Best Lincoln, ME Car Insurance in 2024
Car insurance in Lincoln, ME averages $208 a month. Lincoln, Maine car insurance requirements are 50/100/25, but you might need full coverage insurance if your car is financed. To find cheap Lincoln car insurance rates, compare quotes from the top car insurance companies in Lincoln, ME.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Lincoln, ME after a DUI are $2,961/year
- The cheapest car insurance company in Lincoln is USAA
- Average car insurance rates in Lincoln, ME are $2,498/year
If you need to buy Lincoln, Maine car insurance, the options can be confusing. Everything you need to know about car insurance in Lincoln, ME is right here.
You’ll find Lincoln car insurance rates, the cheapest Lincoln, ME car insurance companies, and information on Maine car insurance laws. You can also compare Lincoln, Maine car insurance rates to Bangor car insurance rates, Augusta car insurance rates, and Westbrook car insurance rates.
Ready to find affordable Lincoln, ME car insurance today? Enter your ZIP code for fast, free Lincoln car insurance quotes.
Cheapest Lincoln, ME Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lincoln, ME car insurance rates? Every Lincoln, Maine car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Lincoln, Maine
| 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 | $1,782 | $1,839 | $1,596 | $1,733 | $4,384 | $5,857 | $1,948 | $2,184 |
| Farmers | $1,631 | $1,645 | $1,518 | $1,640 | $4,911 | $5,535 | $1,894 | $1,968 |
| Geico | $989 | $1,024 | $989 | $989 | $2,397 | $3,119 | $1,078 | $1,152 |
| Liberty Mutual | $3,026 | $3,026 | $2,881 | $2,881 | $6,444 | $9,650 | $3,026 | $4,267 |
| Progressive | $1,799 | $1,763 | $1,799 | $1,763 | $7,464 | $8,390 | $2,100 | $2,379 |
| State Farm | $1,229 | $1,229 | $1,154 | $1,154 | $3,871 | $4,818 | $1,367 | $1,501 |
| Travelers | $1,022 | $1,063 | $928 | $951 | $4,055 | $5,472 | $1,024 | $1,189 |
| USAA | $849 | $838 | $844 | $826 | $2,770 | $3,059 | $1,080 | $1,138 |
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Minimum Car Insurance in Lincoln, ME
Every driver must carry the minimum car insurance in Lincoln, ME. Take a look at the Maine car insurance requirements.
Minimum Required Car Insurance Coverage in Lincoln, Maine
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $50,000 per person $100,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Lincoln, ME Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lincoln, ME. Compare credit history car insurance rates in Lincoln from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Lincoln, Maine
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,352 | $2,549 | $2,095 |
| Farmers | $3,007 | $2,481 | $2,290 |
| Geico | $1,974 | $1,309 | $1,117 |
| Liberty Mutual | $6,126 | $3,969 | $3,104 |
| Progressive | $3,885 | $3,325 | $3,086 |
| State Farm | $2,971 | $1,775 | $1,375 |
| Travelers | $2,308 | $1,893 | $1,687 |
| USAA | $1,871 | $1,286 | $1,119 |
Cheapest Lincoln, ME Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lincoln, ME to rates for a clean record with top companies.
Annual Lincoln, Maine Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,187 | $2,946 | $3,066 | $2,463 |
| Farmers | $2,272 | $2,890 | $2,508 | $2,701 |
| Geico | $1,066 | $1,501 | $2,235 | $1,066 |
| Liberty Mutual | $3,409 | $3,989 | $6,502 | $3,699 |
| Progressive | $2,754 | $4,640 | $3,062 | $3,272 |
| State Farm | $1,855 | $2,226 | $2,040 | $2,040 |
| Travelers | $1,639 | $1,820 | $2,273 | $2,120 |
| USAA | $1,085 | $1,426 | $1,998 | $1,192 |
Cheapest Lincoln, ME Car Insurance for Teen Drivers
Teen car insurance in Lincoln, ME can be expensive. Take a look at rates from the top car insurance companies in Lincoln for teenagers.
