- A Lincoln Nautilus is less expensive to insure compared to the average SUV.
- Liability only car insurance rates for a Nautilus run around $76 per month, while full coverage normally runs about $119 monthly.
- Infinity provides the most affordable average premiums for a Nautilus with liability only coverage offered for as little as just $41 per month.
In This Article
The Lincoln Nautilus is a mid-level SUV with broad appeal, with 2021 models starting at $41,940. With three different trim levels currently available, there's a style for every driver.
We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've determined that average Lincoln Nautilus insurance premiums run around $116 a month. But how does that stack up to other similar SUVs out there on the market?
|Current Base Price||$41,940|
|Trim Levels||NAUTILUS, BLACK LABEL, RESERVE|
|Average Insurance Premium||$116/mo.|
|Cheapest Insurance Company||Infinity|
How Much is Car Insurance for a Lincoln Nautilus?
|Vehicle||Liability Only||Full Coverage|
|All Lincoln Models||$76||$157|
|Average Insurance Premium||$81||$169|
In the table above, you'll see that compared to other vehicles, Lincoln Nautilus insurance prices are below average. Nautilus owners can expect to pay about $76 monthly for liability insurance, and around $119 per month 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").
When compared to other Lincoln models, the Nautilus is more affordable, with rates more than 10% lower than the rest of the manufacturer's vehicle offerings. Similarly, coverage for the Nautilus is cheaper 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 SUVs.
When compared to all vehicles, regardless of body style, make, or model, the Nautilus follows a similar pattern of having below average auto insurance premiums.
Who has the Cheapest Car Insurance for a Lincoln Nautilus?
|Insurance Company||Average Monthly Premium|
If you're in the market for an auto insurance policy for a Lincoln Nautilus, you may want to know which company offers the cheapest rates. Although prices can change significantly depending on your driver profile, Infinity has the lowest average rates for liability only coverage, with rates as little as $41 a month. The runner up for cheapest rates is PlymouthRockNJ, with car insurance policies starting as low as just $110 monthly.
However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lincoln Nautilus.
Auto insurance companies take multiple factors into consideration when calculating monthly prices. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from numerous insurance carriers.
What Factors Affect Car Insurance Rates for a Lincoln Nautilus?
As we mentioned above, there are a range of things that auto insurance companies look at to determine how much they charge for a policy -- and each carrier weighs different factors more heavily than others, so there's not one single company that's the cheapest for every driver.
The following sections show a bunch of variables insurance carriers use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$76|
|2-3 Years||Not Enough Data|
|4-5 Years||Not Enough Data|
|6-7 Years||Not Enough Data|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
The Lincoln Nautilus has only been around for one model year, so vehicle age won't affect your cost in the same way it might for other vehicles. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Nautiluses begin to depreciate, insurance costs will gradually go down.
As you can see in the information above, Nautilus rates are typically about $76 per month.
|Age||Average Monthly Premium|
How old you are makes a significant difference in how much you pay for car insurance. Because the Lincoln Nautilus is pretty new to the market, we're just starting to collect data on how age is affecting insurance premiums. So far, based on the table above, young Nautilus drivers pay more expensive prices compared to drivers who have more experience.
Car insurance prices continue to decrease as you get older, with drivers aged 35-44 making up the cheapest age group for the Nautilus.
|Gender||Average Monthly Premium|
Did you know men tend to pay more for auto insurance than women? This is because men are more likely to get tickets and get into accidents, which increases the chances of an insurance claim. The Lincoln Nautilus follows this convention, and men pay around $69 more than women a month for car insurance. But due to the small sample size of Nautilus data, this pricing may not be representative of the rates you may see.
Where You Live
|State||Average Monthly Premium|
You may already know that factors such as what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live can be equally important? Because auto insurance is regulated at the state level, prices can fluctuate quite a bit depending on which state you're located in.
Because the Nautilus is a relatively new vehicle, our state data is somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than other states.
Lincoln Nautilus Car Insurance Discounts
Regardless of how old you are, what car you drive, or what state you live in, using as many discounts as possible when it comes to your car insurance policy is always in your best interest.
While no two insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:
- Multi-vehicle discounts for adding more than one car to your auto policy
- Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than in monthly installments
- Defensive driving discounts for taking a defensive driving class through an accredited school or institution
- 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
There are lots of other discounts out there for saving money on your auto insurance. Sometimes the best way to save is just by having a profile that looks good to car insurance carriers.
