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Updated on Sep 14, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How much does Lincoln car insurance cost?
How to find the cheapest Lincoln car insurance quote?
Insurance costs for popular Lincoln models
What factors affect Lincoln car insurance rates?
How can I lower the cost of my Lincoln car insurance?
FAQs
Methodology
Meet Our Experts

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How much does Lincoln car insurance cost?

As Ford’s luxury vehicle division, Lincoln offers a range of crossovers and SUVs in its current lineup—plus plenty of iconic sedans like the Lincoln Town Car on the used market.

The experts at Jerry spent 2000 hours analyzing 4802 Lincoln car insurance quotes from our customers over the last year.

Our findings: Lincoln drivers pay an average of $1,128 per year for

car insurance

—but every Lincoln car insurance policy is unique. Compared to national averages for other car manufacturers, Lincoln vehicles tend to be 0% less expensive to insure.

A wide range of factors will affect what you actually pay for your Lincoln’s car insurance, including its model, model year, your location, and your driving record. Because there are so many influencing factors at play, there’s no one-size-fits-all policy for all Lincoln drivers—meaning you should shop around if you want to find the best deal on car insurance.

How to find the cheapest Lincoln car insurance quote?

Fortunately, Jerry makes that task quick and easy. We help you find and compare

auto insurance quotes

in an instant—and if you find a coverage option you like, we can even help you set up your new policy and cancel your old one.

In fact, Jerry has helped 4802 Lincoln drivers save an average of $2,729 on their car insurance!

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Insurance coverage
September 12, 2024	Lincoln MKX Select	Safeco	$133	Vincent, 57 Donna, TX	• 100,000/300,000 Liability • Comp / Collision
September 6, 2024	Lincoln MKZ Reserve	Progressive	$239	Vincent, 42 Cincinnati, OH	• 50,000/100,000 Liability • Comp / Collision
September 5, 2024	Lincoln MKS	Nationwide	$234	Theodore, 38 Buffalo, SC	• 50,000/100,000 Liability • Comp / Collision
September 3, 2024	Lincoln MKC	AAA	$236	Sadie, 65 Mount Laurel Township, NJ	• 100,000/300,000 Liability • Comp / Collision
August 28, 2024	Lincoln Town CAR Signature Limited	Clearcover	$104	Hettie, 65 Florissant, MO	• State Minimum Liability

Last Updated Sep 12, 2024

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The best car insurance companies for Lincoln drivers

The right car insurance policy has to be a good fit for you and the vehicle you drive.

Because so many individual-specific factors will influence your Lincoln car insurance costs, the best car insurance provider for you won’t only depend on the type of vehicle you drive. It will also depend on your location, driving record, age, insurance history, and the level of coverage you’re looking for.

Each car insurance provider uses its own methodology to calculate rates—so when

shopping for car insurance

for your Lincoln, be sure to find and compare multiple quotes.

In the interest of making car insurance shopping that much easier, Jerry conducted the nation’s largest auto insurance shopping survey. Here’s how Lincoln drivers rate different car insurance companies.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.6	4.4	4	4.5
Travelers	4.5	4.2	4.4	4.5
Progressive	4.3	3.9	3.9	4.3
AAA	4.2	4	3.8	4.4
Allstate	4.2	3.6	3.8	4.2
USAA	4	3.5	4.5	4.2
State Farm	4	3.4	3.8	4.2
Farmers	4	3.4	4.1	3.9
Geico	3.9	3.3	3.9	4
Liberty Mutual	3.7	3.2	3.5	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Insurance costs for popular Lincoln models

What type of Lincoln model you drive can have a significant impact on your car insurance costs. Your premium may be affected by your vehicle’s:

Safety features: Naturally, insurance providers like seeing vehicles with higher safety ratings and more safety features, which could help you secure a lower rate. The 2022–2023

Lincoln Aviators

were Top Safety Picks with the Insurance Institute for Highway Safety (IIHS), as were the 2022 Corsair and

Nautilus

Vehicle value: High-value vehicles will cost more to replace, which means they’ll also cost more to insure. That means you might pay more to insure a Lincoln Navigator than you would for a

Lincoln Corsair

Vehicle class: Compact SUVs generally tend to be some of the cheapest vehicles to insure. Electric and hybrid vehicles, sports cars, luxury vehicles, and large sedans tend to cost the most.

