Lincoln Continental Car Insurance Cost 2025
Getting insurance for a Lincoln Continental costs $1,700 per year, on average. However, the exact cost can vary based on factors such as your age, the year of the car model, and other considerations. You can use our quote tables below to get an estimate of your specific costs.
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The average annual cost to insure a 2025 Lincoln Continental is approximately $1,700, though rates can range based on a variety of personal factors.
As a luxury sedan, the Continental features advanced safety systems and a refined build, which can help keep premiums relatively moderate when compared to more performance-oriented luxury vehicles. Insurance costs are influenced by elements like repair expenses, vehicle value, and safety ratings.
However, individual factors such as your age, driving record, ZIP code, and coverage choices will ultimately shape your rate. Shopping around and comparing quotes is key to securing the most affordable premium for your needs.
How Much Does Lincoln Continental Car Insurance Cost?
On average, Lincoln Continental drivers can expect to pay around $1,700 per year for car insurance.
Car insurance costs can vary significantly based on factors such as location, driving history, car model year, and coverage options. Maintaining a clean driving record can help lower premiums, while accidents or traffic violations may increase costs.
Urban areas with heavy traffic often have higher insurance rates compared to rural areas with lighter traffic. Additionally, the type of coverage you choose affects your premium—full coverage, which includes comprehensive and collision, generally costs more than basic liability insurance.
As shown in the table below, insuring a Lincoln Continental is more expensive than the average for all Lincoln models but still cheaper than the overall average for all cars. Insuranceopedia makes it easy to compare quotes from multiple providers, helping you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Lincoln Continental | $150 |
| All Lincolns | $158 |
| All Cars | $175 |
Average Insurance Cost Of Lincoln Continental By Model Year
| Model Year | Average Premium |
| 2025 Lincoln Continental | $2,073 |
| 2021 Lincoln Continental | $2,073 |
| 2020 Lincoln Continental | $1,360 |
| 2019 Lincoln Continental | $1,281 |
| 2018 Lincoln Continental | $1,006 |
| 2017 Lincoln Continental | $1,042 |
| 2016 Lincoln Continental | $1,110 |
| 2010 Lincoln Continental | $1,893 |
2025 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2025 Lincoln Continental is $2,073. However, State Farm offers the cheapest rates, averaging $1,394 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,394 |
| USAA | $1,862 |
| Travelers | $1,963 |
| Westfield | $1,974 |
| Motorists Mutual | $2,151 |
| Kentucky Farm Bureau | $2,220 |
| State Auto | $2,211 |
| Shelter | $2,304 |
| Allstate | $2,309 |
| Cincinnati Insurance | $2,346 |
2021 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2021 Lincoln Continental is $2,073. However, State Farm offers the cheapest rates, averaging $1,394 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,394 |
| USAA | $1,862 |
| Travelers | $1,963 |
| Westfield | $1,974 |
| Motorists Mutual | $2,151 |
| Kentucky Farm Bureau | $2,220 |
| State Auto | $2,211 |
| Shelter | $2,304 |
| Allstate | $2,309 |
| Cincinnati Insurance | $2,346 |
2020 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2020 Lincoln Continental is $1,360. However, American National P offers the cheapest rates, averaging $858 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $858 |
| Texas Farm Bureau Group | $937 |
| Titan | $1,130 |
| Farm Bureau Mutual (IA Group) | $1,247 |
| Capital Insurance Group | $1,273 |
| Virginia Farm Bureau | $1,291 |
| SECURA Insurance | $1,616 |
| North Carolina Farm Bureau | $1,725 |
| EMC Insurance | $1,747 |
| Safeco | $1,772 |
2019 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2019 Lincoln Continental is $1,281. However, American National P offers the cheapest rates, averaging $528 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $528 |
| SAFECO | $873 |
| Direct Auto | $923 |
| Victoria | $1,221 |
| Penn National | $1,320 |
| Capital Insurance Group | $1,375 |
| Tennessee Farmers | $1,399 |
| SECURA Insurance | $1,558 |
| West Bend Mutual | $1,809 |
| Clearcover | $1,800 |
2018 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2018 Lincoln Continental is $1,006. However, American National P offers the cheapest rates, averaging $657 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $657 |
| Kemper Auto | Infinity | $867 |
| Safety Group | $902 |
| Safeco | $964 |
| Pekin Insurance | $958 |
| Plymouth Rock Assurance | $1,025 |
| Capital Insurance Group | $1,065 |
| Buckeye Insurance Group | $1,197 |
| Norfolk and Dedham Group | $1,181 |
| Arbella Insurance Group | $1,244 |
Find Affordable Lincoln Continental Insurance Rates
2017 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2017 Lincoln Continental is $1,042. However, Safeco offers the cheapest rates, averaging $206 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $206 |
| American National P | $712 |
| American National P&C | $708 |
| Clearcover | $1,111 |
| Tennessee Farmers | $1,176 |
| Buckeye Insurance Group | $1,225 |
| Mercury Insurance | $1,298 |
| Farmers Mutual of Nebraska | $1,297 |
| Farm Bureau Mutual (IA Group) | $1,353 |
| Indiana Farmers Mutual Ins | $1,335 |
2016 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2016 Lincoln Continental is $1,110. However, Direct Auto offers the cheapest rates, averaging $1,110 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,110 |
2010 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2010 Lincoln Continental is $1,893. However, Direct General Insurance offers the cheapest rates, averaging $954 per year.
