Lincoln Car Insurance: How Much Is Lincoln Insurance? 2026
The average monthly cost to insure a Lincoln is $251, totaling around $3,006 annually.
We’ve saved shoppers an average of $600 per year on their car insurance.
Lincoln, founded in 1917 and acquired by Ford in 1922, specializes in producing luxurious and sophisticated vehicles, including sedans and SUVs. The cost of insuring a Lincoln depends on several factors. Your age, driving record, and location play a major role in determining your car insurance premium. Insurance companies use this information to assess the risk of insuring your Lincoln. The average cost to insure a Lincoln is $3,006 per year.
How Much Does Lincoln Insurance Cost?
The average monthly cost to insure a Lincoln is $251, amounting to approximately $3,006 per year. However, your insurance premium can vary based on factors such as your age, location, driving history, and the specific Lincoln model you own.
Average Lincoln Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a Lincoln, across all models, is $3,006 per year.
The Lincoln Nautilus is the cheapest model to insure, at $2,547 per year. On the other hand, the Lincoln Aviator is the most expensive, at an average of $3,926 per year.
Use the table below to compare insurance rates for Lincoln models.
| Lincoln Model | Average Yearly Insurance Cost |
| Lincoln Aviator | $3,926 |
| Lincoln Continental | $2,998 |
| Lincoln Corsair | $2,635 |
| Lincoln MKZ | $2,980 |
| Lincoln Nautilus | $2,547 |
| Lincoln Navigator | $2,951 |
Remember that these figures are just averages, and the actual cost can vary depending on your location, age, driving history, and the coverage you choose.
Are Lincolns Expensive To Insure?
The national average monthly cost of car insurance is $160, whereas insuring a Lincoln averages $251 per month across all models—considerably higher. However, insurance premiums are typically determined by the specific car model rather than the brand, so it’s essential to review rates tailored to your vehicle.
Lincoln Aviator Insurance Cost
The average cost of insuring a Lincoln Aviator across all model years, is $2,147 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Lincoln Aviator | $4,987 |
| 2022 Lincoln Aviator | $1,208 |
| 2021 Lincoln Aviator | $1,284 |
| 2020 Lincoln Aviator | $1,111 |
Lincoln Continental Insurance Cost
The average cost of insuring a Lincoln Continental across all model years, is $1,469 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2021 Lincoln Continental | $2,130 |
| 2020 Lincoln Continental | $1,397 |
| 2019 Lincoln Continental | $1,316 |
| 2018 Lincoln Continental | $1,034 |
Lincoln Corsair Insurance Cost
The average cost of insuring a Lincoln Corsair across all model years, is $953 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Lincoln Corsair | $1,200 |
| 2022 Lincoln Corsair | $822 |
| 2021 Lincoln Corsair | $919 |
| 2020 Lincoln Corsair | $873 |
Lincoln MKZ Insurance Cost
The average cost of insuring a Lincoln MKZ across all model years, is $984 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2020 Lincoln MKZ | $1,296 |
| 2019 Lincoln MKZ | $959 |
| 2018 Lincoln MKZ | $995 |
| 2017 Lincoln MKZ | $826 |
| 2016 Lincoln MKZ | $848 |
Lincoln Nautilus Insurance Cost
The average cost of insuring a Lincoln Nautilus across all model years, is $1,354 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Lincoln Nautilus | $2,736 |
| 2022 Lincoln Nautilus | $1,174 |
| 2021 Lincoln Nautilus | $679 |
| 2020 Lincoln Nautilus | $826 |
Lincoln Navigator Insurance Cost
The average cost of insuring a Lincoln Navigator across all model years, is $1,971 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Lincoln Navigator | $4,475 |
| 2022 Lincoln Navigator | $2,034 |
| 2021 Lincoln Navigator | $679 |
| 2020 Lincoln Navigator | $1,454 |
| 2019 Lincoln Navigator | $1,213 |
Cheapest Car Insurance Companies For Lincoln
The cost of your Lincoln car insurance policy will depend on the company that you choose. State Farm offers the cheapest rates for insuring a Lincoln, at $1,461 per year.