Engine size: More powerful engines and performance capabilities can also come with a greater risk for speeding and other driving violations.

Availability of replacement parts: Luxury vehicle parts generally cost more to replace—especially if you’re driving a less common Lincoln, which can make parts harder to find. As a result, you might pay more for full coverage.

Cost of repairs: Luxury vehicles can often come with higher repair costs, which can drive up insurance costs, too.

Take a look at average car insurance costs for some of the most popular Lincoln models.

Car	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Lincoln MKZ	$95	$207
Lincoln MKX	$90	$173
Lincoln Town	$93	$172
Lincoln Navigator	$98	$187
Lincoln MKC	$89	$187
Lincoln Continental	$89	$208
Lincoln Aviator	$95	$166

Keep in mind: Your Lincoln insurance costs will also depend on the coverage options you choose.

Minimum coverage insurance

is the minimum amount of coverage legally required by your state. It typically consists of a certain amount of

basic liability insurance

, including bodily injury liability and property damage liability. If you live in a no-fault state, your minimum insurance requirements might include additional coverage types, such as

personal injury protection (PIP)

Full-coverage insurance

can also add

collision

and

comprehensive coverage

to your policy, which provide protection for your own vehicle. Depending on the provider and your state, full coverage might also include coverage types like PIP, uninsured motorist coverage, or medical payments (MedPay) coverage.

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Sean S.

| Verified Jerry Customer

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Lincoln Navigator insurance costs

For many, the Lincoln Navigator is the first SUV that comes to mind on Lincoln’s current lineup. It boasts a powerful engine and luxurious interior features with plenty of cabin space to spare for maximum comfort—which can also make it a challenging ride to maneuver.

On average, Lincoln Navigator insurance costs $187 per month for full coverage and $98 per month for state minimum coverage.

The Navigator has the highest starting price of any Lincoln, which means you should likely expect higher insurance costs as well.

Additionally, choosing a higher

trim level

and extra packages may get you more desirable features, but you should be aware it will also raise your vehicle’s potential replacement cost, which could leave you paying more for insurance, too. After all, there’s a roughly $30,000 difference between the Navigator’s most and least expensive trims.

There are five trim levels available with the 2024 Lincoln Navigator:

Standard: Starting at $79,725, the 2023 Lincoln Navigator Standard features standard tri-zone climate control, power-deployable running boards, driver assistance features like reverse brake assist, ambient lighting, and soft-touch seating. The base engine is a twin-turbocharged 3.5L V6.

Reserve: Starting at $91,935, the 2023 Lincoln Navigator offers Lincoln Co-Pilot360 2.0 Drive as standard, a head-up display, and a panoramic roof.

Reserve L: Starting at $94,965 the 2023 Lincoln Navigator Reserve L offers an extended wheelbase to provide even more cargo space.

Black Label: Starting at $109,225 the 2023 Lincoln Navigator adds a range of cosmetic features, a Revel Ultima 3D audio system as standard, trim-specific floor mats, 30-way adjustable front seats, and illuminated belt buckles in the first two rows of seating.

Black Label L: Starting at $112,300 the 2023 Lincoln Navigator’s Black Label L trim gives you the longer wheelbase for maximum cabin space.

Take a look below at how average auto insurance costs can vary depending on your Lincoln Navigator trim—plus examples of actual quotes from Jerry users.

Check out some real insurance quotes from Lincoln Navigator drivers.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Lincoln MKX	Progressive	$193	Hunter, 27 Dahlonega, GA	• State Minimum Liability
Lincoln Nautilus Reserve	National General	$204	Chase, 71 Peoria, AZ	• 50,000/100,000 Liability • Comp / Collision
Lincoln MKS	Clearcover	$83	Sadie, 47 Lincoln, NE	• 100,000/300,000 Liability • Comp / Collision
Lincoln Mark LT	Bristol West	$108	Jim, 50 Boston, MA	• State Minimum Liability
Lincoln MKZ	Plymouth Rock	$213	Nannie, 39 Kearny, NJ	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 13, 2024

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Lincoln MKZ insurance costs

You won’t find new luxury sedans on Lincoln’s current lineup, but the MKZ was one of the most recently available options on offer. During its brief run, it became known for its robust V6 engine and comfortable interior.

According to Jerry’s data, the average Lincoln MKZ insurance policy costs $207 for full coverage and $95 for state minimum coverage.

But remember: Your actual MKZ insurance costs will depend on individual factors, too, like your driving record, insurance history, demographics, and the level of coverage you choose.

Your MKZ’s trim level might also affect what you pay for car insurance. In its final 2020 model year, the MKZ was available in three different trims:

Standard: Originally starting at $36,750, the 2020 Lincoln MKZ comes with a base turbocharged I4 engine capable of up to 245 hp. Driver assistance features like lane keep assist and rear cross-traffic alert are standard, as are heated front seats.

Reserve: Originally starting at $42,500, the 2020 Lincoln MKZ Reserve comes with a few more bells and whistles than the standard trim, like more USB ports, wood trim, and ambient lighting. The optional turbocharged V6 engine can give your performance potential a major boost with up to 400 hp.

Hybrid Reserve: Originally starting at $43,495, the 2020 Lincoln MKZ Hybrid Reserve is slightly less powerful than its counterparts with just around 141 hp, but it’s more fuel efficient with an EPA-estimated 42 mpg city/39 mpg hwy.

Here’s a look at average insurance costs for various trims of the Lincoln MKZ.

Check out some real insurance quotes from Lincoln MKZ drivers.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Lincoln MKX	Progressive	$193	Hunter, 27 Dahlonega, GA	• State Minimum Liability
Lincoln Nautilus Reserve	National General	$204	Chase, 71 Peoria, AZ	• 50,000/100,000 Liability • Comp / Collision
Lincoln MKS	Clearcover	$83	Sadie, 47 Lincoln, NE	• 100,000/300,000 Liability • Comp / Collision
Lincoln Mark LT	Bristol West	$108	Jim, 50 Boston, MA	• State Minimum Liability
Lincoln MKZ	Plymouth Rock	$213	Nannie, 39 Kearny, NJ	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 13, 2024

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Lincoln Nautilus insurance cost

The Lincoln Nautilus is the manufacturer’s sole model that earned a Top Safety Pick title with the IIHS for 2023—which may help your insurance costs. It offers a comfortable cabin, up to 250 hp with its base engine, and its price range makes it a relatively accessible luxury crossover compared to other models.

On average, car insurance for the Lincoln Nautilus costs $168 for full coverage.

The 2024 Lincoln Nautilus is available in three different trims:

Standard: Starting at $47,325, the 2023 Lincoln Nautilus Standard has a power liftgate, power-folding side mirrors, Lincoln Co-Pilot360 1.0, and driver assistance features like cross-traffic alert. Inside you’ll find dual-zone automatic climate control, a lockable glove box, and Lincoln’s soft-touch seats. The base engine is a turbocharged 2.0L I-4.

Reserve: Starting at $53,535, the 2023 Lincoln Navigator Reserve comes with a panoramic roof, a heated steering wheel, rain-sensing wipers, and heated and ventilated front seats.

Black Label: Starting at $67,245, the top-tier 2023 Lincoln Navigator Black Label adds a hands-free liftgate, trim-specific Black Label badging, the Revel Ultima audio system as standard, Venetian leather upholstery, and a twin-turbo 2.7L V6 engine.

Take a look at how Lincoln Nautilus insurance costs can vary based on the trim level you choose.

Check out some real insurance quotes from Lincoln Nautilus drivers.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Lincoln MKX	Progressive	$193	Hunter, 27 Dahlonega, GA	• State Minimum Liability
Lincoln Nautilus Reserve	National General	$204	Chase, 71 Peoria, AZ	• 50,000/100,000 Liability • Comp / Collision
Lincoln MKS	Clearcover	$83	Sadie, 47 Lincoln, NE	• 100,000/300,000 Liability • Comp / Collision
Lincoln Mark LT	Bristol West	$108	Jim, 50 Boston, MA	• State Minimum Liability
Lincoln MKZ	Plymouth Rock	$213	Nannie, 39 Kearny, NJ	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 13, 2024

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Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Excellent customer service

Mayowa

For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.

