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Lincoln Insurance Rates

The average cost of car insurance for a Lincoln model is about $2,243 per year.

This is $18 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Lincoln insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Lincoln insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Lincoln Model

Model Good Driver Recent Accident Poor Credit
Lincoln Aviator Insurance Cost $2,954 $4,338 $5,075
Lincoln Continental Insurance Cost $2,234 $3,281 $3,838
Lincoln Corsair Insurance Cost $1,953 $2,867 $3,354
Lincoln MKZ Insurance Cost $2,232 $3,278 $3,835
Lincoln Nautilus Insurance Cost $1,880 $2,761 $3,229
Lincoln Navigator Insurance Cost $2,203 $3,234 $3,784

The cost to insure a Lincoln model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Lincoln, then see our insurance analysis and rankings for other makes and models here.

Lincoln Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $7,597 $11,155 $13,050
18 $7,080 $10,396 $12,161
19 $6,256 $9,187 $10,748
20 $5,455 $8,010 $9,371
21 $4,575 $6,718 $7,859
22 $4,456 $6,542 $7,654
23 $3,899 $5,724 $6,697
24 $3,704 $5,438 $6,362
25 $3,196 $4,693 $5,490
30 $2,490 $3,656 $4,277
35 $2,332 $3,424 $4,006
40 $2,243 $3,293 $3,852
45 $2,182 $3,204 $3,749
55 $2,002 $2,939 $3,438
65 $2,088 $3,066 $3,586
75 $2,635 $3,869 $4,526

Lincoln auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Lincoln models by state.

Average Lincoln Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $2,376 $3,451 $4,393
Alaska $1,965 $2,725 $2,648
Arizona $2,222 $3,212 $4,732
Arkansas $2,436 $3,828 $4,214
California $2,712 $4,797 $2,712
Colorado $2,531 $3,542 $4,495
Connecticut $3,234 $5,016 $6,366
Delaware $2,677 $3,568 $4,583
Florida $3,188 $4,410 $5,747
Hawaii $1,038 $1,409 $1,038
Idaho $1,804 $2,391 $2,907
Illinois $1,888 $2,853 $3,254
Indiana $1,940 $2,965 $3,327
Iowa $1,536 $2,107 $2,477
Kansas $2,044 $2,974 $3,478
Kentucky $2,955 $4,337 $5,122
Louisiana $3,793 $5,733 $6,216
Maine $1,434 $1,982 $2,927
Maryland $2,321 $3,378 $3,752
Massachusetts $1,861 $3,247 $1,861
Michigan $4,491 $6,844 $10,796
Minnesota $1,849 $2,465 $3,471
Mississippi $2,232 $3,183 $3,204
Missouri $2,103 $3,007 $3,950
Montana $2,138 $2,983 $3,472
Nebraska $1,808 $2,673 $2,904
Nevada $2,981 $4,422 $4,671
New Hampshire $2,074 $3,279 $4,145
New Jersey $2,285 $3,584 $4,691
New Mexico $2,333 $3,471 $3,603
New York $2,161 $2,721 $4,543
North Carolina $1,340 $2,302 $1,641
North Dakota $1,834 $2,787 $3,295
Ohio $1,634 $2,521 $2,585
Oklahoma $2,610 $3,738 $4,208
Oregon $2,376 $3,187 $3,807
Pennsylvania $2,001 $2,938 $3,437
Rhode Island $3,341 $4,900 $5,518
South Carolina $2,269 $3,144 $4,340
South Dakota $2,035 $2,933 $3,384
Tennessee $2,394 $3,524 $4,693
Texas $2,411 $3,483 $4,332
Utah $2,050 $2,874 $3,954
Vermont $1,578 $2,431 $2,570
Virginia $1,487 $2,283 $2,238
Washington $1,968 $2,672 $3,190
West Virginia $1,981 $2,836 $3,554
Wisconsin $1,974 $3,082 $3,516
Wyoming $1,843 $2,581 $2,748
Georgia $2,599 $3,886 $3,918