Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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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…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Jun 9, 2020

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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, policies for Lincoln auto insurance tend to run a little higher because insurance providers are less keen on ensuring expensive, luxury vehicles. You still have an opportunity to get luxury coverage 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.

All About Lincoln Auto Insurance

Toyota has Lexus; Honda has Acura; and, of course, Ford has Lincoln. Each of these monolithic automotive manufacturers have 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 buy 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.

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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 Rates Legend: Lincoln Navigator Lincoln MKS Lincoln MKX California Florida Texas 20 40 60 80 100 120 140 160 180 200 220 240 $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 State Legend: Lincoln Navigator California Florida Texas New York Illinois 20 40 60 80 100 120 140 160 180 200 220 240 $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 and we’ll do all the hard work for you.

Popular Lincoln Models

See also: Ford Motor Company