Briana

So far everything has been good. The policy is affordable too.

Eric

My experience with Jerry and Progressive was awesome. No issues with the insurance at all and using Jerry helped me cost-compare without an official quote, which usually comes with TONS of phone calls from salespersons.

Kyle J., Minneapolis, MN

Lincoln Aviator insurance costs

The Lincoln Aviator is yet another SUV option that functions as a middle ground between the Navigator and the Nautilus.

Car insurance for a Lincoln Aviator costs an average of $166 to buy full coverage car insurance and $95 for state minimum coverage.

Here’s how the 2024 Lincoln Aviator’s trim levels compare:

Standard: Starting at $53,340, the 2023 Lincoln Navigator Standard comes with tri-zone climate control, driver assistance features like cross-traffic alert with braking, rain-sensing wipers, and heated front-row seats.

Reserve: Starting at $59,005, the 2023 Lincoln Navigator Reserve adds ambient lighting, quad-zone climate controls, wireless charging, and premium leather seats.

Grand Touring: Starting at $70,190, the 2023 Lincoln Aviator Grand Touring is a plug-in hybrid model that gets an EPA-estimated 54 mpg city and 58 mpg hwy and is capable of up to 494 horsepower.

Black Label: Starting at $80,725, the 2023 Lincoln Aviator Black Label adds features like Lincoln Co-Pilot360 1.5 Plus, a Revel Ultima 3D audio system with a whopping 28 speakers, heated and ventilated front seats, and black accents.

Black Label Grand Touring: Starting at $90,280, the 2023 Lincoln Aviator Black Label Grand Touring is essentially the plug-in hybrid version of the Black Label trim. It also adds a few extra features, like an EV pedestrian sounder and making the optional dynamic handling package standard.

Here are some examples of average insurance costs and real quotes Aviator drivers have found with Jerry.

Check out some real insurance quotes from Lincoln Aviator drivers.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Lincoln MKX	Progressive	$193	Hunter, 27 Dahlonega, GA	• State Minimum Liability
Lincoln Nautilus Reserve	National General	$204	Chase, 71 Peoria, AZ	• 50,000/100,000 Liability • Comp / Collision
Lincoln MKS	Clearcover	$83	Sadie, 47 Lincoln, NE	• 100,000/300,000 Liability • Comp / Collision
Lincoln Mark LT	Bristol West	$108	Jim, 50 Boston, MA	• State Minimum Liability
Lincoln MKZ	Plymouth Rock	$213	Nannie, 39 Kearny, NJ	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 13, 2024

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Lincoln Corsair insurance costs

The Lincoln Corsair is the smallest and cheapest option on the 2023 Lincoln lineup—but you’ll still know it’s a luxury vehicle as you step inside the cabin.

The average cost to insure a Lincoln Corsair is $194 for full coverage and $30 for state minimum coverage.

The 2024 Lincoln Corsair is available in three different trim levels:

Standard: Starting at $38,690, the 2023 Lincoln Corsair offers Lincoln Way App compatibility, two 12V power outlets, a power liftgate, evasive steering assist, heated front seats, and multiple USB ports. The default engine is a turbocharged 2.0L I-4 with auto start-stop technology.

Reserve: Starting at $43,075, the 2023 Lincoln Corsair Reserve adds premium leather-trimmed seats, jeweled LED headlamps, and 19-inch aluminum wheels.

Grand Touring: Starting at $53,885, the 2023 Lincoln Corsair Grand Touring is this crossover’s plug-in hybrid version with a 2.5L engine and continuously variable transmission.

Check out average car insurance costs and rates real Corsair drivers have found with Jerry.

Check out some real insurance quotes from Lincoln drivers.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Lincoln MKX	Progressive	$193	Hunter, 27 Dahlonega, GA	• State Minimum Liability
Lincoln Nautilus Reserve	National General	$204	Chase, 71 Peoria, AZ	• 50,000/100,000 Liability • Comp / Collision
Lincoln MKS	Clearcover	$83	Sadie, 47 Lincoln, NE	• 100,000/300,000 Liability • Comp / Collision
Lincoln Mark LT	Bristol West	$108	Jim, 50 Boston, MA	• State Minimum Liability
Lincoln MKZ	Plymouth Rock	$213	Nannie, 39 Kearny, NJ	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 13, 2024

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Are Lincolns more expensive to insure?

