Cheapest Car Insurance Quotes in Lincolnia

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Lincolnia Car Insurance

^$ 33

/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 Lincolnia

The car insurance rate in Lincolnia is $798 for a six-month policy, which is $160 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $460, making it a popular choice for budget-conscious drivers. Rates in Lincolnia 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 Lincolnia

$798

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Lincolnia

1st place: Virginia Farm Bureau

At $460 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $564 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $571 for six months, making it the third cheapest auto insurance company in Lincolnia.

Lincolnia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lincolnia, VA is Virginia Farm Bureau, offering policies at just $460 for a six-month term. This is followed by American Family, which has an average six-month premium of $564.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1440 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lincolnia drivers find the best deals.

Cheap Car Insurance Companies in Lincolnia, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$460	$79
American Family	$564	$94
Auto-Owners Insurance Co	$571	$98
Cincinnati	$579	$96
Nationwide	$654	$110
Erie	$698	$118
Travelers	$750	$126
State Farm	$795	$133
USAA	$861	$145
Farm Bureau	$929	$155
Mercury	$973	$164
Progressive	$1099	$184
Allstate	$1440	$245

Key Takeaways

Way's key takeaways about car insurance in Lincolnia

The auto insurance costs in Lincolnia fall around $460 for six months.
The cheapest auto insurance company in Lincolnia is Virginia Farm Bureau.
Teen drivers pay the highest rate in Lincolnia at $884 per month.

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Cheapest Minimum Liability Car Insurance in Lincolnia

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 Lincolnia are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Lincolnia. Their Average 6 Month Premium is $193. Nationwide is the most expensive at $624 for the same period.

Cheapest Liability Coverage in Lincolnia, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$193	$33
American Family	$215	$36
Cincinnati	$260	$44
Travelers	$283	$48
Auto-Owners Insurance Co	$290	$49
Mercury	$298	$50
Farm Bureau	$311	$53
USAA	$311	$53
Erie	$349	$59
State Farm	$379	$64
Progressive	$483	$80
Allstate	$624	$106
Nationwide	$624	$104

Cheapest Full Coverage Car Insurance in Lincolnia

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 Lincolnia is Virginia Farm Bureau at $79 per month and $460 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lincolnia, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$460	$79
American Family	$564	$94
Auto-Owners Insurance Co	$571	$98
Cincinnati	$579	$96
Nationwide	$654	$110
Erie	$698	$118
Travelers	$750	$126
State Farm	$795	$133
USAA	$861	$145
Farm Bureau	$929	$155
Mercury	$973	$164
Progressive	$1099	$184
Allstate	$1440	$245

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Average Car Insurance in Lincolnia 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 Lincolnia, VA increasing?

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

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

Car Insurance Premiums by Age in Lincolnia

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$813
30s	Virginia Farm Bureau	$613
40s	USAA	$571
50s	USAA	$536
60s	USAA	$564
70s	USAA	$895

Cheapest Car Insurance Rates for Teen Drivers in Lincolnia,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Lincolnia at $33 per month. At $5301 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$193	$33
Farm Bureau	$245	$41
Mercury	$260	$44
American Family	$283	$48
Travelers	$290	$49
Auto-Owners Insurance Co	$334	$56
Erie	$1121	$189
USAA	$1448	$244
State Farm	$2576	$434
Nationwide	$3260	$544
Allstate	$3786	$644
Progressive	$5301	$884

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Lincolnia.

As young drivers face the highest rates in Lincolnia, USAA offers the cheapest auto insurance rates at $813 for six months.

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 Lincolnia, Mercury is the cheapest car insurance provider. At $275 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 Lincolnia is Nationwide, offering rates of around $528 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$275	$46
Virginia Farm Bureau	$290	$49
Travelers	$445	$74
Cincinnati	$475	$81
Nationwide	$528	$88

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Car Insurance Rates with An Accident in Lincolnia

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 Lincolnia, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lincolnia

The cheapest car insurance companies after an at-fault accident in Lincolnia include AutoOwners Insurance Co and Virginia Farm Bureau, offering $268 and $268, respectively. Encompass is an expensive provider with an average six-month premium of $601.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$268	$45
Virginia Farm Bureau	$268	$45
American Family	$283	$48
Cincinnati	$341	$58
Farm Bureau	$349	$59
Travelers	$356	$60
Mercury	$394	$65
Electric	$475	$81
USAA	$669	$113
Erie	$743	$125
State Farm	$839	$141
Nationwide	$1419	$241
Progressive	$1886	$314
Allstate	$2435	$414
Encompass	$601	$103

Lincolnia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lincolnia VA. For example, the car insurance in Lincolnia after a DUI increases to $1172 for a six month policy. While the rate increases by $245 for a six-month policy in the case of a speeding ticket.