Annual Car Insurance Rates for Teen Drivers in Lincoln, Maine
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $4,384 | $5,857 |
| Farmers | $4,911 | $5,535 |
| Geico | $2,397 | $3,119 |
| Liberty Mutual | $6,444 | $9,650 |
| Progressive | $7,464 | $8,390 |
| State Farm | $3,871 | $4,818 |
| Travelers | $4,055 | $5,472 |
| USAA | $2,770 | $3,059 |
Cheapest Lincoln, ME Car Insurance for Seniors
Take a look at Lincoln, ME senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Lincoln, Maine
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,596 | $1,733 |
| Farmers | $1,518 | $1,640 |
| Geico | $989 | $989 |
| Liberty Mutual | $2,881 | $2,881 |
| Progressive | $1,799 | $1,763 |
| State Farm | $1,154 | $1,154 |
| Travelers | $928 | $951 |
| USAA | $844 | $826 |
Cheapest Lincoln, ME Car Insurance Rates After a DUI
A DUI in Lincoln, ME increases car insurance rates. Compare Lincoln, Maine DUI car insurance by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Lincoln, Maine
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,066 |
| Farmers | $2,508 |
| Geico | $2,235 |
| Liberty Mutual | $6,502 |
| Progressive | $3,062 |
| State Farm | $2,040 |
| Travelers | $2,273 |
| USAA | $1,998 |
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Cheapest Lincoln, ME Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lincoln, ME by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Lincoln, Maine
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $2,665 | $2,665 |
| Farmers | $2,593 | $2,593 |
| Geico | $1,443 | $1,491 |
| Liberty Mutual | $4,309 | $4,491 |
| Progressive | $3,432 | $3,432 |
| State Farm | $1,974 | $2,107 |
| Travelers | $1,963 | $1,963 |
| USAA | $1,385 | $1,465 |
The Best Cheap Car Insurance Companies in Lincoln, ME
Take a look at a side-by-side comparison of the top car insurance companies in Lincoln, ME to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Lincoln, Maine
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,665 |
| Farmers | $2,593 |
| Geico | $1,467 |
| Liberty Mutual | $4,400 |
| Progressive | $3,432 |
| State Farm | $2,040 |
| Travelers | $1,963 |
| USAA | $1,425 |
Category Winners: Cheapest Car Insurance in Lincoln, Maine
Find the cheapest car insurance companies in Lincoln, ME for each category right here.
Best Annual Car Insurance Rates by Company in Lincoln, Maine
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | Geico |
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Cheapest Lincoln, ME Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Lincoln car insurance rates. Find the cheapest Lincoln, ME car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Lincoln, Maine
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,631 | $2,632 | $2,733 |
| Farmers | $2,503 | $2,520 | $2,755 |
| Geico | $1,439 | $1,448 | $1,514 |
| Liberty Mutual | $4,352 | $4,352 | $4,497 |
| Progressive | $3,370 | $3,377 | $3,548 |
| State Farm | $1,995 | $2,021 | $2,105 |
| Travelers | $1,934 | $1,937 | $2,019 |
| USAA | $1,398 | $1,409 | $1,468 |
What affects car insurance rates in Lincoln, Maine?
What factors can have an impact on Lincoln, ME car insurance? There are several reasons why Lincoln car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lincoln, Maine.
Commute Time in Lincoln
The more time you spend in your car the higher the risk of an accident. The average commute length in Lincoln, ME is 36.7 minutes according to City-Data.
Traffic in Lincoln
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lincoln, ME traffic data from INRIX ranks Lincoln as the 59th-most congested in the world.
Compare Car Insurance Quotes in Lincoln, ME
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Frequently Asked Questions
What factors determine car insurance rates in Lincoln, ME?
Several factors influence car insurance rates in Lincoln, ME. The key factors include your driving history, age, gender, the type of vehicle you drive, your credit score, the coverage limits you choose, and the deductible amount you select. Additionally, factors specific to your location, such as crime rates, population density, and accident statistics, can also impact insurance rates.
How can I compare car insurance rates in Lincoln, ME?
To compare car insurance rates in Lincoln, ME, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, driving history, and coverage preferences.
- Research insurance companies: Look for reputable insurance providers that operate in Lincoln, ME.
- Request quotes: Contact different insurance companies or use online platforms to obtain quotes based on your information.
- Compare rates and coverage: Review the quotes received, considering both the premium amounts and the coverage options provided.
- Evaluate customer reviews and satisfaction ratings: Check customer feedback and ratings to gauge the quality of service provided by each insurer.
- Choose the best option: Select an insurance policy that offers the coverage you need at a competitive rate.
Are car insurance rates in Lincoln, ME higher than average?
Car insurance rates in Lincoln, ME can vary depending on several factors, including your individual circumstances and the insurance company you choose. While rates in Lincoln, ME may differ from the national or state average, it is essential to compare rates from multiple insurers to get an accurate understanding of the costs specific to your situation.
Can I lower my car insurance rates in Lincoln, ME?
Yes, there are several ways you can potentially lower your car insurance rates in Lincoln, ME:
- Maintain a clean driving record: Avoid accidents and traffic violations.
- Opt for a higher deductible: Choosing a higher deductible amount can lower your premium, but keep in mind that you’ll pay more out of pocket in the event of a claim.
- Bundle policies: Consider bundling your car insurance with other policies, such as home or renters insurance, as many insurers offer discounts for multiple policies.
- Improve your credit score: A good credit score can help reduce insurance premiums.
- Explore discounts: Inquire about available discounts, such as safe driver discounts, student discounts, or discounts for installing safety features in your vehicle.
Are there any specific car insurance requirements in Lincoln, ME?
Yes, like all states in the U.S., Maine has specific car insurance requirements. In Lincoln, ME, drivers must carry liability insurance coverage with the following minimum limits:
- $50,000 for bodily injury or death per person
- $100,000 for bodily injury or death per accident
- $25,000 for property damage per accident
How often should I compare car insurance rates in Lincoln, ME?
It’s a good idea to compare car insurance rates in Lincoln, ME at least once a year or whenever you experience a significant change in your circumstances, such as getting a new vehicle, moving to a different address, or experiencing changes in your credit score or driving record. Regularly reviewing your options can help ensure you’re getting the best coverage at the most competitive rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.