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Cheapest car insurance in Lincoln, Illinois (Nov 2024)
Cheapest car insurance in Lincoln, Illinois (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Lincoln, Illinois.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Cheapest Car Insurance Quotes in Lincoln
- Cheapest Lincoln car insurance for good drivers
- Best Car Insurance Companies in Lincoln
- Best cheap car insurance quotes in Lincoln
- Average cost of car insurance in Lincoln
- Car insurance quotes in Lincoln by rating factors
- How do different factors impact your car insurance costs in Lincoln?
- Cheap car insurance quotes in Lincoln after driving violations
- Cheap car insurance quotes in Lincoln by age
- Cheap car insurance quotes in Lincoln based on insurance history
- Cheap car insurance quotes in Lincoln for popular cars
- How to lower car insurance costs in Lincoln
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
Cheapest Car Insurance Quotes in Lincoln
On average, auto insurance in Lincoln costs about $69 per month for minimum coverage liability insurance and about $146 per month for full coverage insurance. Lincoln drivers pay -- than the average.
Finding
cheap car insurance in Illinois
can be Ill-annoying!—sorry, I’ll show myself out. Lame jokes aside, if there was a single best car insurance company in Lincoln, everyone would have heard of it by now. The truth is that the best auto insurance policy varies from driver to driver, and you need to compare tons of quotes to find the coverage and the price you want.
The bonus truth is that
Jerry
makes it easy to find and compare cheap car insurance
quotes for free. All it takes is 45 seconds to sign up and less than a minute to receive the five to seven most competitive offers in your area. So skip the stress of shopping and go straight to the savings!| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $222 | Eula, 58 Zip: 62656 | Hyundai Veloster | • 50,000/100,000 Liability • Comp / Collision |
| The General | $92 | Cory, 27 Zip: 62656 | KIA Sorento EX | • State Minimum Liability |
| Dairyland | $189 | Mason, 30 Zip: 62656 | Chevrolet Malibu Premier | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest Lincoln car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Lincoln can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Nathaniel, 21 | 66 | 20% | No |
|
Roberto, 34 | 94 | 37% | No |
|
Angel, 44 | 70 | 19% | No |
|
Danny, 54 | 90 | 29% | No |
|
Michael, 64 | 85 | 24% | No |
|
Best Car Insurance Companies in Lincoln
If you wanted to find the best rates in Lincoln, you'd have to compare hundreds of insurance providers and thousands of coverage options...but we've done all the research for you!
To discover the best of the best, Jerry conducted one of the nation's largest shopping surveys.
We found that
State Farm
, Allstate
, Country Insurance, Travelers
, and Assurant held the biggest market shares in Illinois. However, they didn’t necessarily earn the highest ratings. Because every car insurance provider calculates premiums differently, the best insurance policy varies from driver to driver.
You’ll have to compare quotes from at least three companies while shopping for auto insurance to find what works for you.
The table below shows how drivers in Lincoln rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.9 | 4.1 | 4.4 |
| Allstate | 4.4 | 3.6 | 4.2 | 4.7 |
Liberty Mutual | 4.2 | 4 | N/A | 4.2 |
| State Farm | 3.9 | 3.7 | 2.8 | 4.1 |
| Geico | 3.7 | 2.9 | 4.2 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Lincoln
Illinois car insurance laws
require every driver—including those in Lincoln—to carry liability car insurance
and Uninsured Motorist/Underinsured Motorist (UM/UIM) bodily injury coverage
. Liability insurance covers the costs of treating anyone you injure in an at-fault accident and repairing (or replacing) any property you damage. However, UM/UIM bodily injury coverage covers the medical expenses of you and your passengers if they exceed the at-fault driver’s coverage limits.
Cheap minimum liability insurance quotes in Lincoln
The minimum liability coverage requirements in Lincoln, Illinois, follow a 25/50/20 (plus 25/50) rule.
To put it simply, you'll need a policy that covers at least:
- $50,000 of bodily injury liability coverage per accident
- $25,000 of UM/UIM bodily injury coverage per person
- $50,000 of UM/UIM bodily injury coverage per accident
By sticking with the minimum required liability coverage, you’ll probably pay the lowest rates. Jerry helps Lincoln drivers find low rates for no-frills coverage.
Clearcover
Maurice (50 years old)
$64
per month
Marion (51 years old)
$68
per month
Cory (27 years old)
$92
per month
Do you need more than minimum coverage in Lincoln?
In Lincoln, drivers should consider topping up their liability coverage beyond the state's minimum requirement of 25/50/20.
The state minimum coverage requirements provide a lot of protection, but medical and repair bills tend to add up.
