Cheapest Car Insurance Quotes in Lincoln Park

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Lincoln Park Car Insurance

^$ 55

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lincoln Park

The car insurance rate in Lincoln Park is $2092 for a six-month policy, which is $768 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $779, making it a popular choice for budget-conscious drivers. Rates in Lincoln Park can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lincoln Park

$2092

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Lincoln Park

1st place: Travelers

At $779 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $995 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1079 for six months, making it the third cheapest auto insurance company in Lincoln Park.

Lincoln Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lincoln Park, MI is Travelers, offering policies at just $779 for a six-month term. This is followed by USAA, which has an average six-month premium of $995.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1286 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lincoln Park drivers find the best deals.

Cheap Car Insurance Companies in Lincoln Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$779	$131
USAA	$995	$167
Encompass	$1079	$183
Auto-Owners Insurance Co	$1108	$185
Chubb	$1164	$198
Farm Bureau Ins of MI	$1370	$229
Auto-Owners	$1436	$242
AAA	$1446	$243
Pioneer State Mutual Ins Co	$1492	$254
Progressive	$1529	$258
Westfield	$1858	$313
Farm Bureau	$2656	$442
Pioneer State Mutual	$2891	$491
State Farm	$3087	$520
Frankenmuth	$3285	$559
Bristol West	$3707	$618
Allstate	$2844	$483
Farmers	$5762	$980
Hastings Mutual	$1286	$215

Key Takeaways

Way's key takeaways about car insurance in Lincoln Park

The auto insurance costs in Lincoln Park fall around $779 for six months.
The cheapest auto insurance company in Lincoln Park is Travelers.
Teen drivers pay the highest rate in Lincoln Park at $1526 per month.

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Cheapest Minimum Liability Car Insurance in Lincoln Park

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lincoln Park are given below.

Travelers provides the cheapest minimum car insurance coverage in Lincoln Park. Their Average 6 Month Premium is $329. Farmers is the most expensive at $2994 for the same period.

Cheapest Liability Coverage in Lincoln Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$329	$55
Westfield	$348	$58
USAA	$412	$70
Encompass	$450	$76
Chubb	$479	$82
Auto-Owners Insurance Co	$517	$85
Auto-Owners	$572	$96
Progressive	$648	$109
AAA	$657	$112
Farm Bureau Ins of MI	$667	$111
Farm Bureau	$836	$142
Pioneer State Mutual	$845	$141
Frankenmuth	$995	$169
State Farm	$1539	$259
Bristol West	$1548	$264
Allstate	$1210	$205
Farmers	$2994	$499

Cheapest Full Coverage Car Insurance in Lincoln Park

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lincoln Park is Travelers at $131 per month and $779 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lincoln Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$779	$131
USAA	$995	$167
Encompass	$1079	$183
Auto-Owners Insurance Co	$1108	$185
Chubb	$1164	$198
Farm Bureau Ins of MI	$1370	$229
Auto-Owners	$1436	$242
AAA	$1446	$243
Pioneer State Mutual Ins Co	$1492	$254
Progressive	$1529	$258
Westfield	$1858	$313
Farm Bureau	$2656	$442
Pioneer State Mutual	$2891	$491
State Farm	$3087	$520
Frankenmuth	$3285	$559
Bristol West	$3707	$618
Allstate	$2844	$483
Farmers	$5762	$980
Hastings Mutual	$1286	$215

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Average Car Insurance in Lincoln Park by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lincoln Park, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Lincoln Park, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lincoln Park's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lincoln Park

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Lincoln Park,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Lincoln Park at $65 per month. At $9159 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$386	$65
Westfield	$412	$70
Encompass	$450	$76
Chubb	$536	$92
Auto-Owners Insurance Co	$562	$93
Grange	$732	$125
USAA	$1586	$267
Auto-Owners	$1989	$335
AAA	$2582	$435
Progressive	$3642	$613
Farm Bureau	$4336	$722
Pioneer State Mutual	$5086	$864
Frankenmuth	$6062	$1011
State Farm	$8523	$1449
Allstate	$6157	$1048
Farmers	$26429	$4494
Bristol West	$9159	$1526

Teen Car Insurance Rates in MI by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lincoln Park, Travelers is the cheapest car insurance provider. At $629 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lincoln Park is Farm Bureau Ins of MI, offering rates of around $1989 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$629	$104
Encompass	$648	$111
Progressive	$910	$152
Westfield	$957	$163
Auto-Owners Insurance Co	$1014	$169
Pioneer State Mutual Ins Co	$1239	$210
Grange	$1567	$261
Farm Bureau Ins of MI	$1989	$338

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Car Insurance Rates with An Accident in Lincoln Park

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lincoln Park, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lincoln Park

