Insurance for Lincoln Vehicles

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Luke Williams

Insurance and Finance Writer

Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications.  His insurance and finance writing has been featured on Spoxor, The Good Men Proje...

Insurance and Finance Writer

UPDATED: May 5, 2023

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The table below lists average insurance rates for Lincoln vehicles. Other models are shown at the end of this page

Insurance Rates for Lincoln Vehicles
Vehicle Model Annual Premium Monthly Premium
Lincoln MKC $1,492 $124
Lincoln MKS $1,560 $130
Lincoln MKT $1,660 $138
Lincoln MKX $1,478 $123
Lincoln MKZ $1,666 $139
Lincoln Navigator $1,638 $137
Get Rates for Your Model Go

Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

View Chart as Image

Average insurance cost for Lincoln vehicles
Column chart showing average insurance prices for Lincoln vehicles range from $893 to $5,744 for full coverage

The above chart uses the average vehicle rating data for all Lincoln vehicles in the above table to showcase how variations in coverage can affect car insurance prices.

Insurance rates for a Lincoln are quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $710 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $335 more per year

View Chart as Image

Lincoln insurance by deductible and liability limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,500 every 12 months on average for full coverage. Rates are highest for teenage drivers, since even excellent drivers can expect to pay at least $5,700 a year.

If you have some driving violations or you were responsible for an accident, you are likely paying $1,900 to $2,500 extra each year, depending on your age. Lincoln insurance for high-risk drivers is expensive and can cost around 44% to 134% more than average.

View Chart as Image

Lincoln insurance by risk and age

The state you live in also has a big influence on Lincoln insurance rates. A middle-age driver might find rates as low as $1,210 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,270 on average in Louisiana, Montana, and Michigan.

Lincoln Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,430 -$150 -9.5%
Alaska $1,214 -$366 -23.2%
Arizona $1,310 -$270 -17.1%
Arkansas $1,580 -$0 0.0%
California $1,802 $222 14.1%
Colorado $1,510 -$70 -4.4%
Connecticut $1,624 $44 2.8%
Delaware $1,790 $210 13.3%
Florida $1,980 $400 25.3%
Georgia $1,458 -$122 -7.7%
Hawaii $1,136 -$444 -28.1%
Idaho $1,070 -$510 -32.3%
Illinois $1,178 -$402 -25.4%
Indiana $1,190 -$390 -24.7%
Iowa $1,066 -$514 -32.5%
Kansas $1,502 -$78 -4.9%
Kentucky $2,156 $576 36.5%
Louisiana $2,340 $760 48.1%
Maine $976 -$604 -38.2%
Maryland $1,306 -$274 -17.3%
Massachusetts $1,266 -$314 -19.9%
Michigan $2,746 $1,166 73.8%
Minnesota $1,324 -$256 -16.2%
Mississippi $1,894 $314 19.9%
Missouri $1,402 -$178 -11.3%
Montana $1,698 $118 7.5%
Nebraska $1,248 -$332 -21.0%
Nevada $1,894 $314 19.9%
New Hampshire $1,140 -$440 -27.8%
New Jersey $1,768 $188 11.9%
New Mexico $1,400 -$180 -11.4%
New York $1,666 $86 5.4%
North Carolina $910 -$670 -42.4%
North Dakota $1,292 -$288 -18.2%
Ohio $1,090 -$490 -31.0%
Oklahoma $1,624 $44 2.8%
Oregon $1,448 -$132 -8.4%
Pennsylvania $1,510 -$70 -4.4%
Rhode Island $2,108 $528 33.4%
South Carolina $1,432 -$148 -9.4%
South Dakota $1,334 -$246 -15.6%
Tennessee $1,386 -$194 -12.3%
Texas $1,904 $324 20.5%
Utah $1,170 -$410 -25.9%
Vermont $1,082 -$498 -31.5%
Virginia $948 -$632 -40.0%
Washington $1,222 -$358 -22.7%
West Virginia $1,448 -$132 -8.4%
Wisconsin $1,094 -$486 -30.8%
Wyoming $1,408 -$172 -10.9%

Since rates can be so different, the best way to figure out who has the cheapest rates is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates may be quite different.

Additional Lincoln Vehicles


U.S. averages for full coverage Lincoln vehicle insurance

Average Policy Cost $1,580
Comprehensive Premium $362
Collision Premium $688
Liability Premium $372

National average data is compiled from all 50 U.S. states for the Lincoln models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Lincoln Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,744
20 $3,656
30 $1,662
40 $1,580
50 $1,442
60 $1,414

Full coverage, $500 deductibles

Rates by Deductible

Lincoln Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,044
$250 $1,828
$500 $1,580
$1,000 $1,342

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $8,228
20 $5,814
30 $3,512
40 $3,424
50 $3,266
60 $3,236

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $222

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $85
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $123
5-yr Claim Free $103
Paid in Full/EFT $77
Advance Quote $81
Online Quote $114
Total Discounts $687
Rate after discounts $893

Discounts are estimated and may not be available from every company or in every state.

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