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

Lincoln LS drivers pay about $99 a month for their insurance, on average. Take a look at our latest guide to find out how much auto insurance companies might charge you to insure your Lincoln LS.

Quick Facts

  • A Lincoln LS costs less than most other cars to insure.
  • Liability insurance for a LS tends to be around $76 per month, while full coverage normally runs about $143 monthly.
  • The lowest auto insurance company for a LS is AssuranceAmerica, who offers liability only coverage for as low as $26 per month, on average.

LS Overview

The Lincoln LS is on the more expensive end of the spectrum, with base prices starting at $39,285 for 2006 models.

We ran through thousands of car insurance quotes on Compare.com, and we've determined that average Lincoln LS insurance rates run around $99 monthly. But how does that compare to other similar cars on the market?

Current Base Price$39,285
Body Style(s)Car
Trim LevelsLS
Average Insurance Premium$99/mo.
Cheapest Insurance CompanyAssuranceAmerica

How Much is Car Insurance for a Lincoln LS?

Vehicle Liability Only Full Coverage
Lincoln LS$76$143
All Lincoln Models$76$157
All Cars$83$177
Average Insurance Premium$81$169

Looking at the table above, you'll find that Lincoln LS insurance premiums are below average. On average, LS owners will pay about $76 a month for liability insurance, and around $143 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other Lincoln models, the LS is slightly cheaper, with prices more than 5% lower than the rest of the company's vehicle offerings. Compared to offerings from other brands, car insurance for a LS is also more affordable, with liability only insurance premiums coming in about $7 less and $34 less for full coverage.

Overall, they're just more affordable to insure than the average vehicle, no matter what model, body style, or make they are.

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Who has the Cheapest Car Insurance for a Lincoln LS?

Insurance Company Average Monthly Premium
Hugo$26
AssuranceAmerica$26
CSAA$31
MainStreet$32
Sun Coast$39

If you're in the market for a new car insurance policy for your Lincoln LS, you're probably wondering which carrier offers the cheapest rates. Even though prices can shift quite significantly depending on your driver profile, Hugo and and AssuranceAmerica offer the most affordable average rates for liability only coverage, with rates sometimes as low as $26 a month.

The third, fourth, and fifth carriers on the list are CSAA, MainStreet, and Sun Coast. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers take a multitude of different factors into consideration when offering you premiums. By getting quotes from multiple auto insurance companies at once, you can be sure you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Lincoln LS?

There are a whole bunch of pieces that insurance carriers examine to calculate how much they charge you -- and each company uses a different formula, so there's not one single carrier that's the lowest for everyone.

The following sections show a multitude of variables car insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 YearsNo Recent Models
4-5 YearsNo Recent Models
6-7 YearsNo Recent Models
8-10 Years$58
11-14 Years$75
15 Years or Older$77

Lincoln has been making the LS for quite some time, so the car's age may play a big role in how much you'll pay for auto insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually go lower.

A new Lincoln LS model hasn't been added to the market for over 5 years, so the LS won't really fit this trend. However, as you can see in the table above, the cheapest Lincoln LSs to insure are those that are 8 to 10 years old, while the most expensive models are LSs that are 15 years old or more, on average.

Your Age

Age Average Monthly Premium

Age makes a difference in how much you pay for insurance. As you can see in the table above, young drivers have higher rates than those who have more experience. In this case, drivers under 18 pay over three times as much as those 25 or older.

Insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the LS.

Your Gender

Gender Average Monthly Premium
Male$78
Female$73

Did you know men generally pay more for auto insurance than women? This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim. When it comes to LS drivers specifically, men pay around 7% more than women per month for car insurance.

Where You Live

State Average Monthly Premium
California$54
Florida$106
Georgia$94
Illinois$49
New York$104
North Carolina$57
Ohio$94
Pennsylvania$67
Texas$60
Virginia$62

You were probably already aware that things such as how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live has just as much of an impact? Since car insurance is regulated on a state-by-state basis, rates can differ quite a bit from state to state.

For example, the average Lincoln LS driver in New York pays about $104 a month for liability coverage, while on average, the same owner from California will pay $50 less than that price. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change across states.

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Lincoln LS Car Insurance Discounts

No matter what state you live in, which car you drive, or how old you are, using as many discounts as possible when it comes to your insurance is always important when shopping around for a new policy.

While no two car insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

  • 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
  • Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
  • Multi-policy discounts for getting both your home and auto policies from the same company
  • Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than by monthly payments

There are countless ways to save money on your insurance if you know where to look. 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.

Although you may not have control of every factor auto insurance companies look at to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the variables you can use to your advantage when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$126
Multiple Accidents$140
1 Ticket$106
Multiple Tickets$107

You've most likely noticed ads from insurance carriers posting large discounts for safe drivers. It makes sense that your auto insurance rates will go higher if you get into an accident or get tickets. But you're probably wondering exactly how much these infractions can cost you.

Looking at the table above, you'll see that accidents will usually cost LS drivers more than tickets, but both will result in higher than average rates. Lincoln LS drivers with a single ticket will pay an average of $106 monthly, while drivers with one accident on their record pay about $126 every month (up $50 from the $76/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$72
2,501-5,000 Miles$70
5,001-7,500 Miles$70
7,501-10,000 Miles$76
10,000+ Miles$79

Another variable you have control over is the total amount of miles you drive annually. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll usually end up paying less for car insurance. In the above table, you can see that Lincoln LS owners who drive 10,000 miles or more pay $79 for auto insurance, while those who drive fewer than 2,500 miles per year pay about $72 per month.