The cheapest car insurance companies after an at-fault accident in Lincoln Park include Chubb and Westfield, offering $479 and $507, respectively. Pioneer State is an expensive provider with an average six-month premium of $751.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$479	$82
Westfield	$507	$84
Auto-Owners Insurance Co	$591	$101
Encompass	$667	$111
Farm Bureau Ins of MI	$788	$134
Pioneer State Mutual Ins Co	$872	$145
Travelers	$929	$156
USAA	$1210	$204
Progressive	$1436	$242
Auto-Owners	$1670	$281
AAA	$1989	$335
Farm Bureau	$3247	$542
Pioneer State Mutual	$3463	$589
State Farm	$3914	$653
Frankenmuth	$4223	$719
Allstate	$4533	$755
Farmers	$8099	$1378
Pioneer State	$751	$125

Lincoln Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lincoln Park MI. For example, the car insurance in Lincoln Park after a DUI increases to $3792 for a six month policy. While the rate increases by $2065 for a six-month policy in the case of a speeding ticket.

Lincoln Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2065	$344
Failure to wear a seat belt	$2449	$417
Cell phone violation	$2599	$433
Texting while driving	$2599	$442
Illegal turn	$2609	$435
Wrong way/wrong lane	$2609	$444
Speeding in school zone	$2647	$441
Driving with expired registration	$2665	$453
Failure to stop at a red light	$2694	$449
Improper passing	$2694	$458
Speeding 16 - 20 MPH over limit	$2994	$499
Open container	$3528	$600
Driving with a suspended license	$3952	$659
Racing	$5096	$866
Reckless driving	$5538	$923
Leaving scene of an accident/hit and run	$5679	$965
DUI	$5857	$976

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lincoln Park after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lincoln Park.

The cheapest car insurance premiums in Lincoln Park are offered by Chubb at $479 for a six-month policy. However, it can be as expensive as $14790 with companies like Allstate.

Lincoln Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$479	$79
Auto-Owners Insurance Co	$1267	$215
Grange	$1277	$213
Farmers	$1296	$220
Progressive	$1427	$240
Pioneer State Mutual Ins Co	$1539	$262
USAA	$1708	$288
Travelers	$1887	$321
Auto-Owners	$3051	$514
Westfield	$3106	$523
AAA	$3425	$577
Bristol West	$4392	$747
Pioneer State Mutual	$5528	$921
Farm Bureau	$6503	$1106
State Farm	$8044	$1354
Frankenmuth	$14557	$2476
Allstate	$14790	$2465

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lincoln Park are offered by Westfield at $412. However, it can be as expensive as $18668 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lincoln Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$412	$70
Chubb	$479	$79
Encompass	$507	$87
Travelers	$619	$103
Auto-Owners Insurance Co	$657	$112
Farm Bureau Ins of MI	$939	$156
Grange	$995	$169
Auto-Owners	$1248	$209
USAA	$1277	$216
AAA	$1615	$269
Farm Bureau	$1670	$284
Pioneer State Mutual	$1839	$307
Progressive	$1877	$316
Frankenmuth	$3004	$501
State Farm	$5462	$929
Allstate	$3707	$630
Farmers	$18668	$3174

Car Insurance Price Trends in Lincoln Park, Michigan

Car insurance rates in Lincoln Park have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lincoln Park dipped by $332 in January compared to $423 of December. In other words, there has been an decrease by $91 when you compare January and December.

The average cost of liability insurance in the Lincoln Park dipped to $117 in January, compared to $141 in December. This represents an decrease of $24 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lincoln Park?

The car insurance in Lincoln Park is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Lincoln Park?

The cheapest car insurance in Lincoln Park is $131 per month for full coverage.

How much is car insurance in Lincoln Park for teenagers?

Car insurance for teenagers costs $386 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lincoln Park?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $352 per month to insure your car in Lincoln Park.

Is car insurance expensive in Lincoln Park?

Car insurance can be expensive in Lincoln Park if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lincoln Park can be affordable.

Cheapest Car Insurance Quotes in Lincoln Park

Why you can trust Way?

How Much Is Car Insurance in Lincoln Park

Avg. Car Insurance in Lincoln Park

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Lincoln Park

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Lincoln Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Lincoln Park, MI

Way's key takeaways about car insurance in Lincoln Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lincoln Park

Cheapest Liability Coverage in Lincoln Park, MI

Cheapest Full Coverage Car Insurance in Lincoln Park

Cheapest Full Coverage Car Insurance Quotes in Lincoln Park, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lincoln Park by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lincoln Park, MI increasing?

Car Insurance Premiums by Age in Lincoln Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lincoln Park,MI

If you are in your twenties N/A is the best choice for car insurance in Lincoln Park.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lincoln Park

Cheapest Car Insurance Companies after an At-Fault Accident in Lincoln Park

Lincoln Park Car Insurance Rates by Violation

Lincoln Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lincoln Park after a DUI

Lincoln Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lincoln Park after Speeding ticket

Car Insurance Price Trends in Lincoln Park, Michigan

Average Car Insurance Cost in Lincoln Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lincoln Park, MI

Car Insurance Rates by State in the USA (2025 Update)

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