why you can trust the marketwatch guides team the marketwatch guides team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle because consumers rely on us to provide objective and accurate information we created a comprehensive rating system to formulate our rankings of the best car insurance companies we collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors after 800 hours of research the end result was an overall rating for each provider with the insurers that scored the most points topping the list learn more about our methodology how much is car insurance in lincoln calif our data shows that the average cost of minimumcoverage insurance in lincoln is 46 per month or 556 per year this is about 12 less than the national average of 52 per month or 625 per year similarly fullcoverage insurance costs 169 per month or 2031 per year on average which is about 2 more expensive than the national average of 167 per month or 2008 per year for full coverage geico offers the cheapest liability insurance with average rates of 25 per month or 305 per year usaa is the secondcheapest option in lincoln with average rates of 34 per month or 403 per year liability coverage is the minimum coverage required by the state of california according to california law all drivers must either meet or exceed the following minimum insurance requirements car insurers in california aren’t allowed to use a driver’s age gender or credit score to set their premium cost in lincoln your zip code and your claims history will still play a huge part in your final car insurance price this section will explore the cheapest car insurance coverage costs on average for different driving profiles in lincoln calif while california car insurance companies can’t use age to set rates they’ll still charge more for teenage drivers because teens are brandnew drivers who typically lack experience behind the wheel our data shows 16yearolds pay about 144 per month or 1726 per year for car insurance in lincoln as drivers move into their 20s and hit middle age the cost of car insurance decreases on average the chart below displays the average minimum coverage costs for car insurance in lincoln across different age groups auto insurance rates tend to spike for drivers who have gotten speeding tickets atfault car accidents or dui convictions on their record in recent years on average speeding can increase your rates by 29 an atfault accident by 60 and a dui by 141 different companies have different average price increases according to our research geico is the most affordable option for drivers with any violations on their record the table below shows average rates by company for drivers who have either a speeding ticket accident or dui on their record accidents tend to spike car insurance costs higher than speeding tickets do usaa and aaa are the cheapest options here with average rates of about 54 per month58 per month  respectively you can see some auto insurance companies charge significantly more for this amount for coverage after an accident a dui offense is a severe violation that may lead to a significant rise in your lincoln auto insurance premiums potentially increasing them by several hundred dollars per year mercury is very cheap compared to other companies it offers average rates of 62 per month748 per year for drivers with a dui geico kemper and usaa are also good options with rates under 102 per month on average