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

Lincoln Zephyr owners pay around $110 per month for their car insurance, on average. Check out our complete guide to find out how much insurance carriers might charge you to insure your Lincoln Zephyr.
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Quick Facts

  • A Lincoln Zephyr costs less than most other cars to insure.
  • Liability only auto insurance prices for a Zephyr tend to be about $77 monthly, while full coverage generally tends to be around $144.
  • Oasis is the cheapest car insurance carrier for a Zephyr with a national average of just $40 a month for liability only coverage.

Zephyr Overview

With 2006 models starting at $28,995, the Lincoln Zephyr is a great mid-level option for any driver.

We crunched the numbers on thousands of insurance quotes on, and we've found that Lincoln Zephyr auto insurance premiums run about $110 monthly, on average. But how does that compare to other vehicles on the market?

Current Base Price$28,995
Body Style(s)Car
Trim LevelsZEPHYR
Average Insurance Premium$110/mo.
Cheapest Insurance CompanyOasis

How Much is Car Insurance for a Lincoln Zephyr?

Vehicle Liability Only Full Coverage
Lincoln Zephyr$77$144
All Lincoln Models$76$157
All Cars$83$177
Average Insurance Premium$81$169

Based on the table above, when you compare the Lincoln Zephyr to other vehicles, insurance rates are lower than average. Zephyr drivers can expect to pay around $144 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $77 a month for liability only insurance (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other models, the Zephyr is slightly more affordable, with premiums about 8% lower than the other vehicle types offered by Lincoln. Likewise, coverage for the Zephyr is lower than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive prices than other cars.

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

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Who has the Cheapest Car Insurance for a Lincoln Zephyr?

Insurance Company Average Monthly Premium
American Family$36

Shopping around for a car insurance policy for your Lincoln Zephyr? You may be most interested in which company offers the lowest rates. While premiums can differ quite significantly depending on your driver profile, the most affordable average rates for liability only insurance are as cheap as $36 per month from American Family. The next lowest carrier is MetroMile, who offers car insurance as little as just $37 monthly.

Oasis, CarnegieGeneral, and Dashers round out the end of the top 5 list. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, your results might be different, since auto insurance companies look at a bunch of factors when calculating premiums. By reviewing quotes from a multitude of car insurance carriers 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 Zephyr?

There are a whole bunch of variables that insurance companies consider to decide how much to charge -- and every company weighs different pieces more heavily than others, so there's not one carrier that's the most affordable for each driver.

The sections below show a range of things auto insurance carriers 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$57
11-14 Years$83
15 Years or Older$69

The Lincoln Zephyr has been around for a while -- that means vehicle age can make a difference in what you end up paying for car insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Zephyr won't really fit this trend. However, as you can see in the table above, the most expensive Lincoln Zephyrs to insure are those that are 11 to 14 years old, while the cheapest models are Zephyrs that are 8 to 10 years old, on average.

Your Age

Age Average Monthly Premium

Your age is another variable that plays a big role in how much insurance companies will charge for auto insurance. In the table above, you'll see that drivers with more experience pay less for car insurance than young Zephyr drivers. Lincoln Zephyr drivers who are 18 to 24 actually pay $27 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group being 45-54 for Zephyr drivers.

Your Gender

Gender Average Monthly Premium

Because women are less likely to get speeding tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, insurance carriers will often charge women less than men. When it comes to Zephyr drivers specifically, women pay around 7% less than men a month for insurance.

Where You Live

State Average Monthly Premium
New York$149
North Carolina$37

You might already know that variables like what vehicle you drive and how old you are play a role in your auto insurance prices, but you may not realize that where you live can be just as important. Insurance is regulated on the state level and not nationally, so rates can shift quite a bit depending on which state you're located in.

For example, the average Lincoln Zephyr owner from New York pays about $149 per month for liability coverage. Meanwhile, the same Californian driver will pay less than 50% of that price, on average. 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 from state to state.

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Lincoln Zephyr Car Insurance Discounts

Regardless of what state you live in, what 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 policy.

