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Lincoln Town Car Insurance Cost [Guide + Free Quotes]

Full coverage Lincoln Town Car insurance costs $111/mo on average, but your rates will vary based on where you live and your driving record. To find the best Lincoln Town Car insurance quote, compare quotes from multiple companies. Enter your zip code below to start comparing Lincoln Town Car insurance rates right now for free.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Aug 17, 2020

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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

Lincoln Town Car insurance rates are about $193 less each year than the average vehicle with full coverage around $1,326 a year or $111 a month. Drivers of an older Lincoln Town Car may choose liability coverage only which is about $532 a year or $44 a month. Good drivers can save up to $547 a year in policy discounts for being claim-free. Let’s take a look at Lincoln Town Car auto insurance rates, safety features, and more.

You can compare car insurance rates, get Lincoln Town Car car insurance quotes from some of the best car insurance companies by using our free online tool now.

Lincoln Town Car Insurance Cost

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

Enter your zip code below to view companies that have cheap auto insurance rates.

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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 ES 350, Audi S6, and Porsche Panamera.

Vehicle Comprehensive Collision Liability Total
Lexus ES 350 $362 $656 $316 $1,470
Audi S6 $444 $894 $398 $1,894
Porsche Panamera $520 $1,042 $398 $2,118
Mercedes-Benz S450 $494 $982 $398 $2,032
Audi A7 $406 $834 $398 $1,796
Lexus IS 350 $344 $686 $398 $1,586

However, there are a few things you can do to find the cheapest Lincoln insurance rates online.

What Impacts the Cost of Lincoln Town Car Insurance?

The Lincoln Town Car trim and model you choose can impact the total price you will pay for Lincoln Town Car car insurance coverage.

Age of the Vehicle

The average Lincoln Town Car car insurance rates are higher for newer models. For example, car 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

Driver Age

Driver age can have a significant effect on the cost of Lincoln Town Car car insurance. For example, a 20-year-old driver could pay around $135 more each month for their Lincoln Town Car car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Lincoln Town Car insurance rates. For example, drivers in Los Angeles may pay $729 a year more than drivers in Phoenix.

Your Driving Record

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

Lincoln Town Car Safety Ratings

Your Lincoln Town Car car insurance rates are tied to the safety ratings of the Lincoln Town Car. 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

Lincoln Town Car Crash Test Ratings

Poor Lincoln Town Car crash test ratings could mean higher Lincoln Town Car car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Lincoln Town Car N/R N/R N/R 5
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Lincoln Town Car Safety Features

The safety features of the Lincoln Town Car can impact your Lincoln Town Car car insurance rates. The Lincoln Town Car has the following safety features:

  • 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

Lincoln Town Car Finance and Insurance Cost

If you are financing a Lincoln Town Car, you will pay more if you purchase Lincoln Town Car 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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Lincoln Town Car Insurance

You have more options at your disposal to save money on your Lincoln Town Car car insurance costs. For example, try these five tips:

  • Move to an Area with a Lower Cost of Living
  • Use an Accurate Job Title When Requesting Lincoln Town Car Auto Insurance
  • Purchase a Roadside Assistance Program for Your Lincoln Town Car
  • Consider Using a Tracking Device on Your Lincoln Town Car
  • Get Cheaper Lincoln Town Car Car Insurance Rates as a Full-Time Parent

Top Lincoln Town Car Insurance Companies

The best auto insurance companies for Lincoln Town Car car insurance rates will offer competitive rates, discounts, and account for the Lincoln Town Car’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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

Compare Free Lincoln Town Car Insurance Quotes Online

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

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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