While you may not be able to control every factor auto insurance companies reference to calculate rates (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the things you can use in your favor when it comes to saving money:
Your Driving Record
|Infractions||Average Monthly Premium|
|1 Accident||Not Enough Data|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
It's no secret that car insurance carriers offer the most affordable premiums to drivers with clean records. It should be no surprise that your insurance rates will go up if you get into an accident or get a ticket for speeding. But exactly how much can it cost you for these infractions?
Unfortunately, we don't have enough data on file for Lincoln Nautilus drivers specifically, since it is a relatively new SUV. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost Nautilus drivers when it comes to auto insurance.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another variable that plays a big role in your car insurance premiums is the amount of miles you drive. Those who are on the roads less have fewer opportunities to get into an accident, so they'll usually be offered lower prices. Since the Lincoln Nautilus is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect rates. So far, the most expensive rates are offered to drivers who drive 7,500 - 10,000 miles a year.
If you don't use your Lincoln Nautilus to travel or commute regularly, it may be worth learning about pay-per-mile or usage-based insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Lincoln Nautiluses Compare to Other Vehicles?
If you're thinking about purchasing a new SUV and a Lincoln Nautilus is on your shortlist, it might be helpful to do your due diligence. Insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering.
Check out the table below to see how the Lincoln Nautilus compares:
|Lincoln Nautilus||National Average|
|Full Coverage Insurance||$130||$169|
|Average Annual Mileage||4,025||11,617|
As you can see, the Lincoln Nautilus is right on par with the average vehicle price here in the U.S. The Nautilus's $46,296 base MSRP is right on trend with the national average of $41,940.
Liability insurance for a Lincoln Nautilus is, while full coverage is over $30 less monthly.
When it comes to usage, Lincoln Nautilus drivers are much lower than the national average in annual miles driven, with 4,025 miles per year compared to 11,617 for all vehicles.
Lincoln Nautilus Car Insurance Costs by Model Year
You've seen how different variables can have an impact on how much the average driver pays for auto insurance. But if you're considering buying a new vehicle and the Nautilus is one you're thinking about, knowing how much your vehicle will likely cost is extremely valuable as you weigh your choices.
2020 Lincoln Nautilus Car Insurance
|Liability Only Avg. Premium||$41|
|Full Coverage Avg. Premium||$91|
|Cheapest Insurance Company||Infinity - $41/mo.|
|Available Trims||BLACK LABEL, NAUTILUS, RESERVE|
2020 Lincoln Nautilus drivers can expect to pay an average of $41 per month for liability or $91 for full coverage.
If you're looking for the lowest possible 2020 Lincoln Nautilus insurance policy, Infinity offered the cheapest policy we found, with rates sometimes as cheap as $41 a month.
If you're looking for a more exact figure on what you should pay for insurance for a 2020 Lincoln Nautilus, you can get free quotes in minutes by just entering your ZIP code below.
2019 Lincoln Nautilus Car Insurance
|Liability Only Avg. Premium||$110|
|Full Coverage Avg. Premium||$137|
|Cheapest Insurance Company||PlymouthRockNJ - $110/mo.|
|Available Trims||BLACK LABEL, NAUTILUS, RESERVE, SELECT|
It costs about $110 monthly for liability or $137 for a full coverage policy for the 2019 Nautilus.
PlymouthRockNJ offered the most affordable policy we found, with rates as cheap as $110 a month.
Want to find the best rates? Get multiple free customized quotes by just entering your ZIP code below.
Lincoln Nautilus Insurance FAQs
Is a Lincoln Nautilus expensive to insure?
Compared to the national average of all vehicles, prices come in on the cheaper end of the spectrum. Liability insurance runs an average of $76 per month, while full coverage will cost you around $119.
How can I get the best price on car insurance for my Lincoln Nautilus?
There's only one way to be confident you're getting the lowest rates -- regularly shopping around and comparing quotes from a whole range of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a wide 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 Nautilus affect my insurance premiums?
Have you heard the old adage that it costs more to insure a red car before? Well, that's actually a myth. Even though there are many factors car insurance companies think about when they decide how much to charge you, the color of your vehicle is not factored into that equation.
Do I need to have insurance before I buy a Lincoln Nautilus?
You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) Nautilus off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but the best thing to do when buying a a new SUV is to talk with your auto insurance carrier ahead of time.
What car insurance discounts can I get for my Lincoln Nautilus?
You will find several different discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the car you drive, but if your Nautilus has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to be certain is to get in touch with your insurance company and ask about which discounts they offer, since they differ quite a bit from carrier to carrier.