Buy Cheap Lincoln Auto Insurance in (2025)
Full coverage auto insurance for a Lincoln costs an average of $155/mo, but rates vary depending on what model you own. It will be easier to find cheap Lincoln auto insurance for a Lincoln MKX, which costs an average of $144/mo to insure, versus a Lincoln MKZ, which costs an average of $163/mo.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Nov 27, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Nov 27, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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
- On average, the most expensive Lincoln model to insure out of all the Lincoln models is the Lincoln MKZ
- On average, the cheapest Lincoln models to insure are the Lincoln MKX and the Lincoln MKC
- Drivers with poor driving records or young drivers will pay more on average for Lincoln auto insurance
How much is insurance for a Lincoln? Average rates for a full coverage policy tend to fall around $150 a month, but rates will change based on what Lincoln model you own. When looking to buy cheap auto insurance, your choice of insurance coverages and choice of insurance company will impact what you pay for cheap Lincoln auto insurance.
If you are looking to find cheap Lincoln auto insurance, continue reading. We go over everything from what Lincoln auto insurance coverages you’ll need to steps you can take to save on Lincoln auto insurance.
Types of Auto Insurance for Lincolns
Depending on what state you live in, you may have to carry some or all of the following auto insurance coverages on your Lincoln. You can read our guide on minimum auto insurance required by state to find out exactly what coverages you must carry on your Lincoln.
- Bodily injury liability insurance: This type of liability car insurance will pay for other parties’ medical bills if you cause an accident that injures other people.
- Medical payments (MedPay) insurance: This insurance will pay the medical bills of you and your passengers, up to the policy limit, if you are injured in an accident.
- Personal injury protection (PIP) insurance: This insurance will pay the medical bills of you and your passengers up to the policy limit, as well as lost wages and childcare if you are injured in an accident.
- PLPD insurance: This insurance will pay for other parties’ property damage bills if you cause an accident that damages others’ property.
- Underinsured motorist insurance: This insurance will pay for your accident bills if the driver who hit you doesn’t have enough insurance to cover your bills.
- Uninsured motorist insurance: This insurance will pay for your accident bills if the driver who hit you doesn’t have any insurance coverage at all.
Besides state-mandated auto insurance coverages, if you have a lease or loan on your Lincoln, you will have to carry collision and comprehensive auto insurance so that the lender’s asset is protected. Even if not required, you should consider carrying these coverages to ensure that your Lincoln’s repairs are covered after an accident.
Collision insurance pays for your car’s repairs if you hit an object like a fence or another vehicle, so it’s well worth the money. Comprehensive insurance pays for your Lincoln’s repairs if you hit an animal. It also pays for car repairs if your Lincoln is damaged by weather, vandalism, or falling objects, all of which are events outside of your control.
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Lincoln Auto Insurance Rates
So how much will the required coverages on your Lincoln cost? While a minimum liability insurance policy is the cheapest, you are skipping out on collision and comprehensive insurance, so your own car repairs won’t be covered if you cause an accident. Take a look at the average rates below to see what the different coverages cost for Lincoln models.
Lincoln Average Monthly Auto Insurance Rates by Model and Coverage Type
| Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Lincoln Navigator | $34 | $67 | $42 | $159 |
| 2023 Lincoln MKZ | $31 | $67 | $47 | $163 |
| 2023 Lincoln MKX | $28 | $58 | $42 | $144 |
| 2023 Lincoln MKT | $36 | $61 | $47 | $162 |
| 2023 Lincoln MKC | $30 | $58 | $42 | $145 |
On average, the Lincoln MKZ has some of the most expensive auto insurance rates out of all the Lincoln models. The models that have some of the cheapest auto insurance rates, on average, are the Lincoln MKX and the Lincoln MKC. Find out why the make and model of cars is important to insurance companies when determining how much you’ll pay.
Generally, Lincoln models that are more expensive will cost more to insure, as the parts for repairs will be more expensive. Besides the cost of your Lincoln, your driving record and age will also impact how much you pay for auto insurance. Below, you can see how rates change based on these factors.
Lincoln Average Monthly Auto Insurance Rates by Driving Age and Record
| Vehicle Model | High Risk Driver | 20-Year-Old Driver | 30-Year-Old Driver | 40-Year-Old Driver | 50-Year-Old Driver | 60-Year-Old Driver |
|---|---|---|---|---|---|---|
| 2023 Lincoln Navigator | $338 | $359 | $165 | $159 | $145 | $142 |
| 2023 Lincoln MKZ | $346 | $368 | $170 | $163 | $148 | $145 |
| 2023 Lincoln MKX | $307 | $326 | $150 | $144 | $131 | $129 |
| 2023 Lincoln MKT | $344 | $366 | $169 | $162 | $147 | $144 |
| 2023 Lincoln MKC | $309 | $329 | $151 | $145 | $132 | $130 |
If you have a poor driving record, the best thing you can do to decrease your rates over time is to avoid additional at-fault accidents, DUIs, and traffic tickets. If you are a young driver, you can look for discounts like good student discounts or safe driver discounts at your auto insurance company. Learn how to buy auto insurance.
