How Much is Insurance on a Lincoln Town Car?

Auto insurance rates for a Lincoln Town Car average $1,326 a year, or around $111 a month. Mature drivers with good driving records may find rates as low as $779 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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Key takeaways:

  • Full coverage costs around $1,326 a year or $111 each month
  • A liability-only policy costs around $532 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,847 a year or $404 each month
  • Good drivers can save as much as $547 a year by earning policy discounts
  • Lincoln Town Car insurance costs around $193 less per year than the average vehicle

Don’t stress about Lincoln Town Car insurance rates. Lincoln Town Car insurance costs around $193 less per year than the average vehicle. This is a much more affordable price than one might initially think when compared to other luxury sedans. The prices even lower if you own a second-generation Lincoln Town Car. Read on to learn what drivers can do to save on insurance rates for a Lincoln Town Car.

You can start comparing quotes for Lincoln Town Car car insurance rates from some of the best car insurance companies by using our free online tool now.

How much does full-size Lincoln Town car insurance cost?

The average auto insurance rates for a Lincoln Town Car cost $1,326 a year or $111 a month.

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Are Lincoln Town cars expensive to insure?

The chart below details how Lincoln Town Car insurance rates compare to other luxury cars like the Lexus GS 300, Audi S6, and Lexus ES 350.

Vehicle Comprehensive Collision Liability Total
Lexus GS 300 $344 $656 $338 $1,474
Audi S6 $444 $894 $398 $1,894
Lexus ES 350 $362 $656 $316 $1,470
Jaguar XF $406 $804 $398 $1,766
Mercedes-Benz C300 $404 $718 $372 $1,652
Jaguar XE $382 $774 $398 $1,712
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However, there are a few things you can do to find the cheapest full-size Lincoln auto insurance rates online.

What impacts the cost of Lincoln Town car insurance?

The trim and model you choose will affect the total price you will pay for insurance coverage.

Age of the Vehicle

Older models generally cost less to insure. For example, auto insurance for a 2011 Lincoln Town Car costs $1,326, while 2010 Lincoln Town Car insurance costs are $1,292, a difference of $34.

Model Year Comprehensive Collision Liability Total
2011 Lincoln Town Car $242 $466 $460 $1,326
2010 Lincoln Town Car $234 $436 $464 $1,292
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Driver Age

Driver age can have a significant effect on car insurance rates. As an example, a 30-year-old driver pays around $58 more each year for their car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on insurance rates. For example, drivers in Jacksonville may pay $796 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of auto insurance. Teens and drivers in their 20’s see the highest jump in their auto insurance rates with violations on their driving record.

What are the safety ratings?

Your auto insurance rates are tied to the town car’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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What are the crash test ratings?

The crash test ratings of the Lincoln Town Car can impact your car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2011 Lincoln Town Car 4 DR RWD N/R N/R N/R 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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What are the Lincoln Town car safety features?

Having a variety of safety features on your town car can help lower your insurance costs. The Lincoln Town Car’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag On/Off Switch
  • Passenger Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Auto-On Headlights
  • Child Safety Locks
  • Adjustable Pedals
  • Traction Control

What is the cost of Lincoln Town Car finance and insurance?

If you are financing a Lincoln Town Car, you will pay more if you purchase auto insurance at the dealership, so be sure to shop around and compare Lincoln Town Car auto insurance quotes from the best companies using our FREE tool below.

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What are some good ways to save on Lincoln Town Car insurance?

There are many ways that you can save on car insurance. Below are five actions you can take to find cheap auto insurance rates.

  • Ask Your Insurance Company About Discounts
  • Ask About Discounts If You Were Listed on Someone Else’s Policy
  • Buy A Second-Generation Lincoln Town Car
  • Buy a Dashcam
  • Remove Young Drivers from Your Car insurance Plan

What are the top Lincoln Town Car insurance companies?

Who is the best company for Lincoln Town Car insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lincoln Town Car insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lincoln Town Car offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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