Lincoln Auto Insurance (2024)
Lincoln insurance rates are affordable despite luxury coverage costing more than a standard policy. Lincoln auto insurance costs around $154/mo. A Lincoln MKX is the cheapest Lincoln to insure, but Lincoln MKZ insurance costs more than any other Lincoln. We'll help you find cheap Lincoln car insurance below.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Sep 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average Lincoln driver pays about $154 a month for full coverage auto insurance, though rates vary based on several factors
- For example, Lincoln MKZ insurance costs $163/mo, around 6% higher than the overall Lincoln average
- However, while insurers consider them luxury vehicles, auto insurance for a Lincoln is more affordable than similar brands
Lincoln auto insurance comes with higher rates than standard vehicles since it’s a luxury brand. Finding the best auto insurance for luxury cars means paying more for your Lincoln coverage, primarily due to higher repair and replacement costs. However, finding the right car insurance policy for your Lincoln ensures that your vehicle is protected from anything the road can throw at it.
While Lincoln auto insurance coverage is cheaper than other luxury brands, there are still ways to lower your Lincoln auto insurance payment. From finding discounts to enrolling in a telematics program, Lincoln drivers have plenty of options to save on their insurance.
Read on to learn more about cheap Lincoln car insurance coverage and how to lower your auto insurance. After, find free auto insurance quotes with as many companies as possible to get a policy that matches the quality of your Lincoln.
- Lincoln Auto Insurance
Types of Auto Insurance For Lincolns
Before you decide which company to shop from, you should understand what type of insurance you need. Most drivers buy either minimum insurance or full coverage policy. State minimum auto insurance requirements are the least amount of coverage you can purchase in your state and still drive. While it’s the cheapest option for insurance, Lincolns usually benefit from more coverage.
Full coverage is ideal for people with a car loan or lease or who own new or expensive vehicles. Many Lincolns come with hefty price tags, so full coverage is usually the best choice for insurance. A full coverage policy includes the following types of insurance:
- Liability: Liability auto insurance is the most commonly required insurance by state law and pays for injuries and damage you cause in an at-fault accident. It does not pay for your car repairs or medical bills.
- Collision: If you want your insurance to cover your car repairs after an accident, there’s collision auto insurance. Collision insurance also covers your vehicle if you hit a stationary object, like a parked car.
- Comprehensive: There’s a lot more than collisions that can damage your vehicle. Comprehensive auto insurance covers damage from things like theft, vandalism, fire, extreme weather, and floods.
- Personal injury protection/medical payments: Medical payments and personal injury protection (PIP) auto insurance pay for health care expenses after an accident. The type you can buy depends on your state.
- Uninsured/underinsured motorist: While most states require auto insurance, not all drivers follow the law. Uninsured motorist coverage protects you from people without enough coverage.
On top of these basic types of coverage, most companies also offer add-ons to increase the protection of your car. Popular add-ons for Lincolns include roadside assistance coverage, gap insurance, rental car reimbursement, and OEM parts cgoverage. Be careful about adding too much coverage to your policy — add-ons can significantly increase your rates.
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Cost of Lincoln Auto Insurance
How much does Lincoln auto insurance cost? As Ford’s luxury brand, Lincoln offers an appealing mix of high-end rides with affordable prices. While you’ll pay more for a Lincoln than you would with standard vehicles, they tend to be a little cheaper than many of their luxury competitors.
Read more: Ford Auto Insurance
Like all vehicle brands, the amount you pay for Lincoln auto insurance depends on the model you buy. Older and cheaper models typically have lower insurance rates than their newer, more expensive counterparts.
You’ll also pay higher insurance prices simply because Lincoln is a luxury brand. Luxury cars are built with more expensive materials, have some delicate systems, and come with the latest technology, all of which translates to higher repair costs.
To see how much you might pay for Lincoln auto insurance, check the average rates for different models below.
Average Monthly Lincoln Full Coverage Auto Insurance Rates by Model
| Vehicle Model | Monthly Insurance Rates |
|---|---|
| 2023 Lincoln Navigator | $159 |
| 2023 Lincoln MKZ | $163 |
| 2023 Lincoln MKX | $144 |
| 2023 Lincoln MKT | $162 |
| 2023 Lincoln MKC | $145 |
As far as luxury insurance is concerned, Lincolns have fairly affordable car insurance rates compared with other brands. For example, the best auto insurance for a Porsche is about 30% more expensive than you’d pay for a Lincoln.
Factors that Affect Lincoln Auto Insurance Rates
You saw above that the model you buy plays an integral role in your auto insurance rates, but several other factors affect your policy. When you’re buying Lincoln auto insurance, companies will look at the following factors:
- Credit score: Auto insurance companies can use your credit score to form rates in most states. The higher your credit score, the lower your Lincoln car insurance rates will be. Learn more about auto insurance and your credit score.