Tips for Saving on Lincoln Auto Insurance
If you are stressed about the cost of auto insurance for your Lincoln, there are a few tips and tricks you can try to get the best Lincoln auto insurance. Below are our best tips for saving on Lincoln auto insurance policies.
- Applying for auto insurance discounts. Sometimes insurance companies will offer auto insurance discounts that you may have missed because you have to apply for them to get more savings, such as a safe driver discount or a good student discount.
- Raise your auto insurance deductible. Insurance companies will lower your auto insurance rates if you raise your auto insurance deductible because you are taking on more financial risk. Just make sure you can still pay the deductible amount out of pocket.
- Shop around for auto insurance quotes. Comparing rates from quotes from different companies is the best way to ensure you are getting the cheapest rate. Learn how to save on auto insurance by getting multiple insurance quotes.
As well, keeping a clean driving record will go a long way to reducing your rates at your auto insurance company. Drivers with clean driving records are seen as less likely to get into an accident and file a claim, so insurance companies charge less as a result.
The Final Word on Cheap Lincoln Auto Insurance
Lincoln insurance cost is about $150 per month for a full coverage policy, but bear in mind that this is just an average. It is easier for older drivers with a clean driving record to find cheap auto insurance rates for their Lincoln, but every driver can usually find savings by shopping around for quotes and looking for discounts.
If you want to start looking into cheap auto insurance quotes for your Lincoln, use our free quote comparison tool. It will help you find cheap Lincoln auto insurance rates from companies in your area.
Frequently Asked Questions
Are Lincolns expensive to insure?
Lincoln’s auto insurance rates are about average, but rates can be higher or lower depending on your driving record, age, location, and other factors.
What company has the cheapest insurance for Lincolns?
Companies that have cheaper rates on average for most drivers are USAA, State Farm, and Geico.
How much does Lincoln MKZ auto insurance cost?
The average rate for a full coverage policy for a Lincoln MKZ is about $160 a month. However, your rate may be higher or lower depending on what model year you own, your driving record, and other factors.
Are there any specific discounts available for Lincoln auto insurance?
Yes, insurance providers often offer various discounts for Lincoln auto insurance. Some common discounts include:
- Safe driver discount: If you have a clean driving record without accidents or traffic violations, you may be eligible for a safe driver discount.
- Multi-car discount: If you insure multiple vehicles with the same insurance provider, you might qualify for a multi-car discount, which can result in lower premiums.
- Good student discount: Students who maintain good grades may be eligible for a discount on their auto insurance.
- Safety features discount: If your Lincoln vehicle is equipped with safety features such as anti-lock brakes, airbags, or an anti-theft system, you may be eligible for a discount.
- Bundling discount: If you bundle your auto insurance with other policies, such as home or renters insurance, you may receive a discount on all the bundled policies.
- Affiliation discounts: Some insurance companies offer discounts to members of certain organizations or professional groups.
Can I get cheap Lincoln auto insurance without compromising coverage?
While finding cheap auto insurance is important, it’s crucial not to compromise on coverage. It’s essential to have adequate protection in case of accidents or other unforeseen events. To balance affordability and coverage:
- Compare quotes: Obtain multiple quotes from different insurance providers and compare the coverage options they offer. Look for the best value rather than solely focusing on the lowest price.
- Understand your needs: Evaluate the coverage requirements specific to your situation. Consider factors like the value of your vehicle, your driving habits, and potential risks in your area. Ensure your policy covers these adequately.
- Read the policy terms: Carefully review the terms and conditions of the insurance policy, including coverage limits, deductibles, and any exclusions. Understand what is covered and what isn’t to avoid surprises.
- Seek professional advice: If you’re unsure about the coverage options, consult with an insurance agent or broker who can guide you through the process and help you find the right balance between cost and coverage.
What factors can affect the cost of Lincoln auto insurance?
Several factors can influence the cost of Lincoln auto insurance. These include:
- Age and driving experience: Younger and inexperienced drivers tend to have higher insurance premiums compared to older, more experienced drivers.
- Vehicle type: The make, model, and year of your Lincoln vehicle can affect insurance rates. Expensive or high-performance cars usually have higher insurance costs.
- Location: Insurance premiums can vary based on your location. Areas with higher crime rates or higher instances of accidents may result in higher premiums.
- Driving record: Drivers with a history of accidents, traffic violations, or DUI convictions generally face higher insurance rates.
- Coverage and deductibles: The level of coverage and the deductible you choose will impact your premiums. Comprehensive coverage and lower deductibles usually result in higher costs.
- Credit history: Some insurance companies consider credit scores when calculating premiums. Those with better credit scores may enjoy lower rates.
- Annual mileage: The more you drive, the higher the likelihood of accidents. Insurance companies may adjust rates based on your estimated annual mileage.
Why are Lincoln vehicles so expensive to insure?
Most Lincolns have average auto insurance rates, but if your Lincoln auto insurance rates are very high, consider looking for a new provider to see if you can get a cheaper rate.
Compare Quotes From Top Companies and Save
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed 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.