Best Car Insurance Company for Lincolns (2025)

It doesn’t take long to purchase an auto insurance policy, but if you’re searching for the best car insurance company for a Lincoln, you must do some research. 

Lincoln car insurance costs around $1,855 per year or $155 every month if you want full coverage. Of course, your rates will be lower if you’re shopping for a minimum coverage policy. The best car insurance company for Lincoln will charge less than the average rate, but you’ll need to compare quotes from companies in your area. 

Lincoln insurance costs vary based on the model you drive and the year it was manufactured. Additionally, there are other factors that affect car insurance rates with most companies, like age, gender, and driving history.

Nevertheless, you may find cheap Lincoln car insurance rates in your area by researching and comparing quotes. 

You can also get lower car insurance rates with discounts. Many car insurance companies offer discounts on coverage to help policyholders save money. If you qualify for a car insurance discount, you may save a good bit on monthly or annual rates. 

Shopping for Lincoln auto insurance doesn’t have to be difficult, but it will take some time. Don’t rush the process, and you may be pleasantly surprised by how affordable your Lincoln coverage can be. 

What type of car insurance do I need for my Lincoln? 

Insurance companies consider Lincolns luxury vehicles and will charge higher rates. However, if you can afford it, you should purchase a full coverage policy for your Lincoln. Full coverage car insurance offers added protection and assistance if you’re ever in an accident or need to file a claim.

Still, all you need to meet your state’s minimum coverage requirement is a liability-only or minimum coverage policy.

What is minimum coverage?

Aside from New Hampshire and Virginia, each state in the U.S. has its own requirements for auto insurance. To drive legally in your state, you must meet your state’s legal requirement for coverage.

At the very least, you will need the following types of liability coverage:

• Property damage liability: Property damage liability covers you if you cause an accident and damage someone’s vehicle or other personal property. 
• Bodily injury liability: Bodily injury liability covers you if you cause an accident and one or more people are injured. Find the best bodily injury liability car insurance companies.

In addition to liability, some states require additional coverage, like: 

• Personal injury protection (PIP): PIP coverage helps with medical bills, lost wages, and funeral costs associated with a covered accident. Find the best personal injury protection car insurance companies.
• Medical payments (MedPay): MedPay helps with medical bills like visits to the doctor and hospital stays. Find the best medical payments car insurance companies.
• Uninsured/underinsured motorist coverage: If another driver causes an accident but does not carry proper insurance, uninsured/underinsured motorist coverage allows your insurance company to pay for the damage someone else caused to your vehicle. Find the best uninsured motorist coverage car insurance companies.

Each state dictates how much bodily injury and property damage liability drivers need, so check with your state’s department of motor vehicles for more information.

If your state does not require PIP, MedPay, or uninsured/underinsured motorist insurance, you should still consider purchasing them for additional protection and peace of mind.

Should I get full coverage for my Lincoln? 

If at all possible, you should purchase full coverage for your vehicle. Otherwise, you may have to pay for repairs to your vehicle out of pocket. 

A full coverage policy must include the following insurance coverages:

• Collision insurance: Pays for damage to your vehicle if you cause an accident and covers your Lincoln up to its actual cash value (ACV). Compare rates from the best collision coverage car insurance companies.
• Comprehensive insurance: Comprehensive car insurance pays if theft, vandalism, wild animals, or inclement weather damages your Lincoln. 

With full coverage, your vehicle is taken care of whenever someone or something causes damage, and this can save you a lot of money if you drive a newer Lincoln or one with a high actual cash value (ACV).

You may not need full coverage if your vehicle is older and does not have a high ACV. In this case, the investment in full coverage may not be worth the limited payout if you ever need to file a claim. 

How much is Lincoln car insurance?

Lincoln car insurance costs around $1,855 annually or $155 per month for full coverage. If you’re looking for minimum coverage, your rates will be lower than average. Still, if you’re interested in full coverage, you may find cheaper rates if you shop online and compare quotes from several companies. 

