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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Lincoln may be a luxury vehicle brand, but that doesn’t mean you have to pay luxury car insurance premiums. Lincoln auto insurance costs an average of $146 per month — $6 cheaper than the national average for all brands, according to Compare.com data.
Low theft rates, advanced safety features, and high safety ratings help keep Lincoln insurance affordable.[1] Rates can vary significantly based on factors like your driving record, age, and location, so you should compare quotes to find the best deal on your Lincoln car insurance.
Here’s a look at which companies offer the cheapest car insurance rates in Lincoln, how to choose the right coverage, and how to save money on your car insurance.
Lincoln owners pay an average of $104 per month for liability-only car insurance and $188 per month for full coverage.
The Navigator is the cheapest model among the brand’s current lineup, averaging $103 per month for liability and $188 per month for full coverage.
Mile Auto, Certainly, and Safeco offer some of the cheapest premiums for Lincoln insurance.
The table below shows the average Lincoln rates for different coverage types and how each compares to the national average, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Lincoln | $104 | $188 | $146 |
| All makes | $107 | $197 | $152 |
Overall, Lincoln drivers pay an average of $146 per month for car insurance, slightly cheaper than the average of $152 per month for all makes. Liability-only coverage costs an average of $104 per month for a Lincoln, and full coverage costs an average of $188 per month.
Your Lincoln model directly affects how much you pay for car insurance. Insurers consider factors like your vehicle’s value, repair and replacement costs, theft rates, and safety features when determining insurance costs for each model.
Coverage type also factors into your insurance premium. Basic liability is cheap because it meets your state’s minimum coverage requirements, but it doesn’t cover you or your vehicle. Full coverage includes comprehensive and collision insurance to cover your car. Plus, you can customize it with other optional coverages, like roadside assistance and gap insurance.
Let’s take a look at how rates differ by Lincoln model, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Aviator | $105 | $190 |
| Corsair | $119 | $216 |
| Nautilus | $113 | $205 |
| Navigator | $103 | $188 |
| MKC | $103 | $188 |
| MKS | $108 | $196 |
| MKT | $113 | $206 |
| MKX | $93 | $169 |
| MKZ | $112 | $204 |
| Town Car | $86 | $157 |
| Continental | $117 | $214 |
| All Lincoln models | $104 | $188 |
The Lincoln Town Car is the cheapest model to insure, averaging $86 per month for liability insurance and $157 per month for full coverage. The Corsair costs the most to insure, at $119 per month for liability-only and $216 per month for full coverage.
But you may be able to find even cheaper rates from one of the companies in the next section.
Even though Lincolns are luxury vehicles, you still have plenty of ways to save on your car insurance. Comparing quotes from different insurers can help you find the most affordable rates.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $75 |
| Certainly | $79 |
| Safeco | $100 |
| Clearcover | $104 |
| Mercury | $114 |
| Elephant | $121 |
| National General | $131 |
| Direct Auto | $135 |
| Dairyland | $151 |
| The General | $162 |
Mile Auto offers the cheapest average rate for Lincoln drivers, at just $75 per month, according to Compare.com data. While the above companies tend to have the most affordable coverage, your rate can vary depending on your location, driving history, and insurance needs. That’s why it’s essential to compare quotes from several insurers to find your best fit.
Next, we’ll highlight the top Lincoln insurance companies for different driver backgrounds and coverage needs.
No insurance company is the single best option for all Lincoln drivers. Your ideal insurer depends on your driving profile, budget, and coverage needs. We picked the companies below based on their average rates for Lincoln vehicles, discounts, coverage options, and customer satisfaction.
Whether you prioritize exceptional service, high-end vehicle protection, or affordable coverage, our top picks offer something for every type of Lincoln owner.
Compare.com Rating: 3.87 out of 5
Not available in Hawaii
Coverage availability varies by state
Few local agents
Whether you need full coverage or a liability-only policy, Amica is a great pick for Lincoln drivers who want top-notch customer service. You can customize your policy with add-ons like roadside assistance, rideshare coverage, and gap insurance. The company also has various discounts to help lower your rate.
Amica offers its Platinum Choice Auto package, which includes perks like prestige rental, full glass coverage, and identity fraud monitoring. It’s also one of the few insurers with a dividend policy that can pay back part of your premium each year.
Compare.com Rating: 3.35 out of 5
Agreed-value coverage available
OEM parts guarantee
Worldwide rental car coverage
Availability varies by state
Unranked for claims or customer satisfaction by J.D. Power
Higher-than-average rates
Lincoln drivers who want premium protection should consider Chubb. It offers agreed-value coverage — a rare coverage that pays you the full insured value of your car, with no depreciation, if you total your Lincoln. Chubb also guarantees OEM repair parts, helping preserve your vehicle’s value and performance.
Chubb offers concierge-style claims service and perks like worldwide rental car coverage. The company also has high liability limits for Lincoln owners who need more coverage than a standard auto policy.
