A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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, RI for senior drivers are $2,762/year
  • The cheapest car insurance company in Lincoln after a DUI is State Farm
  • The annual number of car thefts in Lincoln is 22.

Average car insurance rates in Lincoln, Rhode Island are $436 a month. But with a little research you can get a great deal from the top car insurance companies in Lincoln, RI. Before you buy Lincoln, Rhode Island car insurance, make sure your coverage meets or exceeds the Rhode Island minimum of 25/50/25.

It may even be helpful to compare Lincoln car insurance rates with Wood River Junction car insurance rates, Ashaway car insurance rates, or Misquamicut car insurance rates to make sure you’re getting the best Lincoln, RI car insurance quotes available.

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

Lincoln, RI Minimum Car Insurance Coverage

Lincoln, Rhode Island 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, Rhode Island

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, RI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lincoln, Rhode Island

Insurance Company Low Medium High
Allstate $5,030 $5,273 $5,560
GEICO $5,690 $5,945 $6,235
Liberty Mutual $5,694 $6,013 $6,448
Nationwide $4,466 $4,351 $4,155
Progressive $4,962 $5,239 $5,613
State Farm $2,591 $2,730 $2,881
Travelers $7,635 $7,663 $7,277
USAA $4,484 $4,695 $4,895

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

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

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 $4,247 $4,180 $4,209 $4,391 $7,396 $8,775 $4,467 $4,634
GEICO $3,561 $3,650 $3,650 $3,568 $11,120 $14,560 $3,691 $3,855
Liberty Mutual $3,887 $3,887 $3,705 $3,705 $9,397 $14,662 $3,887 $5,284
Nationwide $2,817 $2,863 $2,478 $2,627 $7,361 $9,465 $3,347 $3,635
Progressive $2,668 $2,531 $2,450 $2,435 $11,996 $13,498 $3,263 $3,328
State Farm $1,729 $1,729 $1,527 $1,527 $4,794 $6,393 $1,902 $2,273
Travelers $1,807 $1,829 $1,842 $1,833 $18,938 $30,030 $1,860 $2,060
USAA $2,240 $2,214 $2,145 $2,100 $10,526 $12,021 $3,067 $3,218

Lincoln, RI Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Lincoln, Rhode Island

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,396 $8,775
GEICO $11,120 $14,560
Liberty Mutual $9,397 $14,662
Nationwide $7,361 $9,465
Progressive $11,996 $13,498
State Farm $4,794 $6,393
Travelers $18,938 $30,030
USAA $10,526 $12,021

Lincoln, RI Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Lincoln, Rhode Island

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,209 $4,391
GEICO $3,650 $3,568
Liberty Mutual $3,705 $3,705
Nationwide $2,478 $2,627
Progressive $2,450 $2,435
State Farm $1,527 $1,527
Travelers $1,842 $1,833
USAA $2,145 $2,100

Lincoln, RI Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Lincoln, Rhode Island

Insurance Company Poor Fair Good
Allstate $6,636 $5,090 $4,136
GEICO $6,675 $5,791 $5,404
Liberty Mutual $7,959 $5,285 $4,911
Nationwide $5,017 $4,130 $3,825
Progressive $5,899 $5,136 $4,780
State Farm $3,675 $2,482 $2,045
Travelers $7,892 $7,355 $7,328
USAA $6,966 $3,954 $3,155

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Lincoln, RI Car Insurance Rates by Driver History

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

Annual Lincoln, Rhode Island Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,581 $5,378 $6,080 $5,110
GEICO $3,847 $5,069 $10,074 $4,837
Liberty Mutual $5,603 $6,473 $6,528 $5,603
Nationwide $3,991 $4,395 $4,770 $4,140
Progressive $4,299 $6,830 $4,829 $5,127
State Farm $2,532 $3,341 $2,532 $2,532
Travelers $6,747 $6,978 $8,690 $7,684
USAA $3,405 $4,633 $7,113 $3,615

Lincoln, RI Car Insurance Rates With a DUI

Even a single DUI can increase your Lincoln, RI 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, Rhode Island

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,080
GEICO $10,074
Liberty Mutual $6,528
Nationwide $4,770
Progressive $4,829
State Farm $2,532
Travelers $8,690
USAA $7,113

Lincoln, RI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lincoln, RI 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, Rhode Island

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,254 $5,320
GEICO $5,835 $6,078
Liberty Mutual $5,855 $6,248
Nationwide $4,324 $4,324
Progressive $5,271 $5,271
State Farm $2,651 $2,817
Travelers $7,525 $7,525
USAA $4,647 $4,736

Lincoln, RI Cheapest Car Insurance Rates

How do the top Lincoln, Rhode Island car insurance companies’ average rates stack up against the Lincoln average monthly car insurance rates of $436? Take a look and see.

Best Annual Car Insurance Rates by Company in Lincoln, Rhode Island

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

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Lincoln, RI Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Lincoln, Rhode Island

Insurance Company Average Annual Rates
Allstate $5,287
GEICO $5,957
Liberty Mutual $6,052
Nationwide $4,324
Progressive $5,271
State Farm $2,734
Travelers $7,525
USAA $4,692

Other Factors Affecting Lincoln, RI Car Insurance Rates

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

Lincoln, RI Car Theft Rates

The car theft rate in Lincoln, RI will affect your car insurance rates. FBI data shows that the annual car theft rate for Lincoln, Rhode Island is 22 stolen cars.

Lincoln, RI Traffic

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

Lincoln, RI Car Insurance Quotes

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