When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
On average, Lincoln car insurance costs an average of $3,065 a year or $255 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Lincoln model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Lincoln is $3,065 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.
Average cost of car insurance for a Lincoln, by company
Car insurance premiums can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Lincoln vehicles compare among different insurers in the table below.
Cost to insure a Lincoln, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,920 | $960 | $160 |
| Nationwide | $2,528 | $1,264 | $211 |
| State Farm | $2,622 | $1,311 | $219 |
| GEICO | $2,661 | $1,331 | $222 |
| Progressive | $2,950 | $1,475 | $246 |
| Allstate | $3,772 | $1,886 | $314 |
| Farmers | $4,034 | $2,017 | $336 |
| USAA | $2,391 | $1,195 | $199 |
Lincoln average insurance rates, by model
Lincoln Corsair car insurance cost
Car insurance costs $227 per month or $2,721 a year on average for a Lincoln Corsair, according to CarInsurance.com’s data study. Travelers has the cheapest car insurance rates for Lincoln Corsair among the companies analyzed. Its average annual cost for a Lincoln Corsair is $1,799 or $150 per month.
Lincoln Nautilus car insurance cost
The average monthly car insurance premium for a Lincoln Nautilus is $255 or $3,060 annually. Travelers is the most affordable company for a Lincoln Nautilus owner, offering insurance at a monthly rate of just $142 or $1,710 per year.
Lincoln Aviator car insurance cost
For Lincoln Aviator owners, the average car insurance cost is $255 per month or $3,065 annually. Travelers offers the most affordable insurance premiums with an average annual cost of $2,008 or $167 per month.
Lincoln Navigator car insurance cost
The average car insurance premium for Lincoln Navigator is $328 per month, which translates to $3,935 per year. The most affordable company for a Lincoln Navigator is Travelers with a rate of $202 monthly or $2,427 per year.
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.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
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 | $10,000 | $5,000 | $833 |
| 18 | Lincoln Corsair | $8,981 | $4,491 | $748 |
| 18 | Lincoln Nautilus | $10,043 | $5,022 | $837 |
| 18 | Lincoln Navigator | $12,710 | $6,355 | $1,059 |
Cost to insure a Lincoln, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Lincoln Aviator | $3,065 | $1,533 | $255 |
| 40 | Lincoln Corsair | $2,721 | $1,360 | $227 |
| 40 | Lincoln Nautilus | $3,060 | $1,530 | $255 |
| 40 | Lincoln Navigator | $3,935 | $1,968 | $328 |
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Lincoln car insurance rates by state
When it comes to insuring your Lincoln, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Lincoln car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,891 | $1,445 | $241 |
| Alabama | $2,615 | $1,308 | $218 |
| Arkansas | $3,384 | $1,692 | $282 |
| Arizona | $3,140 | $1,570 | $262 |
| California | $3,696 | $1,848 | $308 |
| Colorado | $3,583 | $1,791 | $299 |
| Connecticut | $3,487 | $1,743 | $291 |
| Washington, D.C. | $4,074 | $2,037 | $340 |
| Delaware | $3,361 | $1,681 | $280 |
| Florida | $3,570 | $1,785 | $298 |
| Georgia | $3,228 | $1,614 | $269 |
| Hawaii | $1,811 | $905 | $151 |
| Iowa | $2,621 | $1,310 | $218 |
| Idaho | $2,021 | $1,011 | $168 |
| Illinois | $2,561 | $1,281 | $213 |
| Indiana | $2,108 | $1,054 | $176 |
| Kansas | $2,955 | $1,478 | $246 |
| Kentucky | $3,493 | $1,747 | $291 |
| Louisiana | $5,320 | $2,660 | $443 |
| Massachusetts | $2,552 | $1,276 | $213 |
| Maryland | $3,394 | $1,697 | $283 |
| Maine | $1,947 | $973 | $162 |
| Michigan | $4,095 | $2,048 | $341 |
| Minnesota | $2,837 | $1,419 | $236 |
| Missouri | $2,954 | $1,477 | $246 |
| Mississippi | $3,633 | $1,817 | $303 |
| Montana | $2,837 | $1,418 | $236 |
| North Carolina | $2,663 | $1,331 | $222 |
| North Dakota | $2,515 | $1,258 | $210 |
| Nebraska | $3,159 | $1,580 | $263 |
| New Hampshire | $2,036 | $1,018 | $170 |
| New Jersey | $3,534 | $1,767 | $294 |
| New Mexico | $2,953 | $1,477 | $246 |
| Nevada | $3,971 | $1,985 | $331 |
| New York | $3,299 | $1,650 | $275 |
| Ohio | $2,006 | $1,003 | $167 |
| Oklahoma | $3,479 | $1,739 | $290 |
| Oregon | $2,562 | $1,281 | $213 |
| Pennsylvania | $3,116 | $1,558 | $260 |
| Rhode Island | $3,276 | $1,638 | $273 |
| South Carolina | $3,618 | $1,809 | $301 |
| South Dakota | $3,386 | $1,693 | $282 |
| Tennessee | $2,690 | $1,345 | $224 |
| Texas | $3,545 | $1,772 | $295 |
| Utah | $2,431 | $1,215 | $203 |
| Virginia | $2,646 | $1,323 | $221 |
| Vermont | $2,070 | $1,035 | $173 |
| Washington | $2,526 | $1,263 | $210 |
| Wisconsin | $2,934 | $1,467 | $244 |
| West Virginia | $2,709 | $1,355 | $226 |
| Wyoming | $2,342 | $1,171 | $195 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Lincoln car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars 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
Opting for smaller, less costly Lincoln models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“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’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
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
You can take advantage of all the available discounts to lower your Lincoln car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“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 Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious about Lincoln insurance premiums? The insurance rates vary based on the specific model you choose. Since Lincoln manufactures various vehicles, the insurance premiums differ accordingly.
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 analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or 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.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Lincoln model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Lincoln?
Yes, your driving record has a significant impact on your Lincoln’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Lincoln affect the insurance premium?
No, the color of your Lincoln does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Lincoln affect insurance costs?
The age of your Lincoln can influence your insurance costs. Older Lincoln models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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