Lincoln Insurance Rates

The average cost of car insurance for a Lincoln model is about $2,065 per year.

This is $2 better than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Lincoln insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These Lincoln insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Lincoln Model

Model Good Driver Recent Accident Poor Credit
Lincoln Aviator Insurance Cost $2,593 $3,862 $4,565
Lincoln Continental Insurance Cost $1,974 $2,940 $3,475
Lincoln Corsair Insurance Cost $1,881 $2,802 $3,312
Lincoln MKZ Insurance Cost $1,972 $2,937 $3,471
Lincoln Nautilus Insurance Cost $1,811 $2,698 $3,189
Lincoln Navigator Insurance Cost $2,159 $3,215 $3,801

The cost to insure a Lincoln model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Lincoln, then see our insurance analysis and rankings for other makes and models here.

Lincoln Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,994 $10,418 $12,314
18 $6,518 $9,708 $11,476
19 $5,760 $8,580 $10,142
20 $5,023 $7,481 $8,843
21 $4,212 $6,274 $7,416
22 $4,102 $6,110 $7,222
23 $3,589 $5,346 $6,320
24 $3,410 $5,079 $6,004
25 $2,943 $4,383 $5,181
30 $2,292 $3,414 $4,036
35 $2,147 $3,198 $3,780
40 $2,065 $3,076 $3,636
45 $2,009 $2,993 $3,538
55 $1,843 $2,745 $3,244
65 $1,922 $2,863 $3,384
75 $2,426 $3,614 $4,272

Lincoln auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Lincoln models by state.

Average Lincoln Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $2,188 $3,064 $3,835
Alaska $1,810 $2,636 $2,762
Arizona $2,046 $3,174 $4,525
Arkansas $2,243 $3,397 $3,801
California $2,498 $4,368 $2,498
Colorado $2,330 $3,226 $4,025
Connecticut $2,978 $4,603 $5,896
Delaware $2,465 $3,394 $4,506
Florida $2,934 $3,986 $5,197
Georgia $2,393 $3,688 $3,784
Hawaii $956 $1,319 $956
Idaho $1,660 $2,235 $2,782
Illinois $1,738 $2,569 $2,980
Indiana $1,786 $2,790 $3,256
Iowa $1,414 $2,122 $2,472
Kansas $1,882 $2,770 $3,282
Kentucky $2,720 $4,092 $4,812
Louisiana $3,492 $5,337 $5,746
Maine $1,320 $1,771 $2,584
Maryland $2,137 $3,133 $3,700
Massachusetts $1,714 $2,898 $1,714
Michigan $4,135 $6,217 $9,558
Minnesota $1,702 $2,286 $3,385
Mississippi $2,055 $3,104 $3,279
Missouri $1,936 $2,667 $3,449
Montana $1,969 $3,080 $3,397
Nebraska $1,664 $2,356 $2,680
Nevada $2,745 $4,143 $4,545
New Hampshire $1,909 $3,077 $3,919
New Jersey $2,104 $3,316 $4,278
New Mexico $2,148 $3,092 $3,471
New York $1,990 $2,591 $4,183
North Carolina $1,234 $1,991 $1,534
North Dakota $1,688 $2,598 $3,298
Ohio $1,505 $2,461 $2,550
Oklahoma $2,403 $3,609 $4,093
Oregon $2,187 $3,303 $3,790
Pennsylvania $1,842 $2,786 $3,197
Rhode Island $3,076 $4,720 $5,398
South Carolina $2,089 $3,023 $4,313
South Dakota $1,874 $2,578 $3,093
Tennessee $2,204 $3,297 $4,160
Texas $2,220 $3,267 $4,100
Utah $1,888 $2,730 $3,765
Vermont $1,453 $2,324 $2,540
Virginia $1,369 $2,062 $2,190
Washington $1,812 $2,723 $3,211
West Virginia $1,824 $2,656 $3,280
Wisconsin $1,818 $2,654 $3,223
Wyoming $1,697 $2,494 $2,788

Other Important Lincoln Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Lincoln models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Lincoln? We have millions of new and used vehicles listed. Here are some Lincoln models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.