Lincoln Nautilus Car Insurance Cost 2025
Getting insurance for a Lincoln Nautilus costs $2,531 per year on average. However, the exact cost may vary depending on factors such as your age, the model year of your car, location, driving history, and the type of coverage you choose. To get a more accurate estimate of your specific costs, you can use the quote tables below to compare different insurance options.
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How Much Does Lincoln Nautilus Car Insurance Cost?
Typically, Lincoln Nautilus drivers can find car insurance at an average rate of $2,531 per year. However, this amount can vary based on factors like the driver’s age, location, driving history, and the level of coverage selected. It’s always a good idea to shop around and compare quotes from different providers to find the best deal for your specific situation.
It’s important to keep in mind that car insurance rates can vary greatly depending on factors such as your location, driving history, the model year of your car, and the specific coverage options you choose. For example, maintaining a clean driving record can lead to lower premiums, while a history of accidents or traffic violations may result in higher rates.
Additionally, where you live plays a role in your premiums. Urban areas with heavy traffic tend to have higher insurance rates compared to rural areas with less congestion. The type of coverage you select also influences your cost—comprehensive coverage, which includes both comprehensive and collision insurance, generally comes at a higher cost than minimum liability coverage.
As seen in the table below, the cost to insure a Lincoln Nautilus is lower compared to the average cost of all Lexus models, but it is still higher than the average cost of insuring all cars. If you’re looking for the best deal, Insuranceopedia can help you compare quotes from various auto insurance companies to ensure you find the right policy for your needs.
Average Insurance Cost Of Lincoln Nautilus By Model Year
| Model Year | Average Premium |
| 2025 Lincoln Nautilus | $1,881 |
| 2023 Lincoln Nautilus | $2,663 |
| 2022 Lincoln Nautilus | $1,143 |
| 2021 Lincoln Nautilus | $661 |
| 2020 Lincoln Nautilus | $833 |
| 2019 Lincoln Nautilus | $916 |
2025 Lincoln Nautilus Insurance Rates
The average annual insurance cost for a 2025 Lincoln Nautilus is $1,881. However, Lemonade offers the cheapest rates, averaging $1,050 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,510 |
| Nationwide | $1,730 |
| GEICO | $1,870 |
| Progressive | $2,540 |
| Farmers | $2,600 |
| Allstate | $3,120 |
| Lemonade | $1,050 |
| Safeco | $1,330 |
| Mercury | $1,470 |
| USAA | $1,590 |
2023 Lincoln Nautilus Insurance Rates
The average annual insurance cost for a 2023 Lincoln Nautilus is $2,663. However, National General offers the cheapest rates, averaging $956 per year.
| Insurance Provider | Average Annual Cost |
| National General | $956 |
| Safeco | $1,407 |
| State Farm | $1,902 |
| Mercury | $2,276 |
| Allied | $2,390 |
| Liberty Mutual | $2,377 |
| Dairyland | $2,639 |
| United Automobile Ins Group | $3,862 |
| Direct General Insurance | $4,376 |
| Allstate | $4,444 |
2022 Lincoln Nautilus Insurance Rates
The average annual insurance cost for a 2022 Lincoln Nautilus is $1,143. However, Safeco offers the cheapest rates, averaging $230 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $230 |
| Nationwide | $814 |
| Texas Farm Bureau Group | $936 |
| SECURA Insurance | $1,189 |
| New Jersey Manufacturers | $1,213 |
| Norfolk and Dedham Group | $1,321 |
| Erie | $1,376 |
| Safety Group | $1,401 |
| ACCC Insurance Company | $1,434 |
| Farm Bureau Mutual (IA Group) | $1,517 |
2021 Lincoln Nautilus Insurance Rates
The average annual insurance cost for a 2021 Lincoln Nautilus is $661. However, Mercury Insurance offers the cheapest rates, averaging $147 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $147 |
| Safeco | $306 |
| American National P | $502 |
| Buckeye Insurance Group | $704 |
| Direct Auto | $746 |
| ALFA | $785 |
| Virginia Farm Bureau | $810 |
| Texas Farm Bureau Group | $840 |
| Titan | $865 |
| Plymouth Rock Assurance | $902 |
Find Affordable Lincoln Nautilus Insurance Rates
2020 Lincoln Nautilus Insurance Rates
The average annual insurance cost for a 2020 Lincoln Nautilus is $833. However, Safeco offers the cheapest rates, averaging $389 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $389 |
| American National P | $432 |
| Buckeye Insurance Group | $684 |
| Pekin Insurance | $675 |
| Virginia Farm Bureau | $731 |
| Direct Auto | $874 |
| Ohio Mutual Ins Group | $1,075 |
| Tennessee Farmers | $1,120 |
| Rockford Mutual Insurance | $1,130 |
| Texas Farm Bureau Group | $1,218 |
2019 Lincoln Nautilus Insurance Rates
The average annual insurance cost for a 2019 Lincoln Nautilus is $916. However, National General Value offers the cheapest rates, averaging $196 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $196 |
| American National P | $446 |
| Titan | $917 |
| Pekin Insurance | $970 |
| PEMCO | $1,006 |
| United Farm Bureau of IN Group | $1,093 |
| Oregon Mutual | $1,124 |
| Buckeye Insurance Group | $1,119 |
| Clearcover | $1,127 |
| Texas Farm Bureau Group | $1,166 |
Find Affordable Lincoln Nautilus Insurance Rates
Are Lincoln Nautilus Expensive To Insure?