Compared to the average cost of other cars, Lincoln vehicles cost 0% less to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Jeep	$94	$165
Lincoln	$94	$191
Dodge	$95	$189
Audi	$96	$201
Infiniti	$105	$213

Cheapest Lincolns to insure

The 2022 Lincoln Corsair is the cheapest Lincoln to insure with an average monthly premium of $30 for state minimum coverage and an average of $249 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2022 Lincoln Corsair	$72	$246
2015 Lincoln Navigator	$72	$187
2019 Lincoln MKZ	$72	$222
2019 Lincoln MKC	$72	$164
2015 Lincoln MKZ	$72	$225

Most expensive Lincolns to insure

The most expensive Lincoln model to insure is 2014 Lincoln MKS, with an average monthly premium of $185 for state minimum coverage and an average of $212 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2014 Lincoln MKS	$134	$212
2011 Lincoln MKT	$134	$246
2012 Lincoln MKT	$134	$189
2017 Lincoln MKZ	$132	$192
2013 Lincoln MKS	$127	$213

Remember insurance costs depend on more than your vehicle: Car insurance rates are also influenced by information specific to you, like your location, your driving record, your age and other demographics, and your accident history. That’s why it’s so beneficial for drivers to seek out personalized car insurance quotes before selecting a policy.

What factors affect Lincoln car insurance rates?

There’s a wide range of influencing factors that go into

determining your car insurance cost

, including:

Vehicle cost: Expect to pay more for collision and comprehensive coverage if you drive a luxury vehicle, sports car, or high-performance model.

Vehicle age: Newer vehicles tend to have higher values and more complex systems, which can translate to higher insurance costs.

Cost of parts: Luxury vehicle parts can often cost more to repair and replace, which means insurance companies may need to pay out more if you were to file a claim. Vehicles that are less common can have more expensive parts, too.

Your age: Young drivers usually pay the highest car insurance costs, but responsible drivers can generally expect to see average rates decrease over time. Around age 75, average car insurance costs tend to increase again.

Your driving record and claims history: Drivers with clean records can usually expect to pay some of the lowest car insurance rates, while those with at-fault accidents or a history of repeated or severe violations will pay significantly more.

Where you keep your car: Your area’s population density, road conditions, crime rates, and severe weather risks can all affect your premium. Even within the same city, different ZIP codes might see different rates based on varying levels of risk. If you can park your car in a locked garage or a monitored parking lot, you might also be able to pay less for insurance.

Here are some Lincoln-specific factors that could also affect your auto insurance rates:

Luxury vehicles: Repair and replacement costs tend to be more expensive for luxury vehicles with higher values. To compensate, insurance companies will often charge higher rates to insure them.

Safety: Lincoln safety ratings and features vary depending on model and model year, but those that fare the best will often see lower insurance rates.

Reliability: Reliability varies from vehicle to vehicle, too—the most reliable Lincolns will often have lower insurance rates.

Availability: Newer and more popular Lincoln models will have cheaper, more accessible parts than those that are older or less common.

Lincoln insurance cost for young drivers

Teen drivers

aged 16 to 19 pay some of the highest average car insurance rates, largely because they’re still gaining experience behind the wheel.

Because young drivers face higher accident risks, full coverage is a must—especially for those driving newer or more valuable vehicles.

Teen drivers who can be added to a parent or guardian’s car insurance policy will usually find lower rates than they would on a policy of their own. For additional savings, some young drivers may qualify for good student or safe driver discounts.

Progressive

Lora (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Dayton, OH

Lincoln MKZ

$343

per month

Progressive

Thomas (19 years old)

Coverage

State Minimum

Saint Clair, MO

Lincoln Town CAR Designer SE

$235

per month

Allstate

Olive (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

San Antonio, TX

Lincoln MKX

$160

per month

National General

Phoebe (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Newnan, GA

Lincoln MKZ Reserve

$402

per month

National General

Ronnie (21 years old)

Coverage

State Minimum

Milpitas, CA

Lincoln T C CYP ED

$104

per month

Lincoln insurance cost for senior drivers

Car insurance rates for seniors

tend to increase as drivers reach their mid-70s. This is largely due to an increased risk for accidents and a higher risk for severe injuries if a collision occurs.

