Lincoln Insurance Rates

The average cost of car insurance for a Lincoln model is about $1,895 per year.

This is $1 worse 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. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. 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

Lincoln insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Lincoln Model

Model Good Driver Recent Accident Poor Credit
Lincoln Aviator Insurance Cost $2,260 $3,319 $3,883
Lincoln Continental Insurance Cost $1,877 $2,756 $3,224
Lincoln Corsair Insurance Cost $1,788 $2,626 $3,072
Lincoln MKZ Insurance Cost $1,875 $2,753 $3,221
Lincoln Nautilus Insurance Cost $1,722 $2,528 $2,957
Lincoln Navigator Insurance Cost $1,850 $2,717 $3,178

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 $6,420 $9,427 $11,029
18 $5,983 $8,786 $10,278
19 $5,288 $7,764 $9,083
20 $4,610 $6,770 $7,920
21 $3,866 $5,677 $6,642
22 $3,765 $5,529 $6,468
23 $3,295 $4,838 $5,660
24 $3,130 $4,596 $5,377
25 $2,701 $3,966 $4,640
30 $2,104 $3,090 $3,615
35 $1,971 $2,894 $3,385
40 $1,895 $2,783 $3,256
45 $1,844 $2,708 $3,168
55 $1,691 $2,484 $2,906
65 $1,764 $2,591 $3,031
75 $2,227 $3,270 $3,826

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 $2,008 $2,916 $3,713
Alaska $1,661 $2,303 $2,238
Arizona $1,878 $2,715 $4,000
Arkansas $2,059 $3,235 $3,562
California $2,292 $4,054 $2,292
Colorado $2,139 $2,994 $3,799
Connecticut $2,733 $4,239 $5,380
Delaware $2,263 $3,015 $3,873
Florida $2,694 $3,727 $4,857
Georgia $2,196 $3,284 $3,311
Hawaii $877 $1,191 $877
Idaho $1,524 $2,020 $2,456
Illinois $1,595 $2,412 $2,750
Indiana $1,639 $2,506 $2,812
Iowa $1,298 $1,780 $2,094
Kansas $1,727 $2,513 $2,939
Kentucky $2,497 $3,665 $4,328
Louisiana $3,206 $4,845 $5,254
Maine $1,212 $1,675 $2,474
Maryland $1,962 $2,855 $3,171
Massachusetts $1,573 $2,744 $1,573
Michigan $3,796 $5,784 $9,123
Minnesota $1,562 $2,083 $2,934
Mississippi $1,886 $2,690 $2,708
Missouri $1,777 $2,541 $3,338
Montana $1,807 $2,521 $2,935
Nebraska $1,528 $2,259 $2,454
Nevada $2,519 $3,737 $3,948
New Hampshire $1,753 $2,771 $3,504
New Jersey $1,931 $3,030 $3,964
New Mexico $1,972 $2,933 $3,045
New York $1,826 $2,300 $3,839
North Carolina $1,132 $1,945 $1,387
North Dakota $1,549 $2,355 $2,785
Ohio $1,381 $2,131 $2,185
Oklahoma $2,206 $3,159 $3,557
Oregon $2,008 $2,694 $3,217
Pennsylvania $1,691 $2,483 $2,905
Rhode Island $2,823 $4,141 $4,663
South Carolina $1,917 $2,657 $3,668
South Dakota $1,720 $2,479 $2,860
Tennessee $2,023 $2,978 $3,966
Texas $2,038 $2,944 $3,661
Utah $1,733 $2,428 $3,342
Vermont $1,334 $2,055 $2,172
Virginia $1,257 $1,930 $1,891
Washington $1,664 $2,258 $2,696
West Virginia $1,674 $2,397 $3,004
Wisconsin $1,669 $2,605 $2,972
Wyoming $1,558 $2,181 $2,323