Insuring a 2025 Lincoln Nautilus typically costs around $2,531 per year for full coverage, based on data from CarEdge. This premium is slightly below the national average for luxury SUVs, reflecting the Nautilus’s strong safety features and moderate repair costs. However, actual insurance rates 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 Nautilus Car Insurance By Age
Yes, age is one of the most significant factors influencing car insurance rates. Teenagers are considered high-risk drivers because of their lack of experience behind the wheel and higher likelihood of being involved in accidents. As drivers age and gain more experience, their risk profile improves, which usually leads to lower premiums. In fact, drivers in their 30s and 40s tend to have some of the lowest rates, assuming they maintain a clean driving record. Premiums may start to rise again for drivers over 65, but they typically remain lower than those for younger drivers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,373 | $9,372 | $10,930 |
| 18 | $5,937 | $8,699 | $10,191 |
| 19 | $5,224 | $7,705 | $9,013 |
| 20 | $4,575 | $6,715 | $7,851 |
| 21 | $3,820 | $5,612 | $6,588 |
| 22 | $3,730 | $5,476 | $6,421 |
| 23 | $3,277 | $4,783 | $5,623 |
| 24 | $3,101 | $4,573 | $5,317 |
| 25 | $2,676 | $3,922 | $4,593 |
| 30 | $2,085 | $3,071 | $3,585 |
| 35 | $1,965 | $2,877 | $3,372 |
| 40 | $1,861 | $2,751 | $3,217 |
| 45 | $1,842 | $2,706 | $3,142 |
| 55 | $1,686 | $2,478 | $2,867 |
| 65 | $1,758 | $2,568 | $3,000 |
| 75 | $2,222 | $3,251 | $3,799 |
Lincoln Nautilus Car Insurance Rates By State
Where you live significantly impacts your car insurance premiums. States and cities have different levels of risk that influence rates. For instance, states like Michigan require higher levels of coverage, leading to higher premiums. Areas with extreme weather, such as hurricanes or snowstorms, also raise the likelihood of accidents or vehicle damage, which results in higher insurance costs. Additionally, locations with higher crime rates or more accidents generally see higher premiums, as insurance companies factor in the risk of car thefts and crashes. Urban areas with heavy traffic tend to have more accidents, further increasing insurance costs compared to rural areas with less traffic.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,993 | $2,900 | $3,662 |
| Alaska | $1,666 | $2,275 | $2,224 |
| Arizona | $1,874 | $2,690 | $3,969 |
| Arkansas | $2,035 | $3,224 | $3,515 |
| California | $2,256 | $4,008 | $2,261 |
| Colorado | $2,120 | $2,970 | $3,785 |
| Connecticut | $2,724 | $4,212 | $5,349 |
| Delaware | $2,238 | $3,001 | $3,850 |
| Florida | $2,671 | $3,716 | $4,822 |
| Hawaii | $855 | $1,195 | $874 |
| Idaho | $1,518 | $1,988 | $2,436 |
| Illinois | $1,583 | $2,393 | $2,742 |
| Indiana | $1,623 | $2,492 | $2,777 |
| Iowa | $1,296 | $1,777 | $2,069 |
| Kansas | $1,707 | $2,486 | $2,923 |
| Kentucky | $2,466 | $3,641 | $4,301 |
| Louisiana | $3,162 | $4,806 | $5,226 |
| Maine | $1,195 | $1,651 | $2,453 |
| Maryland | $1,934 | $2,839 | $3,128 |
| Massachusetts | $1,549 | $2,719 | $1,572 |
| Michigan | $3,769 | $5,722 | $9,069 |
| Minnesota | $1,547 | $2,082 | $2,904 |
| Mississippi | $1,860 | $2,668 | $2,670 |
| Missouri | $1,780 | $2,504 | $3,306 |
| Montana | $1,810 | $2,488 | $2,907 |
| Nebraska | $1,519 | $2,250 | $2,420 |
| Nevada | $2,493 | $3,693 | $3,932 |
| New Hampshire | $1,748 | $2,731 | $3,493 |
| New Jersey | $1,917 | $2,987 | $3,926 |
