Lincoln Aviator Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Lincoln Aviator than the average SUV.
• Liability auto insurance for an Aviator runs about $81 per month, while full coverage typically comes in at around $165 a month.
• Kemper provides the lowest average premiums for an Aviator with liability only coverage offered for as cheap as $87 per month.

Aviator Overview

The Lincoln Aviator is a high-end vehicle that is more expensive than your average SUV, with 2022 models starting at $57,355. There are five different trim levels currently available, so there's an option for every driver.

We ran through thousands of car insurance quotes on Compare.com, and we've determined that, on average, Lincoln Aviator auto insurance rates run about $242 a month. Compared to other vehicles in the market, how do Aviator insurance premiums stack up?

How Much is Car Insurance for a Lincoln Aviator?

You can see in the table above that Lincoln Aviator insurance prices are right around average compared to other vehicles on the road. On average, Aviator owners will pay about $81 monthly for liability insurance, and around $165 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When compared to other Lincoln models, the Aviator is slightly more expensive, with rates more than 5% higher than the rest of the company's vehicle lineup. Similarly, compared to other vehicles of a similar body style, Aviator coverage is higher than average, with both liability only and full coverage insurance averaging more expensive premiums than other SUVs.

When compared to all vehicles of any body type, the Aviator has more expensive rates than average for both liability only and full coverage car insurance.

Who has the Cheapest Car Insurance for a Lincoln Aviator?

If you're searching for a new auto insurance policy for your Lincoln Aviator, you may be wondering which company offers the lowest rates. Although costs will usually be pretty different from between drivers, DirectGeneral has the most affordable average rates for liability only coverage, with rates as little as $47 per month. The runner up for cheapest rates is Kemper, with auto insurance policies starting sometimes as low as $87 monthly.

That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies use a lot of different variables and complex formulas to calculate premiums. By checking quotes from a range of insurance carriers at once, you can rest easy knowing that you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Lincoln Aviator?

As we mentioned above, there are a lot of factors that auto insurance companies examine to determine how much they charge you -- and each carrier weighs different factors more heavily than others, so there's not one single company that's the lowest for everyone.

Keep reading to learn which things insurance carriers look at and how they affect your final rate:

Vehicle Age

The Lincoln Aviator has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for car insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and Aviators begin to depreciate, insurance costs will gradually decrease.

As you can see in the information above, the Lincoln Aviator follows this trend, as the cheapest models to insure are those that are 8 to 10 years old, while on average, the most expensive models are Aviators that are 1 year old or less.

Your Age

Your age is another factor that plays a significant role in how much insurance companies will charge. As you can see above, drivers who are under 24 have higher prices compared to older drivers. In this case, drivers who are 18 to 24 pay $48 more than those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for Aviator drivers.

Your Gender

Did you know women generally pay less for auto insurance than men? This is because men are more likely to get into collisions and get speeding tickets, which increases the chances of an insurance claim. The Lincoln Aviator is no different, and women pay about $75 a month for car insurance and men pay around $88.

Where You Live

It may seem like common sense that variables like how old you are and what vehicle you drive play a role in your insurance premiums, but you may not realize that where you live can be equally important. Auto insurance is regulated on the state level rather than nationally, so prices can fluctuate quite a bit depending on where you live.

For example, the average Lincoln Aviator driver in New York pays about $204 per month for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The chart above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

Lincoln Aviator Car Insurance Discounts

Whatever your home state, your car, or your age, using as many discounts as possible when it comes to your auto insurance policy is always a smart move.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than in monthly installments
• Multi-policy discounts for using the same insurance company for both your home and car insurance
• Multi-car discounts for having several vehicles on your auto policy
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution

There are all sorts of other discounts out there for saving money on your auto insurance.

Even though you don't have control over every variable insurance carriers look at to calculate prices (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the factors you can use in your favor when it comes to saving some cash:

Your Driving Record

It's no secret that car insurance companies offer the cheapest premiums to drivers with a history of responsible driving. It should be no surprise that if you get into an accident or get cited for speeding, insurance rates will go higher. But how much will they cost you?

As you can see, accidents will usually cost Aviator drivers less than tickets, but both will cause a significant increase in rates. Lincoln Aviator drivers with a single ticket will pay about $92 monthly, while drivers with one accident on their record pay an average of $87 per month (up $6 from the $81/mo. overall average). Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that affects your car insurance premiums is the total distance you drive annually. Those who drive less often are more likely to go accident-free, so they'll normally be offered cheaper rates. In the table above, you can see that Lincoln Aviator owners who drive fewer than 2,500 miles each year pay about $81 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $82.

But if you don't drive much because have a second vehicle or you work from home, it may be worth reviewing pay-per-mile or usage-based insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Lincoln Aviators Compare to Other Vehicles?

If you're thinking about making a Lincoln Aviator your next SUV, you're probably wondering how it compares to other vehicles. Car insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering carefully.

Review the table below to see how the Lincoln Aviator compares:

Overall, the Lincoln Aviator is more expensive than average, with an MSRP that's more than the going rate for a new vehicle. While the average vehicle MSRP in the U.S. is $46,192, the Aviator comes in above that at $57,355.

Liability insurance for a Lincoln Aviator is, while full coverage is over $30 less monthly.

When it comes to usage, Lincoln Aviator drivers are pretty close to the national average in annual miles driven, with 11,444 miles a year compared to 11,617 for all vehicles.

Lincoln Aviator Car Insurance Costs by Model Year

You've seen how different things can affect how much you might pay for car insurance. If you're considering purchasing a new Aviator, having a good idea of exactly what you'll pay is extremely valuable as you weigh your choices.

2021 Lincoln Aviator Car Insurance

It costs around $98 a month for liability or $285 for a full coverage policy for the 2021 Lincoln Aviator.

If you're looking for the lowest possible 2021 Lincoln Aviator insurance policy, Kemper offered the lowest policy we found, with rates as cheap as just $87 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2020 Lincoln Aviator Car Insurance

On average, drivers who own a 2020 Aviator can expect to pay $96 to $283 a month for liability only and full coverage car insurance, respectively.

With rates as low as $47 monthly, DirectGeneral offered the cheapest policy we found for the 2020 Lincoln Aviator.

Interested in just how much you'll pay? Get lots of free customized quotes by just entering your ZIP code below.

Lincoln Aviator Insurance FAQs

Is a Lincoln Aviator expensive to insure?

The Lincoln Aviator is more expensive to insure compared to the average vehicle. Liability insurance runs an average of $81 per month, while full coverage will cost you around $165.

How can I get the best price on car insurance for my Lincoln Aviator?

There's only one way to guarantee you're getting the lowest rates -- checking prices regularly and comparing quotes from a wide array of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from multiple companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lincoln Aviator affect my insurance prices?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's actually a myth. There are many factors auto insurance carriers think about when they decide how much your policy will be, but the color of your car is not used to make that determination.

Do I need to have insurance before I buy a Lincoln Aviator?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an auto insurance policy in place. Some dealerships may offer you a car insurance policy as part of the car-buying process, but your best bet is letting your insurance carrier know before you buy.

What car insurance discounts can I get for my Lincoln Aviator?

You will find tons of discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Lincoln Aviator you drive, but if your Aviator has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to contact your insurance company and ask about their list of discounts, since they shift quite a bit from carrier to carrier.