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Get Cheap Car Insurance in Lincoln, San Rafael, CA
We monitor insurance prices, helping the average driver in Lincoln save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Lincoln
The chart below shows the cheapest car insurance company in Lincoln for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Lincoln Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of Lincoln Driver
Based on our extensive insurance data, we know the average Lincoln driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $645 per year by choosing the right vehicle insurance company. Some Lincoln residents are paying out over $2,018 extra every year for auto insurance in Lincoln. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lincoln, San Rafael, CA Savings / Yr. |
|---|---|
$645 |
|
$1,182 |
|
$935 |
|
$1,642 |
|
$843 |
|
$366 |
|
$0 |
Lincoln Car Insurance vs. San Rafael
People living in Lincoln pay an average of 0.51% more than the typical driver in the state. The average driver in Lincoln can expect to pay about $945 per year, or $2,018 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Lincoln for most people.
Car Insurance Prices by Lincoln Neighborhood
Insurance Prices
Where is insurance cheapest within Lincoln?
The map shows insurance prices in and around Lincoln, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $69 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,024 to a low of $1,955. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the West parts of Lincoln.Pick the Best Car Insurance Company for You in Lincoln
The best car insurance provider for most drivers in Lincoln
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $645 over the average Lincoln car insurance company.
The best car insurance provider for Lincoln drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,182 over the competition.
The best car insurance company for Lincoln drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $935 better than other car insurance companies.
The best auto insurance for Lincoln drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,642 less each year.
The least expensive car insurance company for new and young drivers in Lincoln
In Lincoln, State Farm costs young drivers $843 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lincoln
Progressive gave the largest car insurance discounts to married couples, averaging $366 saved each year compared to an average Lincoln couple's premiums.
The cheapest car insurance in Lincoln for drivers with bad credit
The best Lincoln car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lincoln
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Lincoln driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Lincoln, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Lincoln
What Influences the Cost of Car Insurance in Lincoln?
On average, car insurance in Lincoln is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lincoln are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Lincoln is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Lincoln is $79 per month for minimum coverage and $168 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Northgate: Insurance costs 0.15% more
- Terra Linda: Insurance costs 0.69% less
- Marinwood: Insurance costs 0.40% less
- Point Richmond: Insurance costs 8.82% more
- Atchison Woods: Insurance costs 18.88% more
- Iron Triangle: Insurance costs 19.13% more
- Belding Woods: Insurance costs 16.95% more
- Coronado: Insurance costs 19.18% more
- North and East: Insurance costs 13.48% more
- Fairmede-Hilltop: Insurance costs 17.94% more
Neighborhoods with Similar Populations
- Old Town: Insurance costs 14.07% less
- Moncrief Park: Insurance costs 46.98% more
- Monfort Heights South: Insurance costs 43.11% less
- Moon Lake Estates: Insurance costs 34.99% more
- Morningside: Insurance costs 28.49% less
- North Lake Waco: Insurance costs 15.51% less
- North Village: Insurance costs 46.78% less
- Northeast Heights: Insurance costs 15.51% less
- Northgate Area: Insurance costs 2.28% less
- Northhampton: Insurance costs 5.05% less