| Insurance Provider | Average Annual Cost |
| Direct General Insurance | $954 |
| Nationwide | $1,197 |
| Travelers | $1,414 |
| Metropolitan | $1,425 |
| Safe Auto | $4,473 |
Find Affordable Lincoln Continental Insurance Rates
Are Lincoln Continental Expensive To Insure?
Insuring a 2025 Lincoln Continental typically costs around $1,394 per year for full coverage, based on recent data. This premium is moderately priced compared to other luxury sedans, reflecting the vehicle’s blend of high-end features and safety technologies. Factors such as the Continental’s advanced safety systems and moderate repair costs contribute to its competitive insurance rates. However, actual premiums can vary depending on individual circumstances, including driving history, location, and selected coverage options. To obtain the most accurate and affordable rates, it’s advisable to compare quotes from multiple insurers and explore available discounts tailored to your profile.
Cost of Lincoln Continental Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers face the highest premiums due to their higher accident risk. However, as drivers gain experience and age, their insurance costs generally decrease since they are considered lower-risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,553 | $11,104 | $13,002 |
| 18 | $7,073 | $10,337 | $12,120 |
| 19 | $6,224 | $9,159 | $10,728 |
| 20 | $5,419 | $7,963 | $9,339 |
| 21 | $4,576 | $6,674 | $7,833 |
| 22 | $4,438 | $6,523 | $7,645 |
| 23 | $3,866 | $5,708 | $6,690 |
| 24 | $3,679 | $5,427 | $6,347 |
| 25 | $3,177 | $4,672 | $5,485 |
| 30 | $2,502 | $3,657 | $4,269 |
| 35 | $2,314 | $3,402 | $3,973 |
| 40 | $2,218 | $3,278 | $3,849 |
| 45 | $2,194 | $3,209 | $3,719 |
| 55 | $1,990 | $2,946 | $3,437 |
| 65 | $2,097 | $3,043 | $3,566 |
| 75 | $2,612 | $3,843 | $4,514 |
Lincoln Continental Car Insurance Rates By State
Your location significantly impacts your Lincoln Continental insurance rates. Each state has its own regulations, which affect pricing—for instance, Michigan drivers often pay higher premiums due to mandatory higher coverage levels.
Local climate conditions, such as hurricanes, storms, and flooding, also influence costs. Additionally, crime and accident statistics, including car thefts, crashes, and fatality rates in your area, are factored in by insurers when determining your specific premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,357 | $3,440 | $4,389 |
| Alaska | $1,946 | $2,723 | $2,635 |
| Arizona | $2,215 | $3,218 | $4,710 |
| Arkansas | $2,441 | $3,799 | $4,207 |
| California | $2,701 | $4,782 | $2,696 |
| Colorado | $2,526 | $3,540 | $4,459 |
| Connecticut | $3,215 | $5,013 | $6,358 |
| Delaware | $2,657 | $3,548 | $4,576 |
| Florida | $3,186 | $4,389 | $5,745 |
| Hawaii | $1,023 | $1,388 | $1,022 |
| Idaho | $1,808 | $2,399 | $2,904 |
| Illinois | $1,864 | $2,847 | $3,236 |
| Indiana | $1,940 | $2,947 | $3,320 |
| Iowa | $1,518 | $2,091 | $2,463 |
| Kansas | $2,050 | $2,973 | $3,467 |
| Kentucky | $2,926 | $4,306 | $5,094 |
| Louisiana | $3,770 | $5,719 | $6,206 |
| Maine | $1,447 | $1,965 | $2,899 |
| Maryland | $2,311 | $3,372 | $3,722 |
| Massachusetts | $1,846 | $3,218 | $1,868 |
| Michigan | $4,483 | $6,817 | $10,766 |
| Minnesota | $1,829 | $2,443 | $3,473 |
| Mississippi | $2,215 | $3,164 | $3,193 |
| Missouri | $2,098 | $3,012 | $3,952 |
| Montana | $2,116 | $2,952 | $3,442 |
| Nebraska | $1,789 | $2,652 | $2,887 |
| Nevada | $2,952 | $4,411 | $4,656 |
| New Hampshire | $2,055 | $3,254 | $4,121 |
| New Jersey | $2,267 | $3,589 | $4,654 |
| New Mexico | $2,318 | $3,444 | $3,603 |
| New York | $2,159 | $2,720 | $4,535 |
| North Carolina | $1,322 | $2,276 | $1,640 |
| North Dakota | $1,826 | $2,782 | $3,298 |
| Ohio | $1,638 | $2,512 | $2,576 |
| Oklahoma | $2,599 | $3,715 | $4,186 |
| Oregon | $2,385 | $3,164 | $3,775 |
