How Much Is Lincoln Insurance by Model?
Discover how much you can expect to pay to insure your Lincoln.
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Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Lincoln Motor Company was founded in 1917. Today, it is the luxury vehicle division of Ford, and it first helped to establish the personal luxury car segment with the introduction of the 1940 Lincoln Continental. Lincoln’s current product line is made up of luxury crossovers and SUVs.
No matter what Lincoln model you drive, you’ll need the best car insurance you can find to protect your investment.
The average cost of Lincoln insurance is $1,605.08 per year. This is significantly higher than the national average cost of car insurance, which is $1,311 per year.
Our guide to Lincoln insurance provides cost information for Lincoln’s most popular models and several top-rated insurance companies. With the help of a local independent insurance agent, you can get quotes from multiple companies so you can get the coverage you need that fits your budget.
In this article:
How Much Does a Lincoln Cost to Insure by Model?
Are Lincolns Expensive to Insure?
Why Do Insurance Costs Differ Between Lincoln Models?
How Much Is Car Insurance for a Lincoln Continental?
How Much Is Car Insurance for a Lincoln MKC?
How Much Is Car Insurance for a Lincoln MKX?
How Much Is Car Insurance for a Lincoln MKZ?
How Much is Car Insurance for a Lincoln Navigator?
What Other Factors Affect Lincoln Insurance Costs?
How to Save the Most Money on Lincoln Insurance
How Much Does a Lincoln Cost to Insure by Model?
The cost to insure a Lincoln can vary depending on the model. If you’re looking to purchase a Lincoln, you’ll find that the Lincoln MKC is the cheapest to insure, with an average car insurance cost of $1,438 per year.
The most expensive Lincoln to insure among the insurance companies we reviewed is the Lincoln Continental, which has an average annual premium of $1,841.
We’ve broken down the insurance costs for several popular Lincoln models.
| Lincoln Model | Average Cost of Car Insurance Per Year |
|---|---|
| Lincoln Continental | $1,841 |
| Lincoln MKC | $1,438 |
| Lincoln MKX | $1,568.50 |
| Lincoln MKZ | $1,575.67 |
| Lincoln Navigator | $1,602.25 |
An independent insurance agent near you can help you find affordable car insurance for whatever type of Lincoln you drive.
Are Lincolns Expensive to Insure?
The cost to insure your Lincoln depends primarily on the model that you choose. In addition, the cost of Lincoln insurance varies by location, driving history, coverage options, and deductibles.
We compared popular Lincoln models and found that Lincolns are generally expensive to insure compared to many other car brands. This is not surprising, given Lincoln’s luxury brand status.
Why Do Insurance Costs Differ Between Lincoln Models?
Car insurance costs differ by model depending on several factors. Every Lincoln model has different safety ratings, repair costs, and theft rates. Newer model years, models that are more expensive, and models with more horsepower typically cost more to insure than their less expensive, older, or less powerful counterparts.
How Much Is Car Insurance for a Lincoln Continental?
Our research found that the Lincoln Continental is the most expensive Lincoln model to insure, with an average premium of $1,841 per year. Here's a look at some average insurance costs for this model from top-rated insurance carriers.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,526 |
| Erie | $1,767 |
| Plymouth Rock Assurance | $1,781 |
| USAA | $1,902 |
| Vermont Mutual | $2,229 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $153.42 | $1,841.00 |
How Much Is Car Insurance for a Lincoln MKC?
The Lincoln MKC has an average premium of $1,438 per year. According to our research, it's the least expensive Lincoln model to insure among the insurance companies we reviewed.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,105 |
| Vermont Mutual | $1,250 |
| Erie | $1,546 |
| USAA | $1,599 |
| Arbella | $1,690 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $119.83 | $1,438.00 |
How Much Is Car Insurance for a Lincoln MKX?
The Lincoln MKX has the second least expensive Lincoln insurance costs, with an average premium of $1,568.50 per year. Your rates may be above or below this average, depending on where you live, your age, your gender, and other factors.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,317 |
| Vermont Mutual | $1,343 |
| Erie | $1,610 |
| USAA | $1,658 |
| Plymouth Rock Assurance | $1,739 |
| Arbella | $1,744 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $130.71 | $1,568.50 |
How Much Is Car Insurance for a Lincoln MKZ?
The average cost to insure a Lincoln MKZ is $1,575.67 per year among the insurance companies we reviewed.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $1,286 |
| Vermont Mutual | $1,412 |
| Nationwide | $1,468 |
| USAA | $1,743 |
| Arbella | $1,751 |
| Plymouth Rock Assurance | $1,794 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $131.31 | $1,575.67 |
How Much Is Car Insurance for a Lincoln Navigator?
The Lincoln Navigator has an average annual insurance cost of $1,602.25, making it the second most expensive Lincoln model to insure among the insurance companies we reviewed.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,298 |
| Vermont Mutual | $1,477 |
| Erie | $1,703 |
| Plymouth Rock Assurance | $1,931 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $133.52 | $1,602.25 |
What Other Factors Affect Lincoln Insurance Costs?
The make and model of your car are two of the most important factors for determining your car insurance premiums. But numerous other factors also play a role in your car insurance premiums, including:
- Your age, gender, and marital status
- Your credit score
- Where you live
- The amount of coverage and deductible that you choose
Every insurance company has its own proprietary method for calculating insurance rates, which is why you’ll see a range of premiums for the same make and model. But most companies also offer a wide range of car insurance discounts that can help you save money on your car insurance premiums.
An independent insurance agent can help you find the best rates in your area and can help you make sure that you take advantage of all the discounts you are eligible for.
FAQs about Lincoln Insurance
We compared several Lincoln models and found that the average cost of insurance coverage is $1,605.08 per year. This is above the national average car insurance cost of $1,311 per year. Your Lincoln insurance costs will be above or below the average for the brand, depending on the model, model year, and several other factors.
We found that the Lincoln Continental is the most expensive model to insure. According to our research, the average annual insurance cost for a Continental is $1,841.
According to our research, the Lincoln MKC is the cheapest Lincoln model to insure. The average cost to insure an MKC is $1,438 per year. This is well below the national average car insurance premium of $1,311.
How to Save the Most Money on Lincoln Insurance
You can save the most money on Lincoln insurance by working with an independent insurance agent in your area. Independent agents can compare coverage and quotes from multiple insurance companies, allowing you to choose the best option for your needs and budget. Your agent will also help you maximize the discounts you can apply to your premium, getting you the best possible rate.
https://www.thezebra.com/auto-insurance/vehicles/lincoln/continental/
https://www.thezebra.com/auto-insurance/vehicles/lincoln/mkc/
https://www.thezebra.com/auto-insurance/vehicles/lincoln/
https://www.thezebra.com/auto-insurance/vehicles/lincoln/mkx/
https://www.thezebra.com/auto-insurance/vehicles/lincoln/mkz/
https://www.thezebra.com/auto-insurance/vehicles/lincoln/navigator/