- Location: One of the most important aspects of your Lincoln car insurance rates is where you live. Auto insurance companies keep careful track of claim numbers by location, so you can see vastly different rates by moving even a single ZIP code.
- Marital status: Married couples tend to file fewer claims than single drivers, so Lincoln insurance companies typically give them a small discount.
- Driving history: Drivers with traffic incidents like speeding tickets, at-fault accidents, or DUIs on their record pay more for auto insurance. If you have too many incidents, you might need high-risk auto insurance.
- Age and gender: Two more demographics carefully track is age and gender. Average auto insurance rates by age show men and young drivers pay more for insurance because they are more likely to file claims, but the price gap lessens with age.
Aside from these factors, the amount of coverage you want to buy also plays a big part in your rates. The more coverage you buy, the more you’ll pay.
How To Save on Lincoln Auto Insurance
How do you save on Lincoln auto insurance? The best Lincoln auto insurance is always more expensive than standard coverage, but there are plenty of ways to save on your policy. To find the lowest rates possible, try the following tips:
- Enroll in a telematics program. Most companies offer a usage-based auto insurance program to help low-mileage drivers and people who regularly practice safe habits save. Depending on the Lincoln insurance company, you can save up to 40%. Read more about how to get a low-mileage auto insurance discount from the top companies.
- Look for discounts. Most Lincoln insurance companies offer auto insurance discounts to help their customers save. When you’re shopping for Lincoln insurance coverage, the number of available discounts a company has should play into your decision.
- Increase your auto insurance deductible. Your deductible is the amount you have to pay before your auto insurance kicks in. If you choose a larger deductible, you’ll pay a little less for insurance. Learn more about auto insurance deductible defined.
- Maintain a clean record. One of the best ways to keep auto insurance rates for your Lincoln low is to keep your driving record clean. If you get a traffic citation, it’s imperative that you avoid adding additional infractions.
While these tips are a great way to save on your Lincoln car insurance, the most important thing to do to find low rates is to compare Lincoln insurance quotes with as many auto insurance companies as possible.
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Find the Best Lincoln Auto Insurance Today
Although luxury brands have higher insurance costs, Lincolns are usually more affordable than some of its competitors. Despite being an affordable brand to insure, there are plenty of ways to increase your savings and get cheap auto insurance for your Lincoln.
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One of the most important steps in finding affordable Lincoln coverage is to compare rates from the best auto insurance companies for Lincolns. If you don’t compare rates, you’ll likely overpay for your insurance.
Frequently Asked Questions
Are Lincoln’s more expensive to insure?
Like all luxury brands, Lincolns tend to have higher insurance costs than standard vehicles. While there are many factors that affect auto insurance rates for Lincoln vehicles, the primary cause is repair and replacement costs.
Which company has the cheapest auto insurance for Lincolns?
The cheapest auto insurance company for your Lincoln depends on several factors, including your age, location, and driving history. However, State Farm, Geico, and Progressive tend to have low prices.
Read More:
How much does auto insurance cost for Lincoln MKZ?
Lincoln MKZ auto insurance is some of the most expensive compared to other Lincoln models, averaging $163 a month. You might pay much more or less depending on your unique circumstances.
How much is insurance for Lincoln MKT?
It costs around $162 monthly for Lincoln MKT auto insurance.
Are there specific insurance companies named Lincoln that offer auto insurance?
Yes, there are insurance companies named Lincoln that offer auto insurance coverage. One example is Lincoln Financial Group, which is primarily known for its life insurance and retirement products but also provides auto insurance policies.
Can I get auto insurance for my Lincoln in all states?
The availability of Lincoln car insurance may vary depending on the specific Lincoln insurance company and the states in which they operate. Some insurance companies may offer coverage nationwide, while others may have limitations or only operate in certain regions.
We recommend checking with the insurance company directly or visit their official website to determine if Lincoln auto insurance is available in your state.
What car insurance coverage types can you get for your Lincoln?
Typical coverage options offered by various Lincoln insurance companies include liability coverage, collision coverage, comprehensive coverage, medical payments coverage, uninsured/underinsured motorist coverage, and additional add-ons or endorsements depending on your needs and preferences.
How can I obtain a quote for Lincoln auto insurance?
Enter your ZIP code into our free quote comparison tool below to compare quotes from various Lincoln insurance companies.
Are there any discounts available with Lincoln auto insurance?
The availability of discounts may vary depending on the Lincoln insurance company and their offerings.
However, many insurance companies, including those with the name “Lincoln,” provide various discounts to policyholders. These discounts may include safe driver discounts, multi-policy discounts, multi-vehicle discounts, good student discounts, and discounts for certain safety features in your vehicle.
It’s advisable to inquire with the insurance company about the discounts they offer to get cheap Lincoln car insurance coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.