| Pennsylvania | $1,979 | $2,946 | $3,429 |
| Rhode Island | $3,316 | $4,868 | $5,513 |
| South Carolina | $2,261 | $3,113 | $4,343 |
| South Dakota | $2,045 | $2,919 | $3,388 |
| Tennessee | $2,366 | $3,507 | $4,666 |
| Texas | $2,415 | $3,459 | $4,310 |
| Utah | $2,058 | $2,843 | $3,953 |
| Vermont | $1,585 | $2,412 | $2,555 |
| Virginia | $1,502 | $2,255 | $2,220 |
| Washington | $1,960 | $2,660 | $3,187 |
| West Virginia | $1,989 | $2,846 | $3,535 |
| Wisconsin | $1,962 | $3,083 | $3,524 |
| Wyoming | $1,820 | $2,578 | $2,719 |
| Georgia | $2,575 | $3,878 | $3,885 |
Find Affordable Lincoln Continental Insurance Rates
Cheapest Car Insurance Companies For A Lincoln Continental
Erie offers the most affordable coverage, with an estimated annual cost of $1,420, which breaks down to around $118 per month. Mercury is also budget-friendly, with a yearly premium of $1,530 or about $128 monthly. Nationwide comes in slightly higher at $1,720 annually, translating to $143 per month. GEICO provides coverage for approximately $1,780 per year, or $148 each month. USAA rounds out the list with an annual premium of $1,950, equating to $163 monthly.
| Insurance Company | Average Monthly |
| Erie | $118 |
| Mercury | $128 |
| Nationwide | $143 |
| GEICO | $148 |
| USAA | $163 |
Common Lincoln Continental Insurance Discounts
Taking advantage of discounts is an excellent way to reduce your car insurance costs. While each provider offers different savings, some common discounts to check for include:
- Multi-policy: Bundling your auto and home insurance with the same provider can result in lower rates.
- Pay annually: Paying your premium in full rather than in monthly installments often qualifies for a discount.
- Defensive driving: Completing a certified defensive driving course may make you eligible for reduced rates.
There may be additional discounts available based on your specific situation. It’s best to consult with your insurance provider to see which ones you qualify for.
Ways To Save On Lincoln Continental Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Lincoln Continental insurance costs. Traffic violations and accidents can significantly increase your premiums—drivers with a ticket may pay around $74 per month, while those with multiple accidents could see rates rise to $113 per month.
Additionally, how much you drive also affects your insurance costs. Lower annual mileage typically results in lower premiums since fewer miles mean a lower accident risk. For example, Lincoln Continental drivers covering 2,501-5,000 miles per year pay about $68 per month, while those exceeding 10,000 miles pay around $65 per month.
Compare Lincoln Continental To Other Lincoln Models
Our Methodology
To determine the average cost of car insurance, Insuranceopedia analyzed thousands of quotes from top insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, actual rates may vary based on individual factors such as age, location, driving history, and coverage selections.
Quotes Analyzed
Brands Reviewed
Research Hours
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FAQs
Do You Need Insurance Before You Can Purchase A Lincoln Continental?
Yes, you must show proof of insurance before driving your Lincoln Continental off the dealership lot. The best approach is to purchase a policy in advance and inform your insurer about your upcoming vehicle purchase. This way, you can secure coverage tailored to your needs rather than opting for a dealership-provided plan.
How Can You Get The Cheapest Insurance For Your Lincoln Continental?
The most effective way to find the lowest rates for your Lincoln Continental is by comparing quotes from various auto insurance providers. Luckily, Insuranceopedia makes this process easy by allowing you to compare quotes from multiple insurers directly on our website.
