How much does Lincoln car insurance cost?

How to find the cheapest Lincoln car insurance quote? 

The best car insurance companies for Lincoln drivers

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 

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.

Lincoln Navigator insurance costs 

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.

Lincoln MKZ insurance costs 

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. 

Lincoln Nautilus insurance cost

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.

Lincoln Aviator insurance costs 

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.

Lincoln Corsair insurance costs 

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.

Are Lincolns more expensive to insure?

Cheapest Lincolns to insure

Most expensive Lincolns to insure

What factors affect Lincoln car insurance rates?

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.

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

Lincoln insurance cost for senior drivers

Lincoln insurance cost for drivers with driving violations 

Speeding tickets
DUIs
Reckless driving
Driving on a suspended license

Cheapest car insurance for Lincoln drivers with a speeding ticket

Cheapest car insurance for Lincoln drivers with a DUI

Cheapest car insurance for Lincoln drivers after an accident

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

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

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. 

Methodology