Cheapest Lincoln Car Insurance (Nov 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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 4697 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 1% 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 4697 Lincoln drivers save an average of $2,373 on their car insurance! 

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 CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm
Liberty Mutual

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.

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:
Friendly service
For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.
So far everything has been good. The policy is affordable too.
Great affordable car insurance

Are Lincolns more expensive to insure?

Compared to the average cost of other cars, Lincoln vehicles cost 1% less to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost

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 MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost

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 MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
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.

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.

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.

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.

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.

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

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
    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. 


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.
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.


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
Expert Insurance Writer and Editor
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.