Use the table below to compare cheap full-coverage rates for a Lincoln.
| Company | Average Annual Premium |
| State Farm | $1,461 |
| Progressive | $2,252 |
| Nationwide | $1,724 |
| Farmers | $2,535 |
| Geico | $1,764 |
Lincoln Car Insurance Cost – By Driver Age
The rates you pay to insure a Lincoln will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $10,181 |
| 18 | $9,489 |
| 19 | $8,385 |
| 20 | $7,317 |
| 21 | $6,119 |
| 22 | $5,963 |
| 23 | $5,221 |
| 24 | $4,971 |
| 25 | $4,277 |
| 30 | $3,327 |
| 35 | $3,114 |
| 40 | $3,000 |
| 45 | $2,924 |
| 55 | $2,683 |
| 65 | $2,802 |
| 75 | $3,528 |
Average Lincoln Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| Allstate | $255 |
| American Family | $149 |
| Amica | $127 |
| Auto-Owners | $115 |
| Chubb | $199 |
| Country Financial | $147 |
| Erie | $116 |
| Esurance | $188 |
| Farmers | $136 |
| GEICO | $118 |
| Nationwide | $129 |
| Progressive | $153 |
| State Farm | $134 |
| The Hartford | $202 |
| Travelers | $138 |
| USAA | $112 |
Average Lincoln Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $3,189 |
| Alaska | $1,949 |
| Arizona | $3,097 |
| Arkansas | $3,015 |
| California | $3,666 |
| Colorado | $3,216 |
| Connecticut | $4,802 |
| Delaware | $3,396 |
| Florida | $4,287 |
| Hawaii | $1,146 |
| Idaho | $2,348 |
| Illinois | $2,661 |
| Indiana | $2,519 |
| Iowa | $2,013 |
| Kansas | $2,802 |
| Kentucky | $4,202 |
| Louisiana | $5,100 |
| Maine | $1,775 |
| Maryland | $2,905 |
| Massachusetts | $2,313 |
| Michigan | $6,328 |
| Minnesota | $2,432 |
| Mississippi | $3,119 |
| Missouri | $2,829 |
| Montana | $2,719 |
| Nebraska | $2,264 |
| Nevada | $4,158 |
| New Hampshire | $2,711 |
| New Jersey | $3,054 |
| New Mexico | $2,790 |
| New York | $2,443 |
| North Carolina | $1,920 |
| North Dakota | $2,347 |
| Ohio | $2,171 |
| Oklahoma | $3,366 |
| Oregon | $3,429 |
| Pennsylvania | $2,616 |
| Rhode Island | $4,497 |
| South Carolina | $3,014 |
| South Dakota | $2,618 |
| Tennessee | $3,280 |
| Texas | $3,052 |
| Utah | $2,779 |
| Vermont | $1,964 |
| Virginia | $2,097 |
| Washington | $2,957 |
| West Virginia | $2,661 |
| Wisconsin | $2,625 |
| Wyoming | $2,603 |
| Georgia | $3,526 |
How To Save Money On Lincoln Car Insurance?
Owning a Lincoln comes with various expenses, and car insurance is one of the biggest. However, you can still find ways to save on your insurance. Here’s how:
Maintain a Clean Driving Record
Your driving history is crucial for insurance companies when determining your premium. By avoiding accidents and traffic tickets, you show insurers that you’re a low-risk driver, which can significantly lower your insurance costs.
Bundle Your Policies
Many insurers offer discounts if you combine multiple policies, like home and auto insurance. This not only simplifies managing your insurance but also saves you money on premiums.
Raise Your Deductible
Increasing your deductible—the amount you pay out of pocket before your insurance kicks in—can lower your premium. Just ensure you can afford the higher deductible if you have an accident.
Install Safety Features
Lincoln vehicles come with many safety features, but adding extras like anti-theft devices can further reduce your insurance costs by lowering the risk of theft and damage.
Take Advantage of Discounts
Insurance companies often offer discounts for things like being a good student, having a clean driving record, or completing a defensive driving course. Ask your insurer about any discounts you might qualify for.
Shop Around
Insurance premiums can vary widely between different providers. It’s important to compare quotes and choose the insurer that offers the best value for your needs.
Consider Usage-Based Insurance
If you don’t drive your Lincoln often, think about usage-based insurance. This type of policy bases your premium on how much you drive, potentially saving you money if your Lincoln isn’t your main vehicle.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results.
FAQs
What Is The Most Expensive Lincoln Model To Insure?
At $3,926 per year, the Lincoln Aviator is the most expensive Lincoln model for car insurance.
What Is The Cheapest Lincoln Model To Insure?
The Lincoln Nautilus is the cheapest model for car insurance, at $2,547 per year.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.