If you cause a car accident and the injured party’s expenses exceed your coverage limits, you’ll have to pay the rest out of pocket. They also have the right to sue you in a personal injury lawsuit for up to two years after the accident, according to
Illinois’s car accident laws
.The bottom line: Doubling your liability and UM/UIM coverage limits won’t double your rates, but it’ll provide better financial protection in the event of a serious car accident.
Cheap full coverage car insurance quotes in Lincoln
Full-coverage car insurance
isn't required by law, but it provides coverage for repairs to (or a replacement of) your vehicles.- Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object.
- Comprehensive coverage also covers the costs of repairing or replacing your car but it only applies to damages caused by theft, vandalism, or natural disasters.
If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Lincoln.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $222 | Eula, 58 Zip: 62656 | Hyundai Veloster |
• State Minimum Liability • Comp / Collision | Dairyland | $189 | Mason, 30 Zip: 62656 | Chevrolet Malibu Premier |
• State Minimum Liability • Comp / Collision | The General | $161 | Lela, 54 Zip: 62656 | Nissan Altima 2.5 |
Last Updated Nov 21, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Lincoln
In helping hundreds of Lincoln drivers find cheaper rates, we found the average cost for minimum liability coverage to be $69 per month or $829 per year.
The average cost for full coverage insurance in Lincoln is $146 per month or $1,758 per year.
While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors. Car insurance rates are determined by your driver profile, driving record, and claims history, among other things.
Your actual costs could be hundreds of dollars higher than the average—or, if you use a quote-comparison app, hundreds of dollars less.
Compare car insurance costs in other states
Car insurance quotes in Lincoln by rating factors
Insurance companies in Lincoln use many rating factors when
calculating your auto insurance premium
: - Your driving record and claims history: Accidents and tickets will increase your insurance rates.
- Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
- Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
- Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
- Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.
How do different factors impact your car insurance costs in Lincoln?
How do different factors impact your car insurance costs in Lincoln?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Lincoln currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Lincoln:
Cheap car insurance quotes in Lincoln after driving violations
Your
Illinois driving record
plays a large role in deciding your car insurance rates. For one, the number of driver violation points on your driver’s license can add quite a few dollars to your monthly premiums.Some car insurance companies will work with a high-risk driver profile, while others won't, particularly if you received a serious conviction for a DUI or reckless driving in Illinois.
Cheapest car insurance in Lincoln after speeding ticket
Even a single
Illinois speeding ticket
can raise your insurance rates by an average of about 13%. If you have multiple speeding tickets or you were ticketed for going well above the speed limit, your rates could go up even more.Some providers are more forgiving of violations like speeding tickets. By working with a broker like Jerry, you’re more likely to come across an insurer that will offer you more affordable car insurance after a ticket.
Check out real rates drivers in Illinois achieved using Jerry.
Last Updated Nov 24, 2024Cheapest car insurance in Lincoln after DUI
- Fine of up to $2,500
- Jail sentence of up to one year
- Driver’s license suspension of at least one year
- Community service sentence of up to 100 hours
The penalties become more severe for subsequent DUI offenses.
On top of the legal consequences, you’ll also see significantly higher car insurance costs—but Jerry can help you find lower rates. Just look at some of the cheaper coverage these drivers found using the Jerry app.
Nellie (38 years old)
$65
per month
Willie (30 years old)
$81
per month
Cheapest car insurance in Lincoln after an at-fault accident
If you need another reason to keep a
clean driving record
, keep in mind that high-risk drivers pay higher car insurance rates. Even multiple small, at-fault car accidents can add up to a significant price premium.So if you’re wondering why your rates are so high, first check your
Illinois driving record
—and then download Jerry to compare quotes and find a better plan.| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $143 | Barbara, 28 Zip: 62656 | KIA Borrego LX | • State Minimum Liability • Comp / Collision |
Not At Fault | Mercury | $103 | Mabelle, 51 Zip: 62656 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Clearcover | $123 | Wesley, 28 Zip: 62656 | KIA Borrego LX | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Lincoln after other driving violations
Most traffic violations increase your insurance rates, such as driving without a license, stunt driving, or reckless driving in Illinois. If you’re stuck with a ticket and unaffordable coverage, here’s where to look in Lincoln:
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $118 | Harry, 51 Zip: 62656 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Progressive | $146 | Travis, 29 Zip: 62656 | Chevrolet Malibu Premier | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Clearcover | $97 | Dorothy, 51 Zip: 62656 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
Improper Passing | Progressive | $146 | Linnie, 29 Zip: 62656 | Chevrolet Malibu Premier | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheap car insurance quotes in Lincoln by age
Car insurance rates start high, drop, and then rise again. Teen drivers pay more, middle-aged drivers pay less, and senior drivers pay more again—although not as much as when they were new to the road.
If you fall outside the ideal bracket for car insurance savings (25 to 75), here’s what you can do:
Cheapest car insurance in Lincoln for young drivers
Teen drivers between the ages of 16 and 19 are statistically more likely to get into an accident, so they pay the highest rates of any age group.
