Best Car Insurance for Lincoln 2022

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Car Insurance for Lincoln

On average, Lincoln drivers pay ${annualpremium} each year for car insurance. But depending on the model you have, your insurance rates could vary. A Continental costs $1,548 less more per year to insure than a Aviator.
As Ford’s luxury line, Lincoln specializes in high-end SUVs and competes closely with other American makes, like Cadillac and Buick.
While Lincolns aren’t as pricey as some other luxury car makes, buyers will have to be willing to pay relatively high annual insurance rates in addition to making an expensive initial purchase.
Some Lincolns will cost more to insure than others. From there, your demographics, driving behavior, and other factors will determine your final insurance rates.
Fortunately, the car insurance super app Jerry can help you find the best prices for the coverage you need. In just 45 seconds, Jerry will browse quotes from over 50 top insurance companies to identify the best deals for your desired coverage level.
Here are some real quotes from Jerry customers who saved money when insuring their Lincoln.
Quote DateCarCity, StateZip CodeAgeCarrier
Before Jerry
After Jerry
September 4, 2021Lincoln MkxPerry, GA3106951Mercury$150/mo.$106/mo.
September 23, 2021Lincoln LSLongview, TX7560424National General$164/mo.$116/mo.
September 26, 2021Lincoln MkxOmaha, NE6810748ClearCover$150/mo.$124/mo.
August 27, 2021Lincoln MKZMemphis, TN3810650Electric$202/mo.$150/mo.
October 15, 2021Lincoln LSFairfield, CA9453350Progressive$200/mo.$151/mo.
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Insurance for Lincoln models

Within Lincoln makes, your car’s model and age will impact the price of your insurance.

Insurance for Lincoln based on the year of the car

The feeling of taking a new car for its first ride is exciting—but high insurance prices certainly aren’t. Typically, new cars will cost the most to insure, and your premiums will decrease as your car ages.
Think about it this way: the lower your car’s value, the less it costs to repair or replace. As your car ages, it depreciates, losing nearly 24% of its value in the first year alone and up to 60% over five years (according to Edmunds).
Additionally, if you’re financing or leasing a new vehicle, your dealer or lender will require you to purchase full-coverage insurance, which will cost you more than just the state-required minimums.
According to Jerry’s internal data, the cheapest years for Lincolns are 1995 and 1999.
The most expensive years for Lincolns are 1996 and 2001.
Average Cost
Annual Savings with Jerry
2020$2,504$377Compare Prices
2019$2,450$658Compare Prices
2018$2,961$746Compare Prices
2017$2,714$719Compare Prices
2016$3,149$761Compare Prices
2015$2,688$780Compare Prices
2014$2,582$729Compare Prices
2013$3,279$811Compare Prices
2012$3,102$1,235Compare Prices
2011$2,948$775Compare Prices
2010$2,978$969Compare Prices
2009$2,955$1,344Compare Prices
2008$2,213$788Compare Prices
2007$3,664$2,107Compare Prices
2006$2,941$1,099Compare Prices
2005$2,163$480Compare Prices
2004$2,467$813Compare Prices
2003$1,875$589Compare Prices
2002$2,276$673Compare Prices
2001$4,042$1,536Compare Prices
2000$2,033$688Compare Prices
1999$1,594$542Compare Prices
1998$2,016$471Compare Prices
1997$2,012$947Compare Prices
1996$3,216$120Compare Prices
1995$1,212$236Compare Prices
1994$1,332$42Compare Prices
1993$2,100$276Compare Prices
1991$2,407$686Compare Prices
1990$1,961$855Compare Prices
Key Takeaway Since older Lincolns cost less to repair or replace, their insurance rates tend to be lower than new Lincolns.
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Insurance for Lincoln based on model

While all Lincolns are considered luxury, the exact model you choose can influence your insurance prices. Each Lincoln model comes with its own purchase price, body style, and performance stats, meaning some will be safer or easier to repair than others.
Models with lower prices, higher safety ratings, and lower repair costs—usually sedans and crossovers—tend to be cheaper to insure than sports coupes or large SUVs.
For example, the Navigator L is an expensive Lincoln to insure because of its large frame, expensive V6 engine, and aesthetic interior touches.
On the other hand, the compact Corsair Reserve will cost less than other Lincolns because of its comparative simplicity in design and performance.
If you want to learn more about car insurance costs for some of the most popular Lincoln models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
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Full coverage vs. minimum coverage for your Lincoln