Not every auto insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

  • Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
  • Multi-car discounts for having several vehicles on your auto policy
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
  • Multi-policy discounts for bundling your home and auto policies with the same carrier

These are just a few of the discounts car insurance companies offer, and sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

You obviously can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but you can influence some of it. Below are just a few of the things you can use to your advantage when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$195
1 Ticket$105
Multiple Tickets$95

It's no secret that insurance carriers offer the lowest rates to drivers with a history of responsible driving. It makes sense that if you get into a collision or get cited for speeding, car insurance prices will get higher. But exactly how much will these infractions cost you?

According to the table above, accidents will usually cost Zephyr drivers less than tickets, but both will result in a raise in rates. Lincoln Zephyr drivers with one ticket will pay about $105 monthly, while drivers with a single accident on their record pay an average of $88 per month (up $11 from the $77/mo. overall average). The rates only go higher the more tickets you get or collisions you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$55
2,501-5,000 Miles$74
5,001-7,500 Miles$90
7,501-10,000 Miles$81
10,000+ Miles$76

Another factor that affects your insurance rates is the total distance you drive annually. Those who drive less are more likely to go accident-free, so they'll usually be offered less expensive premiums. Based on the table above, you can see that Lincoln Zephyr owners who drive 10,000 miles or more pay $76 for car insurance, while those who drive fewer than 2,500 miles every year pay about $55 a month.

If you're one of those drivers who don't put very many miles on your Lincoln Zephyr each year, you might consider choosing a usage-based or pay-per-mile auto insurance policy. 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.

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How Do Lincoln Zephyrs Compare to Other Vehicles?

If you're considering buying a Lincoln Zephyr, you might be wondering how it compares to other vehicles. Auto insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

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

Lincoln Zephyr National Average
Liability Insurance$78$81
Full Coverage Insurance$144$169
Base MSRP$28,995$29,878
Average Annual Mileage10,36111,617

Overall, the Lincoln Zephyr has an average MSRP and is in line with the going rate for a new vehicle. The average vehicle price in the U.S. is $29,878, and the Zephyr comes in close to that at $28,995. And since it's been a few years since a new Zephyr model has been on the market, used prices are going to be even cheaper.

But while the purchase price runs about average, car insurance rates are slightly cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Lincoln Zephyr is around $25 a month cheaper than average, while liability only coverage is $3 cheaper per month.

However, it is worth noting that the Zephyr drivers tend to use their cars less than the average American driver, with only 10,361 annual miles for the average owner.

Lincoln Zephyr Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays for auto insurance. If you're considering buying a new vehicle and the Zephyr is one you're thinking about, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2006 Lincoln Zephyr Car Insurance

Liability Only Avg. Premium$78
Full Coverage Avg. Premium$144
Base MSRP$28,995
Cheapest Insurance CompanyCommonwealth Casualty - $20/mo.
Available TrimsZEPHYR

You can expect full coverage for a 2006 Zephyr to run about $144 monthly, while liability only coverage will average around $78 a month.

With premiums as low as just $20 monthly, Commonwealth Casualty offered the cheapest policy we found.

Want to know just how much you'll pay? Enter your ZIP code below to get a variety of free customized quotes.

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Lincoln Zephyr Insurance FAQs

Is a Lincoln Zephyr expensive to insure?

Liability insurance runs an average of $77 a month, while full coverage will cost you around $144. When compared to the national average of all vehicles, prices come in on the lower end of the spectrum.

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

The only way to confirm you're getting the lowest price on car insurance is to check prices regularly and compare quotes from a lot of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like let you compare premiums from many carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Lincoln Zephyr affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's just a myth. Even though there are lots of things insurance companies consider when they decide your auto insurance premium, the color of your vehicle is not one of them.

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

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) Zephyr off the dealership lot. As part of the buying process, some dealerships might offer you an auto insurance policy, but your best bet is letting your car insurance company know beforehand.

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

There are tons of discounts out there for insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are based less on your Lincoln Zephyr and more on you, but if your Zephyr has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The best way to find out is to get in touch with your insurance carrier and ask about their discounts, since they fluctuate quite a bit from carrier to carrier.

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