 $2,625 $8,774 $9,487 $2,644 $2,676
Nationwide $2,192 $2,185 $1,952 $2,043 $5,014 $6,275 $2,555 $2,694
Progressive $1,830 $1,658 $1,593 $1,639 $7,893 $8,691 $2,183 $2,063
State Farm $1,579 $1,579 $1,444 $1,444 $4,985 $6,261 $1,791 $2,052
Travelers $1,789 $1,804 $1,611 $1,676 $5,006 $6,068 $1,868 $1,900
USAA $1,646 $1,598 $1,628 $1,571 $5,025 $5,398 $2,119 $2,203

Lincoln City, OR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Lincoln City, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,880 $9,913
American Family $5,847 $9,162
Farmers $7,938 $8,089
GEICO $6,119 $5,577
Liberty Mutual $8,774 $9,487
Nationwide $5,014 $6,275
Progressive $7,893 $8,691
State Farm $4,985 $6,261
Travelers $5,006 $6,068
USAA $5,025 $5,398

Lincoln City, OR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Lincoln City, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,693 $2,723
American Family $2,105 $2,105
Farmers $1,745 $1,854
GEICO $2,197 $2,215
Liberty Mutual $2,363 $2,625
Nationwide $1,952 $2,043
Progressive $1,593 $1,639
State Farm $1,444 $1,444
Travelers $1,611 $1,676
USAA $1,628 $1,571

Lincoln City, OR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Lincoln City, Oregon

Insurance Company Poor Fair Good
Allstate $5,925 $4,173 $3,445
American Family $4,569 $3,370 $2,856
Farmers $4,060 $3,305 $3,131
GEICO $3,831 $3,176 $2,520
Liberty Mutual $6,236 $3,707 $2,872
Nationwide $3,761 $2,988 $2,591
Progressive $3,865 $3,347 $3,120
State Farm $3,689 $2,353 $1,883
Travelers $3,391 $2,660 $2,094
USAA $3,973 $2,212 $1,761

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Lincoln City, OR Car Insurance Rates by Driver History

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

Annual Lincoln City, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,636 $4,899 $5,080 $4,441
American Family $2,504 $3,835 $4,845 $3,210
Farmers $2,951 $3,796 $3,713 $3,534
GEICO $2,089 $3,332 $4,398 $2,883
Liberty Mutual $3,788 $4,237 $4,860 $4,202
Nationwide $2,641 $2,828 $3,999 $2,987
Progressive $2,601 $4,735 $3,346 $3,093
State Farm $2,345 $3,057 $2,582 $2,582
Travelers $2,203 $2,815 $3,158 $2,685
USAA $1,923 $2,687 $3,732 $2,251

Lincoln City, OR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Lincoln City, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,080
American Family $4,845
Farmers $3,713
GEICO $4,398
Liberty Mutual $4,860
Nationwide $3,999
Progressive $3,346
State Farm $2,582
Travelers $3,158
USAA $3,732

Lincoln City, OR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Lincoln City, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,514 $4,514
American Family $3,543 $3,653
Farmers $3,498 $3,498
GEICO $3,124 $3,228
Liberty Mutual $4,272 $4,272
Nationwide $3,114 $3,114
Progressive $3,444 $3,444
State Farm $2,574 $2,710
Travelers $2,607 $2,824
USAA $2,573 $2,724

Lincoln City, OR Cheapest Car Insurance Rates

How do the top Lincoln City, Oregon car insurance companies’ average rates stack up against the Lincoln City average monthly car insurance rates of $280? Take a look and see.

Best Annual Car Insurance Rates by Company in Lincoln City, Oregon

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

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Lincoln City, OR Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Lincoln City, Oregon

Insurance Company Average Annual Rates
Allstate $4,514
American Family $3,598
Farmers $3,498
GEICO $3,176
Liberty Mutual $4,272
Nationwide $3,114
Progressive $3,444
State Farm $2,642
Travelers $2,715
USAA $2,648

Other Factors Affecting Lincoln City, OR Car Insurance Rates

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

Lincoln City, OR Car Theft Rates

The car theft rate in Lincoln City, OR will affect your car insurance rates. FBI data shows that the annual car theft rate for Lincoln City, Oregon is 35 stolen cars.

Lincoln City, OR Commute Time

How does your Lincoln City, OR commute time compare with the average driver? In Lincoln City, the average commute is 18.1 minutes.

Lincoln City, OR Car Insurance Quotes

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