But if you don't use your Lincoln LS to travel or commute regularly, it may be worth learning about usage-based or pay-per-mile insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Lincoln LSs Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Lincoln LS is on your shortlist, it might be helpful to do your homework. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

Visit the table below to see how the Lincoln LS stacks up:

Lincoln LS National Average
Liability Insurance$74$81
Full Coverage Insurance$155$169
Base MSRP$39,285$29,878
Average Annual Mileage11,36011,617

Overall, the Lincoln LS has an MSRP that's in line with the going rate for a new vehicle. The national average vehicle MSRP is $29,878, and the LS comes in close to that at $39,285. And since it's been awhile since a new LS model has been on the market, used prices will be even less expensive.

Although the LS has a pretty average price, car insurance prices are slightly lower when compared to other vehicles on the market. Liability insurance for a Lincoln LS is around $7 per month less than average, while full coverage is $14 less a month.

When it comes to usage, Lincoln LS owners drive about the same amount annually as the national average, with 11,360 miles each year compared to 11,617 for all vehicles.

Lincoln LS Car Insurance Costs by Model Year

You've seen how different things can have an impact on how much the average driver pays to insure a Lincoln LS. If you're thinking about buying a new vehicle and the LS is one you're considering, knowing what you'll likely pay is extremely valuable as you weigh your choices.

2006 Lincoln LS Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$155
Base MSRP$39,285
Cheapest Insurance CompanyElephant - $27/mo.
Available TrimsLS

2006 Lincoln LS drivers can expect to pay an average of $74 monthly for liability or $155 for full coverage.

Looking for the cheapest policy? Elephant offered liability only coverage for as cheap as just $27 per month.

If you want to know exactly how much you can expect to pay for your LS, just enter your ZIP code below and get several free quotes in minutes.

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2005 Lincoln LS Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$143
Base MSRP$32,640
Cheapest Insurance CompanySafeco - $16/mo.
Available TrimsLS

It costs about $79 a month for liability or $143 for a full coverage policy for the 2005 LS.

If you're looking for the cheapest possible 2005 Lincoln LS insurance policy, Safeco offered the lowest policy we found, with rates sometimes as cheap as $16 per month.

What will your insurance premium be? Get a variety of free customized quotes by just entering your ZIP code below.

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2004 Lincoln LS Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$153
Base MSRP$32,120
Cheapest Insurance CompanyArrowhead - $22/mo.
Available TrimsLS

On average, drivers who own a 2004 Lincoln LS can expect to pay $74 to $153 monthly for liability only and full coverage car insurance, respectively.

Arrowhead offered the cheapest policy we found, with rates as little as $22 per month.

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

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2003 Lincoln LS Car Insurance

   
Liability Only Avg. Premium$86
Full Coverage Avg. Premium$130
Base MSRP$31,860
Cheapest Insurance CompanyMercury - $18/mo.
Available TrimsLS

You can expect full coverage for a 2003 LS to run around $130 monthly, while liability only coverage will average about $86 a month.

With rates sometimes as little as $18 monthly, Mercury offered the most affordable policy we found.

Want to know exactly what your auto insurance premium will be? Just enter your ZIP code below to get lots of personalized quotes for free.

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2002 Lincoln LS Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$164
Base MSRP$33,320
Cheapest Insurance CompanyGainsco - $22/mo.
Available TrimsLS

The average cost to insure a 2002 Lincoln LS with liability only coverage is $73 a month, while full coverage runs around $164 per month.

With prices as little as just $22 monthly, Gainsco offered the cheapest policy we found for the 2002 Lincoln LS.

While these are good estimates of what the average driver might pay to insure a 2002 Lincoln LS, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2001 Lincoln LS Car Insurance

   
Liability Only Avg. Premium$82
Full Coverage Avg. Premium$138
Base MSRP$32,290
Cheapest Insurance CompanyMetLife - $18/mo.
Available TrimsLS

On average, drivers who own a 2001 LS can expect to pay $82 to $138 per month for liability only and full coverage car insurance, respectively.

MetLife has premiums as cheap as $18 a month for the 2001 Lincoln LS.

While these are good estimates of what the average driver might pay to insure a 2001 Lincoln LS, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2000 Lincoln LS Car Insurance

   
Liability Only Avg. Premium$69
Full Coverage Avg. Premium$112
Base MSRP$31,415
Cheapest Insurance CompanyElephant - $19/mo.
Available TrimsLS

2000 Lincoln LS drivers can expect to pay an average of $69 monthly for liability or $112 for full coverage.

We found Elephant offered the most affordable policy, with rates as low as just $19 per month.

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

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Lincoln LS Insurance FAQs

Is a Lincoln LS expensive to insure?

When compared to the national average of all cars, premiums come in on the lower end of the spectrum. Liability insurance runs an average of $76 a month, while full coverage will cost you around $143.

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

The only way to guarantee you're getting the lowest price on insurance is to check prices regularly and compare quotes from a bunch 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 prices from numerous carriers 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 LS affect my insurance premiums?

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 multiple factors car insurance companies consider when they calculate how much you'll pay, but the color of your Lincoln LS is not one of them.

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

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid insurance for it. Some dealerships may offer you an insurance policy as part of the car-buying process, but the best thing to do when buying a a new car is to let your auto insurance carrier know before you buy.

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

You will find a ton of discounts out there for insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the LS you drive, but if your LS has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. To learn more about which discounts you might qualify for, contact your insurance company and ask about their discounts.

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