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 4584 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 4584 Lincoln drivers save an average of $2,693 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 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.

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.

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.

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.

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.

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.

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.

Are Lincolns more expensive to insure?

Compared to the average cost of other cars, Lincoln vehicles cost 1% less to insure.

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.

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.

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

A 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 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.

MEET OUR EXPERTS

R.E. Fulton

• Licensed Insurance Agent

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

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.