LINCOLN AUTO INSURANCE Reviews 2023: All you need to know

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What if you live in Chicago and need a car insurance provider? Lincoln Auto Insurance is here and they got you covered.

For over 55 years, Lincoln Insurance Agency has provided affordable auto insurance to the Chicagoland area. They will work with you regardless of your budget to ensure you’re not driving without insurance! 

The company is one of the major auto insurance firms in the Chicago area. It has a huge number of customer service representatives standing by to accept your call when you need assistance. 

Also, assistance will be rendered whether it’s to modify your policy or to assist you after an accident. 

They also offer SR22 insurance to assist you keep or reinstate your driver’s license.

According to 811 google reviews, the company has a 4.3 rating out of 5 stars. This is really impressive.

In this article you will get to see all you need to know about this company.

About Lincoln Auto Insurance

Illinois drivers have trusted Lincoln Insurance Agency, a Chicago auto insurance company, since 1955. They have been providing them with low-cost auto insurance. 

Lincoln has given out more than one million policies to drivers who were looking for good and cheap car insurance. These plans met the needs of drivers. As one of Chicago’s oldest and most trusted insurance agencies, the goal is to give customers the best service possible. No matter how big or small their needs are. 

Lincoln’s licensed insurance agents want to make sure you get the best policies at the best prices possible. Their customer service representatives are always ready to help you get car insurance for the first time and change your coverage. Also, help you get help after a car accident, no matter what.

No matter where you live, you need to have car insurance. It not only protects you and your loved ones, but it’s also required by law to do so. That’s why at Lincoln Auto Insurance, they know that finding cheap car insurance in Chicago can be hard work. 

There is a lot to think about when it comes to figuring out what you need and finding the best deal. But if you have Lincoln Auto on your side, the process of insuring your car has never been more simple.

What are Lincoln Auto Insurance Coverage Options?

Below are the coverage options available at the company;

Property Damage Liability Insurance

The cost of repairing or replacing property damaged by another person is covered by Property Damage Liability Insurance.  

Insurance for property damage liability is required by law in the majority of states. Typically, It covers you if you are at fault for a car accident that causes damage to another vehicle or property. This includes a fence or building front. You will be assisted in covering the cost of repairs. 

In most cases, Your vehicle damage is not covered by property damage liability Insurance.

Liability coverage for bodily injury or wrongful death

This is similar to the above, but different in the sense that it only covers for injured victims.

This pays for damages if the insured is found to be responsible for the injuries or death of another person.  

Body injury liability coverage covers for the medical expenses of those who are injured. This is as a result of an automobile accident in which you are at fault. In the event that you are sued for damages, this coverage can also assist you in covering the cost of legal defense.

Medical Expenditures

This coverage pays for medical expenses incurred as a result of injuries sustained by you. Also your passengers, or the driver of the covered automobile. 

Underinsured and uninsured motorist coverage 

This pays for medical expenditures incurred as a result of a collision caused by another driver. Especially a driver who does not have adequate insurance to cover all of the damages. 

Collision Coverage

This Insurance pays for the cost of damage to an insured vehicle when the insured party is at fault in an accident. 

Comprehensive Insurance

This type of coverage pays for expenses incurred as a result of damage to the covered car. Damages caused by any means other than an accident. This includes theft, bad weather, falling tree limbs, and other unforeseen events.

Additional Coverage Options

Below are the additional coverage options by this company;

Rental Reimbursement

Insurance that pays for a rental car is known as Rental Reimbursement coverage. When your car is being repaired after an accident, this is extremely important. 

You can get extra insurance that pays for your rental car while your own car is being repaired after a covered accident. Rental Reimbursement can be bought as an extra. You can usually keep the rental car until your damaged car is back on the road. 

In addition,you can also keep it until your insurance policy runs out, whichever comes first, but it’s not always the case.

Roadside Assistance

Covers the cost of towing and other roadside services if your vehicle breaks down on the side of the road. 

Roadside Assistance Cover is an extra cover that comes with your Car Insurance Plan. When your car breaks down, this cover is your best friend. This assistance coverage is meant to help and pay for the costs of a broken down or disabled car. 

However, Contacting your roadside assistance provider when your car has a problem is easy. You can do this either through an app or by calling the company’s help line. They will then send someone to help you with your car trouble. 

Also, It means that when your car breaks down in the middle of the road, a professional technician comes to your aid. 

Umbrella Policy

If your liability limitations have been reached, you may want to consider purchasing an umbrella policy to provide additional liability coverage.