The best way to keep costs low for
young drivers
is to keep them on their parents’ policy for as long as possible—and shop with Jerry to find the most affordable coverage for teen drivers in Calumet Park.Here are some recent rates given to young drivers in Illinois on Jerry.
Walter (24 years old)
$158
per month
Cheapest car insurance in Lincoln for senior drivers
Senior drivers may be more likely to get into car accidents due to slowed reaction times and vision and hearing changes. They’re also more likely to be seriously injured if they do get into a collision. Because of that, insurance companies often charge higher rates for senior drivers.
To find the
best senior car insurance
, look for a company that rewards drivers for safe driving or keeping low mileage on their vehicles. Also, prioritize a company with good customer service.With Jerry, not only can you safe on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process. The cards below show how much senior drivers pay each month for coverage with the Jerry app.
Jared (69 years old)
$73
per month
Agnes (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Lincoln, IL (Zip Code: 62656)
$63
per month
Cheap car insurance quotes in Lincoln based on insurance history
Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a
car insurance lapse can raise your insurance rates
.With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in Lincoln.
Bobby (38 years old)
$133
per month
Clearcover
Linnie (49 years old)
$64
per month
Carlos (26 years old)
$109
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Needed to make adjustments to my finances and expenses. Saved me money and time
Joann
They have great pricing and coverage!
Christina
Great insurance I've had so far great helpful employees
Sallie
Great coverage for a great price!
Jaime
Cheap car insurance quotes in Lincoln for drivers with poor credit
Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers in Lincoln will see their insurance rates increase if their credit score is 550 or less.
Compared to their poor credit counterparts, Lincoln drivers with a high credit score pay almost 20% less for car insurance! However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.
Check out some real rates drivers in Illinois received after signing up with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $133 | Martha, 38 Zip: 62656 | Hyundai Elantra SEL | • State Minimum Liability • Comp / Collision |
< 550 | Clearcover | $98 | Timothy, 53 Zip: 62656 | Nissan Altima 2.5 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheap car insurance quotes in Lincoln for popular cars
The type of car you drive helps determine your annual insurance premiums. A model with good safety ratings, driver-assistive technology, and vehicle anti-theft systems costs less to insure. If it’s cheap to repair, then so much the better!
Here are the five most popular models on Lincoln’s roads:
MORE: How different kinds of cars affect your car insurance rates
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 | Allstate | $60 | Marc, 32 Zip: 62656 | • 100,000/300,000 Liability |
| Chevrolet Chevrolet_silverado | Nationwide | $63 | Katharine, 33 Zip: 62656 | • 100,000/300,000 Liability |
Last Updated Nov 23, 2024How to lower car insurance costs in Lincoln
1. Shop around and compare quotes
You can't get the best deal on auto insurance without comparing quotes from at least three different companies. Experts recommend comparison
shopping for car insurance quotes
every six months.Take a look at the most competitive plans in five minutes or less with Jerry. Download the app, sign up, and get five to seven quotes delivered straight to your phone. It’s the best money you’ll never spend—because our five-star-rated app is free!
2. Hunt for car insurance discounts
Getting the right
car insurance discount
can transform a good rate into a great one. You could save by joining a program for:- Good drivers. If you’ve held aclean driving recordfor at least three years, you’re due for some sweet discounts.
- Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
- Insurance bundlers. Bundle your car and home insurance and you could pay less for each of them.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Lincoln so expensive?
- Congestion: Because driving in Lincoln incurs a higher risk of dents, dings, and cracked windows than driving in the countryside, insurance rates are higher, too.
- Motor vehicle theft: Similar to congestion, high motor vehicle theft rates in Lincoln lead insurance providers to increase your premiums.
- Fatality rates: Around one quarter of the fatalcar crashes in Illinois in 2021happened on urban roads. Because of the high costs associated with motor vehicle fatalities, Lincoln drivers pay higher rates.
FAQ
How much is car insurance in Lincoln?
People living in Lincoln pay on average $72 per month – or $869 per year – on state-minimum liability coverage. Full coverage in Lincoln costs on average $152 per month of $1,820 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Lincoln?
Based on thousands of Lincoln drivers Jerry has worked with, car insurance in Lincoln costs an average of $72 per month for state-minimum coverage and $152 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Lincoln?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Founders,
State Auto
, and Travelers
receive good ratings from Lincoln drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
What is the minimum car insurance in Lincoln, Illinois?
The state-minimum car insurance in Lincoln, Illinois is as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
These coverages are commonly referred to as 25/50/20 coverage.
Additionally, Illinois drivers must also carry at least $25,000 per person / $50,000 per accident in uninsured/underinsured motorist coverage (UM/UIM).
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.