Lincoln, the luxury car division of Ford, manufactures vehicles with sought-after high-end details. For many, owning a Lincoln is a dream. However, before you drive off the lot in your new car, you may want to make sure you have proper auto insurance coverage in place.

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The national annual average cost of car insurance is $1,674 for full coverage. However, car insurance for Lincolns typically costs more due to the luxury nature of the brand. Your premium will be affected by the insurance carrier you choose, which Lincoln model you own, your driving history, your age and what additional coverage you add, among other factors.

The premiums listed here are for 2019 models. Note that the Lincoln MKC and Lincoln Continental featured in this article have been discontinued for 2021, but the rate information in this article may still be helpful when shopping for insurance for these models.

Models included in this review:

  • Lincoln Continental
  • Lincoln MKZ
  • Lincoln MKC
  • Lincoln Navigator

How much does it cost to insure a Lincoln?

As mentioned, the national average cost of car insurance is $1,674 per year for full coverage. However, a number of factors impact your cost of car insurance. It may be helpful to shop around for coverage and to compare quotes. You may find that different carriers have different rates for the same amount of coverage and switching companies could save you money. Some of the factors that affect the Lincoln car insurance quotes you receive include:

  • Price of parts: Although Lincolns are largely domestically-made vehicles — which tend to have cheaper parts than foreign vehicles — Lincoln parts can be expensive due to Lincolns being luxury vehicles. As a result, Lincolns can be costly to repair. One study from RepairPal Institute found the Lincoln MKZ sedan to be the most expensive car model to repair.
  • Safety features: Many insurance companies offer discounts if the insured vehicle comes with certain safety features. Why? Safety features can help drivers avoid accidents and make the vehicle more difficult to steal. Since safety features make it less likely for a driver to have to file a claim, car insurance companies will likely charge a lower premium. Lincoln models typically come equipped with at least a few standard safety features, such as lane departure warning, electronic stability control and cross-traffic alert.

Car insurance for Lincolns: by model

The price of car insurance can vary widely based on a number of factors. The type of vehicle, your personal driving record, age and even credit score (in most states) can lower or raise your premiums. Bankrate’s insurance editorial team has obtained average quoted premium information from Quadrant Information Services on a variety of Lincoln models. If you are shopping for auto insurance for Lincolns, this information might help you make an informed decision about your coverage.

Car insurance for Lincoln Continental

The Lincoln Continental was discontinued for 2021. However, Continentals with model years 2020 and older are still available pre-owned. The rates below reflect premium data from Quadrant Information Services for 2019 Lincoln Continentals. The average annual full coverage premium for Lincoln Continentals comes in $375 over the national average cost of full coverage insurance. This premium may be higher than average since Lincolns typically have expensive parts and are expensive to repair. However, since Lincolns are equipped with top-of-the-line safety features, average insurance rates may remain lower than many other luxury vehicles.

Lincoln Continental car insurance Average annual premium
Minimum coverage $477
Full coverage $2,049

Car insurance for Lincoln MKZ

As with the Continental, Lincoln has discontinued production of the MKZ for 2021. The average car insurance rates for a 2019 MKZ are close to what you would pay on average for a Lincoln Continental. The MKZ may be slightly lower for full coverage due to the lower starting price for a base model.

Lincoln MKZ car insurance Average annual premium
Minimum coverage $479
Full coverage $1,940

Car insurance for Lincoln MKC

The compact luxury crossover known as the Lincoln MKC received a complete redesign and was renamed the Corsair in 2020. It is a 2021 IIHS Top Safety Pick if fitted with Adaptive Pixel LED headlamps. Full coverage for the model is the lowest of the four Lincolns reviewed.

Lincoln MKC car insurance Average annual premium
Minimum coverage $467
Full coverage $1,574

Car insurance for Lincoln Navigator

The Lincoln Navigator may be the top-of-the-line Lincoln to own, but insurance premiums are not significantly higher than its counterparts. The MSRP starts at $76,705, but the luxury SUV’s safety ratings are outstanding at five stars, potentially lowering the cost of coverage.

Lincoln Navigator car insurance Average annual premium
Minimum coverage $493
Full coverage $2,163

Cheapest car insurance companies for Lincolns

Finding the cheapest car insurance company is a priority for many drivers. Lincolns may be more expensive to insure than other vehicles due to the high-end nature of the standard features, but shopping around could help you find coverage for a lower price. The companies below are some of the largest and best car insurance companies in the nation. In the table, you can see how much variation there is when it comes to the prices for each model.

Average annual premium for full coverage by model

Car insurance company Lincoln Continental Lincoln MKZ Lincoln MKC Lincoln Navigator
Amica $1,593 $1,453 $1,223 $1,520
Erie $1,358 $1,340 $1,096 $1,374
Geico $1,747 $1,676 $1,303 $2,135
State Farm $1,573 $1,386 $1,283 $1,675
USAA $1,550 $1,774 $1,323 $1,791

Lincoln features that impact insurance costs

Lincoln’s vehicles are more expensive than many other car models due to the long list of luxury features they are equipped with. However, some safety features may help lower the cost of coverage. These features may vary depending on the model you choose. Some of Lincoln’s safety features include:

  • Air bags and rollover protection: Air bags with rollover protection remain inflated for a longer amount of time than standard air bags to better protect the driver and passengers in the event that a vehicle rolls over.
  • Blindspot monitoring: This system monitors vehicles and objects in a driver’s blindspot and alerts them via an audio or visual signal.
  • Lane-departure warning: This system alerts a driver if they have exited their lane, which helps eliminate accidents.
  • Rearview camera: This system helps a driver see any objects in their path when the vehicle is in reverse.
  • Daytime running lights: These lights allow a driver’s vehicle to be more visible during the day.

Other car insurance coverage for Lincolns

If you are shopping for the best car insurance company for Lincolns, cost is not the only feature to think about. Lincoln owners may have different insurance needs due to the luxury nature of their vehicles. Although you must purchase at least your state’s minimum coverage limits to drive legally, most insurance professionals recommend that you buy higher limits for additional protection. Lincoln owners may also want to consider additional coverage options such as roadside assistance to better protect themselves.

Adding comprehensive and collision coverage to your policy means that you are purchasing full coverage car insurance for your Lincoln. These coverages can help to pay for repairs or a replacement vehicle if your car is damaged or totaled in a covered loss.

Other optional coverages, like new car replacement, may also be worth adding. If your Lincoln is totaled in an accident, this endorsement might help you to replace your vehicle with a new version. Gap coverage is useful if you financed or leased a Lincoln, as it pays for the difference between your Lincoln’s depreciated value and the loan amount if your new vehicle is totaled.

Because a Lincoln is a luxury vehicle, talking with an agent or other licensed insurance professional about the coverage types you should consider purchasing may be helpful.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Lincoln of the following model types, commute five days a week and drive 12,000 miles annually:

  • Lincoln Continental
  • Lincoln MKZ
  • Lincoln MKC
  • Lincoln Navigator

These are sample rates and should only be used for comparative purposes.