Compare.com Rating: 4.95 out of 5
Available nationwide
Mechanical breakdown coverage available
Wide range of discounts
Doesn’t offer gap insurance
Below-average claims satisfaction rating
Few local agents
GEICO offers affordable Lincoln rates, making it great if you’re on a budget. While it doesn’t have as many optional coverages as some insurers, it’s one of the few with mechanical breakdown coverage.
The company has a highly rated mobile app and 24/7 customer support. But the company has few local agents who can provide personalized service. It may also not be the best option if you’re looking for gap insurance.
Compare quotes from top insurers and save money in seconds.
Where you live affects your Lincoln insurance rates. Different areas have different factors like accident frequency, repair costs, insurance requirements, theft rates, and weather risks. Insurers use your ZIP code to assess regional risk and calculate your premium.
Check out the map below for the average monthly cost of Lincoln insurance in your state, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $96 |
| Arizona | $129 |
| Arkansas | $184 |
| California | $185 |
| Colorado | $151 |
| Connecticut | $293 |
| Delaware | $178 |
| Florida | $188 |
| Georgia | $191 |
| Idaho | $97 |
| Illinois | $120 |
| Indiana | $104 |
| Iowa | $87 |
| Kansas | $118 |
| Kentucky | $188 |
| Louisiana | $174 |
| Maine | $114 |
| Maryland | $265 |
| Massachusetts | $145 |
| Michigan | $225 |
| Minnesota | $145 |
| Mississippi | $145 |
| Missouri | $141 |
| Montana | $117 |
| Nebraska | $135 |
| Nevada | $229 |
| New Hampshire | $88 |
| New Jersey | $153 |
| New Mexico | $111 |
| New York | $370 |
| North Carolina | $72 |
| North Dakota | $111 |
| Ohio | $98 |
| Oklahoma | $125 |
| Oregon | $124 |
| Pennsylvania | $126 |
| Rhode Island | $110 |
| South Carolina | $211 |
| South Dakota | $93 |
| Tennessee | $108 |
| Texas | $171 |
| Utah | $140 |
| Vermont | $105 |
| Virginia | $139 |
| Washington | $107 |
| District of Columbia | $219 |
| West Virginia | $111 |
| Wisconsin | $98 |
| Wyoming | $93 |
Finding the cheapest rate for your Lincoln is important, but getting the right coverage is just as crucial. Here’s how to choose the right policy for your insurance needs:
Understand the coverage options. Liability insurance meets your state’s minimum requirements but covers only the damage you cause to others. But Lincoln repairs can be expensive. A full-coverage policy typically includes collision and comprehensive coverage, which protects your Lincoln from accidents, theft, and weather damage.
Consider OEM parts coverage. You may want OEM parts coverage to maintain the performance and resale value of your Lincoln. OEM parts coverage guarantees you’ll get original Lincoln parts for covered repairs.
Factor in the age and value of your Lincoln. You may want full coverage if you have a newer or leased Lincoln. But you may not need as much coverage if you have an older car or have paid it off and can afford to repair or replace it yourself.
Think about add-ons. Optional coverage like new car replacement, rental reimbursement, and roadside assistance can provide extra protection.
Next, we’ll share tips to help lower your Lincoln car insurance costs.
Insuring your Lincoln doesn’t have to be expensive, especially if you know how to take advantage of available savings. Here are five ways to lower your premiums without sacrificing coverage:
Bundle your policies: Purchasing your auto insurance and homeowners or renters policy with the same company could save you money with a multi-policy discount.
Choose a higher deductible: Increasing your deductible could lower your monthly premium. Just be sure you can afford any repairs because you’ll pay more out of pocket if you file a claim.
Use built-in safety features: Using your car’s advanced driver-assistance systems can reduce your risk of accidents and qualify you for a safety features discount.
Maintain a clean driving record: Avoiding accidents and traffic violations shows insurers you’re not a risky driver and helps you qualify for safe driver discount.
Compare quotes regularly: Premiums can vary widely by company. Shopping around when it’s time for your policy renewal ensures you’re still getting the best rate.
Compare quotes and get the coverage you need at the best price.
If you drive a Lincoln, you may want to know more about insuring your luxury vehicle. Below, we answer some of the most common questions about Lincoln car insurance.
Lincoln drivers pay an average of $146 per month for car insurance, according to Compare.com data. Although Lincoln is a luxury brand, its average insurance rates are lower than the national average for all makes, at $152 per month.
It depends. Lincoln models have advanced safety features, high safety ratings, low theft rates, and moderate repair costs. Lincoln drivers pay an average of $146 per month to insure their cars, slightly less than the national average for all brands of $152 per month, according to Compare.com data.
The Town Car is the cheapest Lincoln model to insure, averaging $86 per month for liability insurance and $157 for full coverage, according to Compare.com data. The Lincoln Navigator is the cheapest to insure of the company’s current lineup, at $103 per month for liability-only coverage and $188 for full coverage.
Lincoln Navigator drivers pay an average of $103 per month for liability coverage and $188 per month for full coverage, according to Compare.com data. But your rate will depend on factors like your age, coverage needs, driving record, and ZIP code.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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