Lincoln Continental Car Insurance Calculator

Observe in real-time how different risk factors affect car insurance rates for a Lincoln Continental. Experiment with options like vehicle usage, gender of the driver, and marital status to see how rates are affected. See instantly if the choice you make has an impact on rates and why.

The average estimated car insurance premium for a 2020 Lincoln Continental is $2,372 per year, or about $198 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,372

Cost Per Month

$198

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lincoln Continental Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Lincoln Continental.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,372
Average Rate
Your Rate
$2,372

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Lincoln Continental.

The 'Average Rate' is a combined value for all Lincoln Continental trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Lincoln Continental is $2,372.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Lincoln Continental Segment Comparison

The table below compares insurance rates for the 2020 Lincoln Continental against all other models in the large luxury car segment. The Lincoln Continental is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lincoln Continental, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lincoln Continental.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Lincoln Continental Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,284-$88
2Lincoln Continental$2,372--
3Volvo S90$2,438$66
4Cadillac CT6$2,516$144
5Acura RLX$2,638$266
6Lexus LS 500H$2,744$372
7Kia K900$2,796$424
8Lexus LS 500$2,886$514
9Infiniti Q60$2,934$562
10Mercedes-Benz AMG E53$2,938$566
11Genesis G90$2,950$578
12Mercedes-Benz AMG CLS53$3,016$644
13BMW 840i$3,082$710
2020 Large Luxury Car Average$3,122$750
14Mercedes-Benz S450$3,214$842
15BMW M850i$3,232$860
16BMW 740i$3,340$968
17BMW 850i$3,368$996
18Mercedes-Benz E63 AMG$3,384$1,012
19Porsche Panamera$3,518$1,146
20Audi A8$3,578$1,206
21Mercedes-Benz S560$3,614$1,242
22BMW 750i$3,628$1,256
23BMW M760i$4,094$1,722
24Mercedes-Benz AMG S63$4,374$2,002

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 Continental Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Lincoln Continental.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Lincoln Continental Insurance Rates by Trim Level
2020 Lincoln Continental Trim Level Annual Premium Cost Per Month
Reserve Sedan$2,254$188
Reserve AWD$2,316$193
AWD$2,354$196
Livery Sedan$2,354$196
Sedan$2,354$196
Livery AWD$2,416$201
Black Label Sedan$2,442$204
Black Label AWD$2,502$209

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Lincoln Continental for different driver ages.

2020 Lincoln Continental Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,344$695
17$8,120$677
18$7,351$613
19$6,668$556
20$5,125$427
21$4,893$408
22$4,394$366
23$3,580$298
24$3,397$283
25$2,758$230
30$2,536$211
35$2,434$203
40$2,372$198
45$2,212$184
50$2,094$175
55$1,956$163
60$1,960$163
65$2,090$174
70$2,240$187
75$2,620$218
80$3,222$269

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lincoln Continental trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Lincoln Continental.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Lincoln Continental Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2020 Lincoln Continental$2,372$198
2019 Lincoln Continental$2,156$180
2018 Lincoln Continental$1,946$162
2017 Lincoln Continental$1,848$154

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Lincoln Continental trim levels for each model year.