- The annual average nationwide cost of full coverage car insurance for Lincoln is $2,877 per year.
- The Corsair is the cheapest Lincoln model to insure.
- Advanced safety features that come standard on Lincoln models help lower your insurance costs.
If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
The average cost of Lincoln car insurance is $2,877 a year or $240 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
Average cost of car insurance for a Lincoln, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Lincoln car insurance rates from various insurance companies.
Cost to insure a Lincoln, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,270 | $1,135 | $189 |
| Nationwide | $2,319 | $1,159 | $193 |
| Geico | $2,612 | $1,306 | $218 |
| Progressive | $2,867 | $1,434 | $239 |
| Farmers | $3,401 | $1,700 | $283 |
| Allstate | $3,843 | $1,922 | $320 |
Lincoln average insurance rates, by model
Lincoln Corsair car insurance cost
The average car insurance premium for Lincoln Corsair is $204 per month, which translates to $2,450 per year. The most affordable company for a Lincoln Corsair is State Farm with a rate of $167 monthly or $2,000 per year.
Lincoln Aviator car insurance cost
The average monthly car insurance premium for a Lincoln Aviator is $230 or $2,756 annually. State Farm is the most affordable company for a Lincoln Aviator owner, offering insurance at a monthly rate of just $187 or $2,242 per year.
Lincoln Nautilus car insurance cost
For Lincoln Nautilus owners, the average car insurance cost is $236 per month or $2,828 annually. State Farm offers the most affordable insurance premiums with an average annual cost of $2,133 or $178 per month.
Lincoln Navigator car insurance cost
Car insurance costs an average of $280 per month, which adds up to $3,358 a year for a Lincoln Navigator. Among the companies analyzed, Nationwide stands out as the most affordable option, at an average annual cost of $2,270 or $189 per month.
Insurance rates by car model
The average cost of car insurance for a Lincoln, by driver age
Your age is an important rating factor in determining your Lincoln car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Lincoln insurance costs based on the driver’s age.
Cost to insure a Lincoln, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Lincoln Aviator | $10,319 | $5,160 | $860 |
| 18 | Lincoln Corsair | $9,188 | $4,594 | $766 |
| 18 | Lincoln Nautilus | $10,642 | $5,321 | $887 |
| 18 | Lincoln Navigator | $12,385 | $6,192 | $1,032 |
Cost to insure a Lincoln, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Lincoln Aviator | $2,756 | $1,378 | $230 |
| 40 | Lincoln Corsair | $2,450 | $1,225 | $204 |
| 40 | Lincoln Nautilus | $2,828 | $1,414 | $236 |
| 40 | Lincoln Navigator | $3,358 | $1,679 | $280 |
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Lincoln car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Lincoln car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Lincoln car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,550 | $1,275 | $212 |
| Alabama | $2,652 | $1,326 | $221 |
| Arkansas | $3,126 | $1,563 | $261 |
| Arizona | $2,634 | $1,317 | $220 |
| California | $3,439 | $1,719 | $287 |
| Colorado | $3,693 | $1,847 | $308 |
| Connecticut | $3,022 | $1,511 | $252 |
| Washington, D.C. | $3,319 | $1,659 | $277 |
| Delaware | $2,805 | $1,403 | $234 |
| Florida | $3,208 | $1,604 | $267 |
| Georgia | $3,508 | $1,754 | $292 |
| Hawaii | $1,865 | $933 | $155 |
| Iowa | $2,522 | $1,261 | $210 |
| Idaho | $1,802 | $901 | $150 |
| Illinois | $2,719 | $1,359 | $227 |
| Indiana | $2,584 | $1,292 | $215 |
| Kansas | $2,993 | $1,496 | $249 |
| Kentucky | $3,595 | $1,798 | $300 |
| Louisiana | $4,758 | $2,379 | $397 |
| Massachusetts | $2,815 | $1,408 | $235 |
| Maryland | $2,752 | $1,376 | $229 |
| Maine | $2,076 | $1,038 | $173 |
| Michigan | $3,608 | $1,804 | $301 |
| Minnesota | $3,032 | $1,516 | $253 |
| Missouri | $3,660 | $1,830 | $305 |
| Mississippi | $3,161 | $1,580 | $263 |
| Montana | $3,117 | $1,559 | $260 |
| North Carolina | $2,514 | $1,257 | $210 |
| North Dakota | $2,567 | $1,283 | $214 |
| Nebraska | $3,103 | $1,551 | $259 |
| New Hampshire | $2,228 | $1,114 | $186 |
| New Jersey | $2,789 | $1,394 | $232 |
| New Mexico | $2,903 | $1,452 | $242 |
| Nevada | $2,618 | $1,309 | $218 |
| New York | $2,173 | $1,087 | $181 |
| Ohio | $2,064 | $1,032 | $172 |
| Oklahoma | $3,066 | $1,533 | $256 |
| Oregon | $2,588 | $1,294 | $216 |
| Pennsylvania | $2,981 | $1,491 | $248 |
| Rhode Island | $3,433 | $1,716 | $286 |
| South Carolina | $2,764 | $1,382 | $230 |
| South Dakota | $3,700 | $1,850 | $308 |
| Tennessee | $3,044 | $1,522 | $254 |
| Texas | $4,137 | $2,069 | $345 |
| Utah | $2,285 | $1,143 | $190 |
| Virginia | $2,088 | $1,044 | $174 |
| Vermont | $2,236 | $1,118 | $186 |
| Washington | $2,353 | $1,176 | $196 |
| Wisconsin | $2,213 | $1,106 | $184 |
| West Virginia | $2,688 | $1,344 | $224 |
| Wyoming | $3,336 | $1,668 | $278 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Lincoln car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Lincoln models to insure
Smaller, budget-friendly Lincoln models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, a senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Lincoln models to insure
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Lincoln
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” Mckenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” Mckenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Lincoln discounts on car insurance
One way to save money on your Lincoln insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Lincoln auto insurance.
How does a car’s make affect car insurance rates?
Lincoln car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Lincoln
Lincoln, a luxury vehicle division of the Ford Motor Company, was founded in 1917 and has been renowned for its high-quality automobiles ever since. The brand is known for its luxurious vehicles that blend design, advanced technology and comfort. Lincoln’s vehicle lineup varies from sedans to SUVs, each crafted to deliver a luxurious driving experience.
Final thoughts on Lincoln insurance costs
Lincoln offers a diverse lineup of models, and the cost to insure them varies based on several factors. Choosing an entry-level vehicle with a low MSRP, smaller engine and various safety features can help keep your insurance premiums affordable. On the other hand, choosing luxury or sporty models will typically increase the cost of coverage.
No matter which Lincoln model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Lincoln?
Your driving record is important in determining your Lincoln’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Lincoln affect the insurance premium?
The color of your Lincoln does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Lincoln affect insurance costs?
The age of your Lincoln can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed June 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed June 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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