2023 Lincoln Nautilus Car Insurance Calculator

Explore and understand how seemingly small changes impact the insurance cost for a 2023 Lincoln Nautilus. Experiment with your marital status, location, homeowner status, and credit rating to see the impact on rates. Instantly know the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2023 Lincoln Nautilus is $2,306 per year, or about $192 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

$2,306

Cost Per Month

$192

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 Nautilus 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 2023 Lincoln Nautilus.

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.

$2,306
Average Rate
Your Rate
$2,306

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.

The 'Average Rate' is a combined value for all 2023 Lincoln Nautilus 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 2023 Lincoln Nautilus is $2,306.

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.

2023 Lincoln Nautilus Segment Comparison

The table below compares insurance rates for the 2023 Lincoln Nautilus against all other models in the midsize luxury SUV segment. The Lincoln Nautilus 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 Nautilus, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lincoln Nautilus.

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

2023 Lincoln Nautilus Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus RX 350$2,044-$262
2Infiniti QX50$2,112-$194
3Cadillac XT5$2,166-$140
4Cadillac XT6$2,206-$100
5Acura MDX$2,272-$34
6Lincoln Nautilus$2,306--
7Lexus RX 350L$2,332$26
8Land Rover Discovery Sport$2,334$28
9Jaguar E-Pace$2,356$50
10Volvo V90$2,376$70
11Lexus RX 450h$2,404$98
12Lexus GX 460$2,430$124
13Volvo V60$2,446$140
14Lexus RX 450hL$2,454$148
15Mercedes-Benz AMG GLB35$2,500$194
16Genesis GV80$2,504$198
17Audi SQ5$2,512$206
18Lincoln Aviator$2,532$226
19Infiniti QX60$2,548$242
20Mercedes-Benz GLE450$2,570$264
21Mercedes-Benz GLE350$2,604$298
22Land Rover Discovery$2,616$310
2023 Midsize Luxury SUV Average$2,652$346
23Mercedes-Benz AMG GLC43$2,654$348
24Audi Q7$2,720$414
25Audi e-tron$2,814$508
26Tesla Model X$2,826$520
27Mercedes-Benz AMG GLE53$2,830$524
28BMW X5$2,886$580
29Audi Q8$2,894$588
30Land Rover Range Rover Sport$2,918$612
31Audi SQ7$3,056$750
32BMW iX$3,102$796
33BMW X6$3,160$854
34Porsche Cayenne$3,186$880
35Mercedes-Benz AMG GLE63$3,340$1,034
36Audi RS 6$3,394$1,088
37BMW XM$3,722$1,416

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.

2023 Nautilus Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Lincoln Nautilus.

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.

2023 Lincoln Nautilus Insurance Rates by Trim Level
2023 Lincoln Nautilus Trim Level Annual Premium Cost Per Month
Standard 2WD$2,174$181
Standard AWD$2,220$185
Reserve AWD$2,220$185
Reserve 2WD$2,288$191
Reserve II AWD$2,444$204
Black Label AWD$2,492$208

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 2023 Lincoln Nautilus for different driver ages.

2023 Lincoln Nautilus Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,253$688
17$7,987$666
18$7,137$595
19$6,507$542
20$4,979$415
21$4,750$396
22$4,249$354
23$3,495$291
24$3,301$275
25$2,680$223
30$2,456$205
35$2,370$198
40$2,306$192
45$2,158$180
50$2,044$170
55$1,908$159
60$1,912$159
65$2,038$170
70$2,206$184
75$2,602$217
80$3,208$267

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 Nautilus trim levels.