| New Mexico | $1,975 | $2,889 | $3,020 |
| New York | $1,796 | $2,292 | $3,808 |
| North Carolina | $1,108 | $1,914 | $1,386 |
| North Dakota | $1,551 | $2,329 | $2,752 |
| Ohio | $1,367 | $2,100 | $2,178 |
| Oklahoma | $2,199 | $3,143 | $3,513 |
| Oregon | $2,010 | $2,661 | $3,173 |
| Pennsylvania | $1,670 | $2,475 | $2,880 |
| Rhode Island | $2,785 | $4,125 | $4,621 |
| South Carolina | $1,919 | $2,650 | $3,654 |
| South Dakota | $1,705 | $2,459 | $2,848 |
| Tennessee | $2,007 | $2,963 | $3,917 |
| Texas | $2,042 | $2,905 | $3,640 |
| Utah | $1,715 | $2,401 | $3,315 |
| Vermont | $1,342 | $2,035 | $2,135 |
| Virginia | $1,249 | $1,901 | $1,880 |
| Washington | $1,651 | $2,258 | $2,688 |
| West Virginia | $1,649 | $2,374 | $2,993 |
| Wisconsin | $1,637 | $2,565 | $2,951 |
| Wyoming | $1,539 | $2,148 | $2,319 |
| Georgia | $2,174 | $3,265 | $3,273 |
Find Affordable Lincoln Nautilus Insurance Rates
Cheapest car insurance companies for a Lincoln Nautilus
Lemonade offers the most affordable coverage, with an estimated annual cost of $1,800, which breaks down to around $150 per month. Mercury is also budget-friendly, with a yearly premium of $1,950 or about $162 monthly. GEICO comes in slightly higher at $2,100 annually, translating to $175 per month. Nationwide provides coverage for approximately $2,250 per year, or $188 each month. USAA rounds out the list with an annual premium of $2,400, equating to $200 monthly.
| Insurance Company | Average Monthly |
| Lemonade | $150 |
| Mercury | $162 |
| GEICO | $175 |
| Nationwide | $188 |
| USAA | $200 |
Common Lincoln Nautilus Insurance Discounts
Discounts can be a great way to reduce your car insurance costs. While each provider has its own set of discounts, some common options include:
- Multi-policy: If you bundle your auto insurance with other policies, such as home insurance, you may qualify for a discount.
- Pay annually: Paying your premium in one lump sum rather than monthly payments can often lead to savings.
- Defensive driving: Completing a certified defensive driving course can help lower your rates by showing that you’re a responsible driver.
Other discounts may be available based on your driving habits, vehicle safety features, or loyalty to the insurer. Be sure to speak to your insurance agent about discounts that you may qualify for.
Compare Lincoln Nautilus To Other Lincoln Models
Our Methodology
To calculate average car insurance costs, Insuranceopedia collected thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, keep in mind that these figures may vary depending on your personal situation and the factors specific to your profile.
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FAQs
Do You Need Insurance Before You Can Purchase A Lincoln Nautilus?
Yes, you will need to provide proof of insurance before you can drive your Lincoln Nautilus off the dealership lot. The best approach is to purchase an insurance policy ahead of time, then inform your insurance company that you’re about to buy the car. This way, you can avoid getting insurance through the dealership, ensuring you have coverage from the moment you take ownership of the vehicle.
Which company offers the best car insurance for a Lincoln Nautilus?
The best way to find the cheapest rates for your Lincoln Nautilus is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, right here on our website. This makes it easier to find the best deal for your specific needs and driver profile.