In most states, you are required to carry minimum amounts of liability coverage to drive legally. Liability insurance covers the costs for other drivers if you are at fault in an accident. Minimum liability requirements typically include:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Some states also require uninsured or underinsured motorist protection to cover damages if you’re in an accident with an uninsured or underinsured driver. Your state may also require personal injury protection (PIP) to pay for your medical expenses—especially if you live in a no-fault state.
While those are the minimum required policies, it’s always a good idea to carry more than your state’s minimum coverage—and a near-necessity if you own a luxury vehicle.
Full coverage insurance policies will make sure you are protected in case of high medical costs or expensive vehicle damage. Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a severe weather event, theft, or vandalism
The average annual insurance premium for Lincolns is $1,655 per year for minimum car insurance and $1,750 for full-coverage insurance.
When you consider all makes and models on the market, the average insurance premium in the US is $1,764 per year for minimum car insurance and $2,486 for full-coverage insurance.
Here’s what it costs to insure a Lincoln with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Regardless of the brand, a more expensive car will cost more to insure. So it goes without saying that most Lincolns will cost more to insure than most of their economy-class Ford counterparts.
Still, when compared to similar luxury brands, Lincolns come in at the lower end of the spectrum, generally costing less to insure than competitors Audi, Lexus, and Cadillac.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Lincoln

Beyond your car’s make, age, and price, some of the biggest determinants of your insurance prices come from your demographics. Your age, area of residence, and driving behavior can influence your insurance rates and make you a better candidate for certain providers.

The model of Lincoln you drive

Again, your car’s model can greatly impact your insurance premiums. Smaller Lincolns like the Continental will generally cost less to insure than the large Navigator.
Even within a given car model, there is room for customization. The trim level and special features you choose can cause your insurance prices to increase.
For example, here’s what insurance you might want to consider for a MKZ, a Lincoln sedan.
TrimFeaturesRecommended coverageReason for coverage
MKZ StandardLincoln’s baseline MKZ comes in front-wheel drive and can be customized with several options packages.Towing and Labor coverageTowing and labor coverage will pay for roadside assistance if your sedan has trouble on winter roads or rough terrain.
MKZ Reserve IIThis high-end trim comes with optional all-wheel drive and a 400-hp engine.New car replacement insuranceYou’ll want to keep a high-end trim protected with new car replacement insurance for the first few years. If you have this coverage and your car is totaled soon after purchasing it, you’ll be entitled to the full market value of the car instead of its depreciated actual cash value.

Your insurance company

You may think that sticking with the insurance company you’ve always used may be the easiest way to insure your Lincoln—but there’s probably a better deal out there. Your best bet to find the lowest rates for the coverage you need is to shop around with various providers. However, comparing rates can take time and feel incredibly frustrating, especially if you’re trying to call each provider yourself. That’s where Jerry can help.
It takes less than a minute to get competitive quotes from the top auto insurance providers in the country. Once you decide on the right coverage for your Lincoln, Jerry will help with canceling your old policy and registering for a new one.
Since Jerry reviews your policy every 6 months, you can be sure that you’re always getting the coverage you need at the best price.
Here’s what Lincoln drivers paid for car insurance before and after switching with Jerry:
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Your age

Insurance companies charge vastly different rates depending on your age as well. If you’re a younger driver (especially under 25), expect to pay high insurance rates, since your lack of experience categorizes you as a high-risk driver.
Middle-aged drivers with more experience can expect to see lower rates, while elderly drivers may find that their rates rise once again.

Your driving record

Another major factor used to calculate your insurance premiums is your driving record.
Even multiple small offenses (i.e., speeding tickets) can cause your premiums to increase, not to mention that even one major offense like a DUI can cause your rates to skyrocket.
Fortunately, improving your driving behavior or taking a defensive driving course could end up saving you money on your car insurance for your Lincoln as time goes on.
Here are some common insurance premiums for Lincoln drivers with previous infractions:
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Where you live

Regardless of the Lincoln you have, moving to a big city from a suburb can drastically change your monthly payments.
Insurers consider things like a city’s accident rates and property crime rates when assessing their risk of having to pay out a claim.
For example, if you live in a big city with lots of traffic, there’s a greater likelihood that you’ll be in an accident—and you’ll have to pay more to cover your Lincoln as a result.
Your area’s chance of inclement weather will additionally influence your rates. If you live in a location where property is more likely to get damaged by blizzards, hurricanes, tornadoes, or other severe weather, you can expect to pay higher premiums throughout the year.
According to our data, there is a high percentage of Lincoln drivers in cities including Orlando (FL), Atlanta (GA), Houston (TX), Petersburg (VA) and Charleston (SC).
The cheapest car insurance for Jerry users with Lincolns is in Elizabeth City (NC) and Canyon Country (CA).
The most expensive car insurance for Jerry users with Lincolns is in Mccormick (SC) and Fort Washington (MD).
Average Cost
Annual Savings with Jerry
Atlanta$3,960$508Compare Prices
Charleston$3,852$2,220Compare Prices
Florence$3,948$1,830Compare Prices
Houston$2,538$490Compare Prices
Norfolk$3,420$2,287Compare Prices
Orlando$3,526$671Compare Prices
Petersburg$2,520$856Compare Prices
Philadelphia$5,318$2,228Compare Prices
$1,860$269Compare Prices
Waycross$1,440$432Compare Prices
Regardless of where you live, your demographics, or the model of Lincoln you drive, you can find the best rates on car insurance by shopping with Jerry.
After a quick signup, Jerry can provide you quotes from over 50 providers. Choose the policy you like best and Jerry will handle the rest—helping you both cancel your old policy and register for the new one.

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