Lincolnia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1174	$195
One Med/PIP claim	$1174	$200
Not-at-fault accident	$1218	$203
Two Med/PIP claims	$1255	$214
One comp claim	$1270	$211
Two comp claims	$1329	$226
Failure to show documents	$1336	$223
Driving without lights	$1359	$231
Child safety restraint	$1366	$228
Driving with expired registration	$1381	$235
Failure to wear a seat belt	$1396	$233
Cell phone violation	$1411	$240
Driving too slowly	$1411	$235
Failure to yield	$1411	$240
Speeding in school zone	$1411	$235
Texting while driving	$1411	$240
Wrong way/wrong lane	$1411	$235
Failure to stop at a red light	$1419	$241
Following too closely	$1419	$236
Illegal turn	$1419	$241
Improper passing	$1419	$236
Speeding 6 - 10 MPH over limit	$1419	$241
Speeding 16 - 20 MPH over limit	$1433	$239
Speeding 11 - 15 MPH over limit	$1440	$245
Passing school bus	$1485	$248
In 65 MPH zone	$1538	$261
Open container	$1559	$260
Speeding 21 - 25 MPH over limit	$1559	$265
At-fault accident - less than $1000	$1604	$268
Operating a vehicle without permission	$1723	$293
At-fault accident - $1000-$2000	$1745	$291
At-fault accident - greater than $2000	$1745	$296
Reckless driving	$2124	$354
Racing	$2280	$388
DUI	$2346	$391
Refusal to submit to a chemical test	$2346	$399
Driving with a suspended license	$2465	$411
Leaving scene of an accident/hit and run	$2465	$419

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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 Lincolnia 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 Lincolnia.

The cheapest car insurance premiums in Lincolnia are offered by Virginia Farm Bureau at $238 for a six-month policy. However, it can be as expensive as $2043 with companies like Allstate.

Lincolnia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$238	$40
Mercury	$268	$45
Farm Bureau	$305	$51
Travelers	$394	$66
American Family	$424	$70
Auto-Owners Insurance Co	$460	$79
State Farm	$899	$151
USAA	$1010	$170
Progressive	$1545	$258
Erie	$1581	$269
Nationwide	$1738	$290
Allstate	$2043	$348

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 Lincolnia are offered by Mercury at $275. However, it can be as expensive as $371 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Lincolnia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$275	$46
Virginia Farm Bureau	$283	$48
American Family	$290	$49
Auto-Owners Insurance Co	$298	$50
Cincinnati	$298	$50
Travelers	$319	$54
Erie	$349	$59
State Farm	$371	$63

Car Insurance Price Trends in Lincolnia, Virginia

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

The average cost of full coverage in the Lincolnia rose by $113 in December compared to $109 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Lincolnia rose to $58 in December, compared to $55 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lincolnia?

The car insurance in Lincolnia is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Lincolnia?

The cheapest car insurance in Lincolnia is $79 per month for full coverage.

How much is car insurance in Lincolnia for teenagers?

Car insurance for teenagers costs $193 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 Lincolnia?

The average cost of car insurance is $638 for a six-month policy. It will cost around $134 per month to insure your car in Lincolnia.

Is car insurance expensive in Lincolnia?

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

Cheapest Car Insurance Quotes in Lincolnia

Why you can trust Way?

How Much Is Car Insurance in Lincolnia

Avg. Car Insurance in Lincolnia

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Lincolnia

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Lincolnia Car Insurance Rates by Company

Cheap Car Insurance Companies in Lincolnia, VA

Way's key takeaways about car insurance in Lincolnia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lincolnia

Cheapest Liability Coverage in Lincolnia, VA

Cheapest Full Coverage Car Insurance in Lincolnia

Cheapest Full Coverage Car Insurance Quotes in Lincolnia, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lincolnia by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lincolnia, VA increasing?

Car Insurance Premiums by Age in Lincolnia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lincolnia,VA

If you are in your twenties USAA is the best choice for car insurance in Lincolnia.

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 Lincolnia

Cheapest Car Insurance Companies after an At-Fault Accident in Lincolnia

Lincolnia Car Insurance Rates by Violation

Lincolnia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lincolnia after a DUI

Lincolnia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lincolnia after Speeding ticket

Car Insurance Price Trends in Lincolnia, Virginia

Average Car Insurance Cost in Lincolnia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lincolnia, VA

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

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