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

Quick Facts

• A Lincoln Continental is more affordable to insure compared to the average car.
• Full coverage insurance for a Continental comes in at about $149 a month, on average, while liability only insurance usually tends to be around $70 per month.
• The most affordable car insurance company for a Continental is PlymouthRockNJ.

Continental Overview

With 2020 models starting at $46,305, the Lincoln Continental is a great mid-level option for any driver. There are three different trim levels currently available, so there's something there for every driver.

After analyzing thousands of auto insurance quotes through Compare.com, we've found that average Lincoln Continental insurance prices run about $169 monthly. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Lincoln Continental?

In the table above, you'll see that compared to other vehicles, Lincoln Continental insurance rates are lower than average. Continental drivers typically pay around $70 per month for liability insurance, and about $149 a month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Comparing it to other Lincoln models, the Continental is slightly less expensive, with premiums more than 5% lower than the rest of the automaker's vehicle lineup. Similarly, coverage for the Continental is lower than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive prices than other cars.

When compared to all vehicles, regardless of model, make, or body style, the Continental follows a similar pattern of having below average car insurance rates.

Who has the Cheapest Car Insurance for a Lincoln Continental?

If you're in the market for a new auto insurance policy for your Lincoln Continental, you're probably wondering which carrier offers the most affordable rates. While there will never be one company that has the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $24 a month from Elephant. The next lowest carrier is Dairyland, who offers auto insurance sometimes as little as $42 monthly.

Rounding out the list are SafeAuto, Infinity, and DirectGeneral. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Insurance carriers use a bunch of things and complex formulas to calculate rates. By checking quotes from a lot of car insurance companies at once, you can guarantee you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Lincoln Continental?

There are many factors that insurance carriers take a look at to calculate how much they charge you for auto insurance -- and each company uses a different formula, so there's not just one carrier that's the lowest for every Continental driver.

Below are just a few of the variables car insurance companies look at and how each one affects your final rate:

Vehicle Age

The Lincoln Continental has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for auto insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and Continentals begin to depreciate, insurance costs will gradually get lower.

Based on the information in the table above, the Lincoln Continental follows this trend, as the cheapest models to insure are those that are 11 to 14 years old, while on average, the most expensive models are Continentals that are 4 to 5 years old.

Your Age

Your age is another factor that makes a difference in how much you pay for insurance. As you can see above, drivers who are under 24 pay more expensive premiums compared to those who have more experience on the road. In this case, drivers aged between 18 and 24 pay $45 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Continental drivers.

Your Gender

Men tend to pay more for car insurance than women. This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim. The Lincoln Continental is no different, and men pay around 7% more than women per month for insurance.

Where You Live

It may seem like common sense that factors such as what vehicle you drive and how old you are play a role in your auto insurance rates, but did you know that where you live can be just as important? Since insurance is regulated on a state-by-state basis, prices can change quite a bit from state to state.

For example, the average Lincoln Continental owner in New York pays about $102 a month for liability coverage, while on average, the same Californian driver will pay less than half of that price. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

Lincoln Continental Car Insurance Discounts

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

Even though all auto insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Pay-in-full discounts for drivers who agree to pay their entire policy rate up front, rather than in monthly installments
• Multi-car discounts for having more than one vehicle on your auto policy

But these aren't the only discounts insurance carriers offer to their customers. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Even though you may not have control of every variable car insurance companies use to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your favor in order to save on auto insurance:

Your Driving Record

You've most likely observed ads from insurance carriers offering hefty savings for good drivers. It follows that your auto insurance premiums will get higher if you get into a collision or get cited for speeding. But you're probably wondering exactly how much these infractions will cost you.

As you can tell from the table above, accidents will usually cost Continental drivers more than tickets, but both will cause a significant increase in rates. Lincoln Continental drivers with a single ticket will pay an average of $73 per month, while drivers with one accident on their record pay about $92 every month (up $22 from the $70/mo. overall average). Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive impacts your car insurance prices. Those who drive less often are more likely to go accident-free, so they'll normally end up spending less on insurance. In the above table, you can see that Lincoln Continental owners who drive between 2,500 and 5,000 miles per year pay about $64 monthly for auto insurance, while those who put less than 2,500 miles on their cars pay $75.

But if you drive less often than the average driver or work from home, it may be worth getting pay-per-mile or usage-based car insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Lincoln Continentals Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Lincoln Continental is on your shortlist, you're probably wondering how it compares to other vehicles. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Check out the table below to see how the Lincoln Continental stacks up:

Overall, the Lincoln Continental has an average MSRP and is in line with the going rate for a new vehicle. The Continental goes for $46,305, close to the national average vehicle MSRP of $46,547.

But while the purchase price runs about average, auto insurance premiums run above average when compared to other vehicles on the market. Liability insurance for a Lincoln Continental is around $19 per month more than average, while full coverage is $17 more a month.

When it comes to usage, Lincoln Continental drivers are far from the national average in annual miles driven, with 10,522 miles each year compared to 11,617 for all vehicles.

Lincoln Continental Car Insurance Costs by Model Year

We've walked through many of the variables that can affect a driver's insurance rates. If you're considering purchasing a new Continental, knowing what you can expect to pay can be extremely helpful as you weigh your choices.

2020 Lincoln Continental Car Insurance

The average cost to insure a 2020 Lincoln Continental with liability only coverage is $100 per month, while full coverage runs about $186 a month.

Safeco offered the most affordable policy we found, with rates sometimes as low as $100 monthly.

If you want to find the best premiums for insurance for a 2020 Lincoln Continental, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2019 Lincoln Continental Car Insurance

On average, drivers who own a 2019 Continental can expect to pay $111 to $206 per month for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Esurance offered liability only coverage for as low as $61 monthly.

These average rates are a great starting point if you're in the market for a 2019 Lincoln Continental, but there are multiple different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2018 Lincoln Continental Car Insurance

It costs around $108 a month for liability or $180 for a full coverage policy for the 2018 Lincoln Continental.

With premiums as cheap as just $108 monthly, Jupiter offered the cheapest policy we found.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get a variety of free customized quotes.

2017 Lincoln Continental Car Insurance

You can expect full coverage for a 2017 Continental to run about $180 per month, while liability only coverage will average around $73 a month.

With prices as low as just $20 monthly, Liberty Mutual offered the lowest policy we found for the 2017 Lincoln Continental.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

Lincoln Continental Insurance FAQs

Is a Lincoln Continental expensive to insure?

The Lincoln Continental is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $70 per month, while full coverage will cost you around $149.

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

There's only one way to be confident you're getting the most affordable rates -- regularly shopping around and comparing quotes from a range of companies. 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 rates from an array of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lincoln Continental affect my insurance premiums?

You may have heard that it costs more to insure red cars than silver or white ones, but that's actually not the case. Although there are many factors car insurance companies examine when they decide how much your policy will be, your Lincoln Continental's color is not factored into that decision.

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

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

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

There are a variety of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the Continental you drive, but if your Continental has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to know is to reach out to your insurance company and ask about which discounts they offer.