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Lincoln Insurance Rates

What to expect when insuring a Lincoln

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Average insurance cost for a Lincoln

The average insurance cost of a Lincoln is $179 a month, or $2,144 a year. Known for attracting sophisticated buyers, Lincoln manufactures cars for a premium MSRP range. The higher-than-average price tag tends to raise insurance premiums. On the plus side, however, Lincolns are infrequently targeted by car thieves and tend to score strong safety ratings.

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How a vehicle from Lincoln affects insurance costs

When determining the cost of car insurance, insurance companies look at a car’s safety ratings, its likelihood of being stolen and how costly it is to replace or repair, among other factors.

The high price tag of a Lincoln means they are pricey to repair or replace, which negatively impacts insurance costs; however, good safety ratings and the fact that they don’t make it to the top of any most stolen car lists help to bring down your insurance premium.

Lincoln car insurance rates by model

Model Monthly insurance rate Base car price
Continental $220.00 $44,720
MKC $159.00 $32,880
MKT $157.00 $43,530
MKX $157.00 $38,260
MKZ $220.00 $35,170
Navigator $159.00 $63,515

Are there any standout models?

The Navigator is one of Lincoln’s best-selling models. In fact, Ford (Lincoln’s parent company) is struggling to keep up with demand. And it’s easy to see why. Features include a twin turbocharged 450-horsepower engine, 10-speed transmission and 8,700 lbs of towing power. The interior boasts “best in class” second- and third-row leg room, wireless charging and power ports, and a heads-up display.

Navigators start at $72,555.

Pros and cons of insuring a Lincoln

Pros

  • Not commonly targeted by thieves
  • Good safety ratings

Cons

  • A high purchase price means they are pricey to repair or replace

About the Lincoln brand

Henry Leland, of Cadillac fame, founded the Lincoln Motor Company in 1917. Just five years later, it was sold to Ford in the wake of financial troubles. Under its new parent corporation, Lincoln crafted the iconic Continental in 1939. The Town Car followed 40-some years later, as did the Navigator in the ’90s.

With an aging buyer demographic in today’s market, Lincoln has upgraded its vehicle designs to attract millennial buyers. The Continental, in particular, is winning a new surge of attention: It’s comfortable, roomier and stylish like a luxury car should be.

Lincoln car facts

  • Lincolns aren’t cheap: The lowest-priced model is the MKZ, which starts at $35,170. Pricier vehicles mean pricier insurance.
  • Fortunately, Lincoln cars don’t tend to attract car thieves, and they generally score solid crash safety ratings. These factors keep insurance prices down.
  • Lincoln has the oldest median buyer age, just ahead of Buick and Lexus.
  • You may want more than minimum liability coverage for your Lincoln, expanding your protection through comprehensive coverage.

What’s Lincoln Black Label?

Lincoln Black Label models are Lincoln’s “ultimate expression of design and service.” When purchasing a Black Label Lincoln, customers get superior service, including a private fitting room at the dealership, or a liaison will bring the showroom to you.

As for the design side, Black Label vehicles come in three themes Modern Heritage: a clean, classic design; Indulgence: a rich, sumptuous design; and Center Stage: a design with dramatic flair.

Black Label models also come with membership privileges. Membership benefits include complimentary car washes, annual detailing and a four-year maintenance plan.

Bottom line

Your pricey Lincoln might come with pricey car insurance, so be sure to shop around to find the best car insurance for you.

Companies that provide coverage for Lincolns

Most major insurers will cover your Lincoln. Check with your provider if your Lincoln is an older model, such as the Mark VII or Mark VIII. Above all, compare multiple insurers to find the best price.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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