But shopping around for car insurance quotes can increase your odds of finding low-cost options that meet your coverage needs.

Progressive

Connor (67 years old)

Coverage

State Minimum

Battle Creek, MI

Lincoln MKC Select

$177

per month

Safeco

Ada (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Baltimore, MD

Lincoln LS

$409

per month

Allstate

Matilda (71 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Coeur D Alene, ID

Lincoln LS

$152

per month

National General

Chase (71 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Peoria, AZ

Lincoln Nautilus Reserve

$204

per month

Gainsco

Isaac (65 years old)

Coverage

State Minimum

Mcallen, TX

Lincoln Nautilus Reserve

$193

per month

Lincoln insurance cost for drivers with driving violations

When car insurance companies calculate your rate, they’ll also consider your driving record. Lincoln drivers with

clean driving records

can expect to see some of the lowest rates, thanks to their lower risk for accidents.

On the other hand, you might see higher car insurance costs if you’ve had an at-fault accident or violations such as:

Speeding tickets

DUIs

Reckless driving

Driving on a suspended license

Cheapest car insurance for Lincoln drivers with a speeding ticket

The impact a speeding ticket will have on your auto insurance premium may depend on the severity.

A speeding ticket for driving 20 mph over the speed limit will usually have a much more substantial impact on your car insurance costs than a ticket for driving 6 mph over the speed limit. Repeat speeding tickets can also send your rates climbing.

Fortunately, Jerry can help Lincoln drivers with varying types of speeding tickets find affordable rates. Here are some examples of rates other drivers have found with Jerry’s help.

Speeding Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Speeding 1-5	Lincoln MKC Premiere	Bristol West	$190	Addie, 27 Xenia, IL	• State Minimum Liability • Comp / Collision
Speeding 6-10	Lincoln MKZ Hybrid	Clearcover	$127	Bryan, 30 Springfield, IL	• State Minimum Liability • Comp / Collision
Speeding 11-15	Lincoln Town CAR Executive	Safeco	$196	Erik, 34 Windsor Mill, MD	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	Lincoln MKZ	Plymouth Rock	$243	Polly, 42 Wallkill, NY	• State Minimum Liability

Last Updated Sep 14, 2024

Cheapest car insurance for Lincoln drivers with a DUI

DUI conviction

can send your car insurance rate skyrocketing. To find more affordable coverage, you may need to shop around and compare rates.

Jerry has helped many Lincoln drivers obtain affordable auto insurance rates after a DUI.

Progressive

Marion (56 years old)

DUI

Coverage

State Minimum

Tucson, AZ

Lincoln Town CAR Signature Limited

$110

per month

Safeco

Wayne (30 years old)

DUI

Coverage

State Minimum

Casa Grande, AZ

Lincoln MKZ

$194

per month

AAA

Henry (47 years old)

DUI

Coverage

State Minimum

New Britain, CT

Lincoln MKZ

$463

per month

Clearcover

Leo (31 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

West Valley City, UT

Lincoln MKZ

$76

per month

Dairyland

Evan (38 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Moab, UT

Lincoln Navigator

$62

per month

Cheapest car insurance for Lincoln drivers after an accident

Recent accidents can also increase your car insurance costs. At-fault accidents that caused injuries will see the most dramatic increases.

Take a look at rates Jerry has helped Lincoln drivers find after accidents.

Accident type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
At Fault With Injury	Lincoln Corsair	Safeco	$142	Raymond, 35 Port Arthur, TX	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Lincoln MKC	AAA	$236	Margaret, 65 Mount Laurel Township, NJ	• 100,000/300,000 Liability • Comp / Collision
At Fault With Injury	Lincoln MKZ Reserve	Nationwide	$168	Ivan, 33 Louisburg, NC	• 100,000/100,000 Liability • Comp / Collision
Not At Fault	Lincoln MKZ Hybrid Reserve	Travelers	$231	Sophie, 44 Lithia Springs, GA	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Lincoln MKC Reserve	Bristol West	$175	Bettie, 45 Iowa City, IA	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 12, 2024

Cheapest car insurance for Lincoln drivers with other driving violations on their record

Speeding tickets and DUIs are far from the only violations that can increase your car insurance costs.