You should understand that Umbrella insurance is extra insurance that protects you beyond the limits and coverages of your other policies. People who have umbrella insurance can get coverage for things like injuries, property damage, some lawsuits, and personal liability situations.

Lincoln Auto Insurance Discounts

Below are some of the discounts you may be entitled to at Lincoln;

Anti-Theft Device Discount

If your vehicle is equipped with qualified anti-theft devices, you will be eligible for this discount. 

First, what is an anti-theft device? An anti-theft device is meant to keep the car or any of its parts from being stolen. It can be original equipment from the manufacturer, or it can be something that was made by someone else. 

Furthermore, This discount is for drivers who have taken the extra step to secure their car. The cost of your Comprehensive Coverage will go down if your car has an anti-theft device. You will also get a discount. 

The truth is , most car insurance companies give a 2.5% discount on the price of the policy if the car has an anti-theft device. This discount can go up to $6.55. If your car is damaged in an accident, you can get a discount on your insurance. 

However, the discount is only for damage to your car and not for the cost of third-party insurance.

Anti-Lock Brakes Discount

This discount is available to those who drive vehicles equipped with anti-lock brakes.

A common safety feature called anti-lock brakes (ABS) can save you money on your car insurance. Anti-lock brakes are standard on most cars today.  Most insurance companies will give you a discount if you have them on. This is a simple way to save money on your car insurance. Safety features can help you get a better deal. 

Insurance Discount for Active or Passive Restraint Devices

If you insure an automobile that has active or passive restraint devices, you will receive this discount.Taking advantage of the discount may be one concept that most drivers might explore while looking for ways to save money on their vehicle insurance.

Benefits of Lincoln Auto Insurance

Below are some of the benefits you get to enjoy from this company:

Low Cost SR22 Insurance Quotes

If you have certain offenses or distinctions on your driving record, SR22 insurance may be required. While the process may appear complicated, Lincoln Auto can help you receive your SR22 insurance fast and without any surprises. 

If your driver’s license has been revoked or suspended, you may require SR22 insurance. Agents at Lincoln Insurance Agency specialize in SR22 insurance at a low cost. 

Your SR22 will be sent to the Secretary of State’s office electronically by the company. 

However, the company will assist you in getting back on the road as soon as possible. Especially if you need SR22 insurance filed quickly to keep or reinstate your driver’s license.

Payment Options That Are Simple 

They make paying your insurance a breeze! Make a payment online or over the phone by transferring funds from your checking account to Lincoln! You can also set up automated monthly payments to “set it and forget it.” Lincoln has a payment option that is simple and convenient for you. 

Also, pay with a credit card or debit card using Lincoln’s AUTOMATED TELEPHONE PAYMENT SYSTEM. This system is available 24 hours a day, seven days a week. Please remember to bring your account number with you. 

However, If you don’t have your account number, simply follow the simple instructions to make your payment without it. Call 312-666-8800, press 1, then 4 on the next menu. It’s simple!

Call Lincoln Auto Insurance customer service to speak with a knowledgeable agent about our auto insurance policies, driver discounts, and SR-22 insurance.

Lincoln Auto Insurance reviews

Below are some of the reviews about the company;

Brittany Collins

“Delia assisted me with my account. I needed to renew my insurance. She was very quick with getting my information, and called back almost immediately with a quote. She was very nice and took care of everything I needed. Appreciate you !”

Terrencex Muhammad

“I’ve called several times and the last few times I’ve called I’ve worked with Mattie. She was very helpful each time I’ve called she even recalled the conversations we had. I’ve never been disappointed whenever I’ve called keep up the great work.”


Lincoln has been providing low-cost auto insurance to Chicago customers with convenience, care, and flexibility for over 65 years. The company has made it their mission to keep Chicago drivers safe, compliant, and covered on the city’s roads, which are the lifeblood of the city.


Where Can I Obtain A Lincoln Motor Company Insure Policy?

You can receive a quote and obtain a policy by starting a new quote here. If you already have your eligible 2020 or newer model-year Lincoln vehicle, you can receive a quote and obtain a Lincoln Motor Company Insure policy in the Lincoln Way app.

What is Lincoln Auto Insurance phone number?

You can reach the company through; +1 888-419-0676.

What is Lincoln Auto Insurance Address?

The company is located at 855 W Washington Blvd, Chicago, IL 60607, United States.

What is the company’s overall rating?

The company is currently rated 4.3 on google overall out of 5.



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