Lincoln Insurance Rates

Lincoln Insurance Rates costs on average $179 per month, which equates to $2,144 per year. Lincoln is well-known for attracting sophisticated consumers, and the company makes vehicles in the high-end price bracket. Insurance rates tend to rise as a result of the higher-than-average price tag. Lincolns, on the other hand, are not typically targeted by vehicle thieves and have generally favorable safety ratings.

How a vehicle from Lincoln affects insurance costs

Lincoln Insurance Rates - Lincoln Logo

A car’s safety ratings, its probability of being stolen, and how expensive it is to replace or repair are all variables considered by insurance companies when setting the price of auto insurance.

Because of the high cost of a Lincoln, they are expensive to fix or replace, which has a negative influence on insurance rates; nevertheless, outstanding safety ratings and the fact that they do not appear on any most stolen car lists assist to keep your insurance premiums as low as they can.

Lincolns are covered by the majority of major insurance companies. If your Lincoln is an earlier model, such as a Mark VII or Mark VIII, check with your service provider. Prior to anything else, shop around for the finest deal from several insurers.

Are there any standout Lincoln models?

This vehicle is one of Lincoln’s most popular vehicles, with sales exceeding 200,000 units. In fact, Ford, Lincoln’s parent corporation, is having difficulty keeping up with demand. The reasons for this are obvious. A dual turbocharged 450-horsepower engine, a 10-speed gearbox, and a towing capacity of 8,700 pounds are among the features. Inside, the vehicle has “best in class” legroom in the second and third rows of the vehicle, as well as wireless charging and power outlets, and a heads-up display.

For example, new Navigators start at $72,555 MSRP and have auto insurance premiums of approximately $159 per month, which is around $600 per year higher than the national average but is still a very fair cost for such a high-priced vehicle.

Pros and cons of insuring a Lincoln


  • Not commonly targeted by thieves
  • Good safety ratings


  • A high purchase price means they are pricey to repair or replace

About the Lincoln brand

In 1917, Henry Leland, of Cadillac renown, created the Lincoln Motor Company. In the aftermath of financial difficulties, it was sold to Ford five years later. Lincoln created the famous Continental in 1939 while operating under its new parent firm. The Town Car was introduced 40 or so years later, and the Navigator was introduced in the 1990s.

With an aging consumer population in today’s market, Lincoln has updated its car designs in order to entice millennial shoppers. The Continental, in particular, is attracting a fresh wave of interest because it is comfortable, roomier, and attractive, just like a luxury automobile should be.

Lincoln car facts

  • Lincolns aren’t cheap: The lowest-priced model is the MKZ, which starts at $35,170. Pricier vehicles mean pricier insurance.
  • Fortunately, Lincoln cars don’t tend to attract car thieves, and they generally score solid crash safety ratings. These factors keep insurance prices down.
  • Lincoln has the oldest median buyer age, just ahead of Buick and Lexus.
  • You may want more than the bare minimum in liability coverage for your Lincoln, and you may choose to enhance your safety by purchasing comprehensive coverage.

What’s Lincoln Black Label?

Lincoln Lincoln’s “highest expression of design and service” is represented by Black Label vehicles. In addition to receiving exceptional service, clients who purchase a Black Label Lincoln will benefit from a private fitting room at the dealership or a liaison who will bring the showroom to them.

On the design front, Black Label cars are available in three distinct themes: Modern Heritage, which features a clean, classic design; Indulgence, which features a rich, luxurious design; and Center Stage, which features a design with dramatic flair.

Membership rights are also included with the Black Label models. Members receive complimentary vehicle washes, annual detailing, and a four-year maintenance plan as part of their membership.

Should You Buy A Lincoln?

It’s possible that your expensive Lincoln may come with equally expensive vehicle insurance, so make sure to search around to discover the cheapest deal.

Check out our review of Lexus Insurance Rates.