Lincoln Auto Insurance Rates

Finding the best Lincoln auto insurance rates isn't hard to do, but there are a lot of things you should know to help get affordable car insurance that still meets your needs. Lincoln car insurance prices depend on your driving record, your age, your insurance company, and even your credit score. Where you live is important, too. The average cost of Lincoln Navigator auto insurance, for example, is $240 a month, but only $129 per month for Lincoln Navigator car insurance in Illinois. Remember that if you live in an area with high crime or heavy traffic, your Lincoln insurance rates will be higher. A great way to make sure you're getting the best insurance rate is to get quotes from several of the best auto insurance companies to compare.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Although they don’t necessarily advertise it all the time, Lincoln is a part of the Ford Motor Company — but it’s a high-end, luxurious, expensive part. Typically, Lincoln auto insurance rates tend to run a little higher because insurance providers are less keen on ensuring expensive, luxury vehicles.

You still have an opportunity to find cheap car insurance rates for your luxury vehicle without necessarily paying a luxury premium every single month, though — but you need to act fast. These deals won’t be around forever. And we’ll be happy to help you find them before they disappear.

One of the best ways to save on auto insurance coverage is to see multiple rates near you. Different companies offer promotional rates, and you can take advantage and save. Use our FREE comparison tool right now to get several of the best rates in your area.

All About Lincoln Auto Insurance

Toyota has Lexus; Honda has Acura; and, of course, Ford has Lincoln. Each of these monolithic automotive manufacturers has their luxury vehicle subdivisions, and today we were talking about the one that belongs to Ford: Lincoln. It was actually founded in 1917 as an independent manufacturer but was quickly absorbed by the larger and more successful Ford Motor Company in the early 1920s. While economic crises of recent years have forced Ford to divest from luxury brands like Jaguar, Volvo, Aston Martin, and Land Rover, the Lincoln brand is still selling strong under the Ford umbrella and reigns supreme as the only luxury vehicle brand in the company’s portfolio.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Insurance Quotes for Popular Lincoln Vehicles

Three of the most popular models in the Lincoln fleet today are the Lincoln Navigator, the Lincoln MKS, and the Lincoln MKX. Two of these are SUVs, with the Navigator being the full-size version and the MKX offering a smaller, more fuel-efficient option in the form of a crossover SUV. The MKS, on the other hand, is a full-size luxury sedan. Although the models are not exactly the same, many experts believe that the MKS is the spiritual heir to the Lincoln Town Car dynasty. However, a similar MKT town car model is available from Lincoln today.

Average Lincoln Car Insurance RatesLegend: Lincoln Navigator Lincoln MKS Lincoln MKX CaliforniaFloridaTexas 20406080100120140160180200220240$151$245$215$183$207$200$174$169$172

Comparing Insurance Rates for Lincoln Vehicles

As with any luxury vehicle, you’re going to have to be careful about auto theft if you want to keep your insurance rates low. Living in a less than safe neighborhood – as denoted by your ZIP code – can help your insurance provider figure out whether auto theft is a risk for you. Furthermore, the state you live in – and whether or not it’s local climate makes your vehicle susceptible to damage from hail, floods, and the like – can also have an influence on raising or lowering your monthly premiums.

Average Lincoln Auto Insurance Rates by StateLegend: Lincoln Navigator CaliforniaFloridaTexasNew YorkIllinois 20406080100120140160180200220240$151$183$174$240$129


But you shouldn’t let things like your location or the luxuriousness of your vehicle put you in despair. Nor should you accept an unnecessarily expensive insurance policy. Our Lincoln car insurance experts are standing by to help you find an affordable price with quality coverage from a reputable company you can trust. And we can do this in a matter of minutes – all you need to do is provide your ZIP code in our FREE comparison tool and we’ll do all the hard work for you.

Popular Lincoln Models

See also: Ford Motor Company

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption