Lincoln, CA Car Insurance

Compared to their surrounding area, how do rates in Lincoln stack up? What about against the rest of California? What should residents of Lincoln expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Lincoln?

As you can see in the chart above, it costs about the same to insure your vehicle in Lincoln as it does in the rest of California.

Similarly, the expected monthly payments for an auto insurance policy in Lincoln are below the national average. It's about $27 cheaper to insure your vehicle in Lincoln compared to the average rate for the U.S. as a whole.

Although these are the average monthly costs for an auto insurance policy in Lincoln, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Lincoln so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates climb back up a bit in Lincoln.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. In Lincoln, this difference shakes out to about $7 a month. As you can see in the chart above, car insurance for women in the area typically costs around $50 each month, while men pay $57 on average.

Average Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Lincoln with a single accident on their record will usually see rates around $64 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $63.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Lincoln are typically SUVs, which run about $45 per month.

Car owners will see rates of about $57, while truck and van owners by and large pay around $50 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. The most expensive vehicles to insure in Lincoln are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Lincoln, with married couples paying about $9 less per month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing status. If you rent your home or apartment in Lincoln, expect to pay around $10 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Lincoln, CA

Recent trends in car insurance for Lincoln drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of insurance in Lincoln rose from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $56 a month

How does Lincoln compare to neighboring areas?

Why are car insurance rates in Lincoln different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Area crime rates
• Road Safety (frequency of car accidents)
• Area laws
• Amount of drivers in the community
• Access to off-street parking

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Lincoln?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing plans in Lincoln.

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Lincoln Insurance FAQs

What factors affect car insurance quotes in Lincoln?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Lincoln different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Lincoln?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lincoln?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Lincoln or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.