Take a look at rates other Lincoln drivers have found with Jerry for various types of violations, from reckless driving to following too closely to

driving on a suspended license

Violation	Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Illegal Turn	Lincoln Continental	Progressive	$326	Eleanor, 26 Greensboro, NC	• 50,000/100,000 Liability • Comp / Collision
Defective Equipment	Lincoln Town CAR Signature	National General	$62	Corey, 35 Wytheville, VA	• 30,000/60,000 Liability
Failure to Yield	Lincoln MKX	Allstate	$202	Dorothy, 26 Dawsonville, GA	• 50,000/100,000 Liability • Comp / Collision
Wrong Way/Wrong Lane	Lincoln MKZ	Gainsco	$313	Cynthia, 29 Mount Olive, AL	• State Minimum Liability
Cell Phone	Lincoln MKZ	Progressive	$172	Charles, 60 Lyndhurst, NJ	• 15,000/30,000 Liability
Careless Driving	Lincoln MKZ	Bristol West	$254	Jorge, 31 Saint Paul, MN	• State Minimum Liability
Driving on Sus. License	Lincoln MKS	Safeco	$138	Duane, 35 Jacksonville, FL	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Lincoln Zephyr	AAA	$100	Myrtie, 66 Manchester Township, NJ	• 15,000/30,000 Liability
Seat Belt	Lincoln MKX	Safeco	$301	Pauline, 52 New Windsor, NY	• 100,000/300,000 Liability • Comp / Collision
Improper Passing	Lincoln MKZ Hybrid	Gainsco	$106	Lewis, 33 Milledgeville, GA	• State Minimum Liability

Last Updated Sep 13, 2024

How can I lower the cost of my Lincoln car insurance?

There are a number of ways you can keep your Lincoln car insurance costs low:

Shop around: Car insurance companies use their own methodologies to calculate rates, which means

shopping around for insurance coverage

may help you find the lowest rate available to you. Jerry makes this process fast and easy by gathering free quotes for you in an instant. If you find a coverage option you like, Jerry can even help you set up your new policy and cancel your old one.

Opt for a small SUV: If you’re set on buying a Lincoln as your next vehicle, choosing a crossover with high reliability and safety ratings could help you secure a more affordable rate.

Bundle your insurance policies:

Bundling your homeowners or renters insurance with your auto insurance

under the same provider could get you a discounted rate on both policies.

Find out what discounts you’re eligible for: Not all car insurance companies offer the same

car insurance discounts

—and not all of them are advertised outright. Before settling on a provider, find out what sorts of discounts you’d qualify for and how they’d impact your rate. Taking a safety course, participating in a telematics program, and going accident-free for a certain amount of time are all potential ways to save.

Reduce your coverage: If you’re looking to cut down your car insurance costs, consider areas where you can afford to reduce coverage. For example, if you drive an older vehicle with a lower value, you could consider

dropping full coverage

Raise your deductible: Your

deductible

is the cost you’d need to pay out of pocket before coverage from collision or comprehensive insurance would kick in. Choosing a higher deductible means you’ll have to pay more out of pocket in the event of a claim, but your monthly insurance costs will be lower.

FAQs

Are Lincolns expensive to maintain?

According to RepairPal, Lincoln vehicles have an average annual repair and maintenance cost of about $880. They can also be less expensive to maintain when compared with other luxury brands.

Of course, your actual maintenance costs for a Lincoln will depend on the model you drive, its age, the conditions it’s been exposed to, and how well it’s been maintained over its life.

Are Lincolns expensive to insure?

As a luxury vehicle, Lincolns can come with higher-than-average insurance costs. The average Lincoln insurance cost is $94 per month.

Your own Lincoln auto insurance costs will depend on a variety of factors, including what Lincoln model you drive, its age, your driving record, your location, and your demographics. To find the lowest possible car insurance rates for your Lincoln, be sure to gather and compare multiple quotes before picking a policy.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.