Lincoln rates vary based on the year and model you drive, so the Lincoln you own will significantly impact your monthly or annual rates. Because of this, the best car insurance for a Lincoln MKZ may cost more than coverage for a Lincoln Aviator or Lincoln Continental. 

Use this table to get average Lincoln insurance rates and use them to compare the best car insurance companies:

Lincoln Average Monthly Car Insurance Rates by Model and Coverage Type

Additionally, insurance for a Lincoln SUV will often be more expensive than coverage for a sedan, as SUVs are often more expensive and cost more to repair. For instance, Lincoln Navigator car insurance quotes are higher than for models like the MKX and MKC.

However, as you shop for Lincoln auto insurance, there are a few things you can do to save money on your coverage.

Can Lincoln drivers get discounts?

You may qualify for car insurance discounts, which could help you save money on your Lincoln auto insurance rates. Some of the most common discounts for car insurance include:

• Good student discount
• Defensive driver discount
• Multi-car discount
• Multi-policy discount
• Safety features discount
• Military discount
• Loyalty discount
• Paid-in-full discount

Discounts can help you save 25% on your monthly or annual auto insurance rates, so it’s a good idea to speak with a representative from any company you’re considering to see if you’re eligible.

Should I increase my deductible?

Another way to save on monthly or annual auto insurance rates is to increase your deductible, as your insurance company may lower your car insurance rates since you’ll pay more before your coverage kicks in. How to lower your car insurance effectively includes considering this option and finding the right balance.

You should never increase your deductible to an amount you couldn’t pay if you ever needed to file a claim. Ultimately, it may not be worth the slightly lower coverage rates. 

Case Studies: Real-World Scenarios of Lincoln Car Insurance

Case Study 1: Comprehensive Coverage for a New Lincoln

Emily recently purchased a brand new Lincoln Aviator, and she wanted to ensure it was fully protected. She opted for comprehensive coverage, including collision and comprehensive insurance. One day, while parked at a shopping mall, Emily’s Lincoln was hit by another vehicle that fled the scene.

Thanks to her comprehensive coverage, Emily’s insurance company covered the cost of repairs, minus her deductible. Without insurance, she would have had to pay for the repairs out of pocket.

Case Study 2: Liability Coverage for an Older Lincoln

John owns an older model Lincoln Continental. He has liability coverage, which is the minimum required by his state. One day, while driving, John accidentally rear-ended another vehicle at a stoplight. The other driver suffered minor injuries and had damage to their vehicle.

John’s liability insurance covered the other driver’s medical expenses and property damage. Without liability coverage, John would have had to pay for these expenses himself, which could have been financially devastating.

Case Study 3: Uninsured Motorist Coverage

Sarah drives a Lincoln MKZ and has uninsured motorist coverage as part of her insurance policy. One evening, she was involved in a hit-and-run accident where the other driver fled the scene. Sarah suffered injuries and had significant damage to her vehicle.

Since the other driver was uninsured, Sarah’s uninsured motorist coverage kicked in, covering her medical expenses and the repairs to her Lincoln. This coverage provided Sarah with the necessary financial protection when the responsible party did not have insurance.

Case Study 4: Discounts for Safe Driving

Michael owns a Lincoln Navigator and has a clean driving record. He qualified for a safe driving discount from his insurance company. This discount lowered his monthly premium significantly, allowing him to save money on his car insurance. Michael’s safe driving habits and the discount he received incentivized him to maintain his good driving record.

Is Lincoln car insurance cheap?

You will probably have several options for buying car insurance for your Lincoln. It’s important to compare quotes from several companies before you decide on coverage so you don’t pay too much in monthly or annual rates.

Lincoln rates will vary based on your model, year, and other personal factors like your driving history and credit score. You may qualify for discounts on coverage, and you could also save money by increasing your deductible.

Take advantage of our free comparison tool below to get free quotes from the best car insurance companies for Lincoln. Remember to compare quotes from several local companies once you know what coverage you want. You may find that some companies in your area offer extremely affordable rates for Lincoln auto insurance coverage, so take your time to find the best policy you can.