Lincoln is the luxury arm of Ford Motor Company, and is strategically positioned to compete with Cadillac, the luxury brand of General Motors.
Having only a handful of current models like the Aviator, Nautilus, and Navigator, Lincoln has shifted away from car production and is focusing solely on the SUV market since the 2020 model year.
Despite an SUV-only selection for 2024, Lincoln still remains a popular brand with diehard fans, who tend to be older, male, and retired.
So how much does it cost to put full-coverage insurance on a Lincoln? We break down rates by model and compare Lincoln to the competition to see how it ranks.
What is average car insurance cost for a Lincoln?
The average cost to insure a Lincoln is $2,587 per year for the 2024 model year. Car insurance rates range from $2,236 a year for a Lincoln Corsair up to $3,002 per year for the Lincoln Navigator.
Average monthly car insurance cost ranges from $186 to $250 for full coverage.
The table below shows the average cost to insure the different Lincoln models produced since 2013. Many models have been discontinued (or renamed), and the last model year of production is noted next to the model name.
| Model | Annual Premium | Cost Per Month |
|---|---|---|
| Lincoln Aviator | $2,636 | $220 |
| Lincoln Continental 2020 and prior model years | $2,372 | $198 |
| Lincoln Corsair | $2,236 | $186 |
| Lincoln MKC 2019 and prior model years | $1,852 | $154 |
| Lincoln MKS 2016 and prior model years | $1,908 | $159 |
| Lincoln MKT 2019 and prior model years | $2,010 | $168 |
| Lincoln MKX 2018 and prior model years | $1,940 | $162 |
| Lincoln MKZ 2020 and prior model years | $2,248 | $187 |
| Lincoln Nautilus | $2,472 | $206 |
| Lincoln Navigator | $3,002 | $250 |
Is it expensive to insure a Lincoln automobile?
When compared to all vehicles in the U.S. market, average Lincoln car insurance cost is $366 more per year than the national average rate of $2,221.
However, when compared to other luxury import brands, Lincoln car insurance costs $438 less per year than Audi, $483 less per year than BMW, and $799 less per year than Mercedes-Benz.
When compared to its primary U.S. competitor, Cadillac, the average cost to insure a Lincoln model is $69 more per year.
In the chart below, we compare Lincoln car insurance cost to other luxury automakers. The average Lincoln rate of $2,587 per year is shown as the first orange bar while other luxury competitors follow in blue alphabetically.
Based on the chart above, Lincoln fares quite well in comparison to most other luxury automakers. It’s cheaper than most, and just a bit higher than Cadillac and Volvo.
The next table takes the luxury brands from the chart above and mixes in a lot more popular automotive brands like Chevrolet, Ford, Toyota, Nissan, and Honda.
This gives a broader comparison of how the average cost to insure a Lincoln ranks. The last column in each row shows how much more or less the comparison brand is when compared to Lincoln.
| Automotive Brand | Insurance Cost | Difference |
|---|---|---|
| Lincoln | $2,587 | -- |
| Acura | $2,202 | -$385 |
| Audi | $3,025 | $438 |
| BMW | $3,070 | $483 |
| Cadillac | $2,518 | -$69 |
| Chevrolet | $2,370 | -$217 |
| Ford | $2,441 | -$146 |
| Genesis | $2,798 | $211 |
| GMC | $2,435 | -$152 |
| Honda | $2,123 | -$464 |
| Hyundai | $2,314 | -$273 |
| Infiniti | $2,456 | -$131 |
| Jaguar | $2,883 | $296 |
| Jeep | $2,558 | -$29 |
| Kia | $2,259 | -$328 |
| Lexus | $2,601 | $14 |
| Mazda | $2,240 | -$347 |
| Mercedes-Benz | $3,386 | $799 |
| Mitsubishi | $2,273 | -$314 |
| Nissan | $2,424 | -$163 |
| Subaru | $2,229 | -$358 |
| Tesla | $2,839 | $252 |
| Toyota | $2,400 | -$187 |
| Volkswagen | $2,187 | -$400 |
| Volvo | $2,620 | $33 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Insurance cost is averaged for all models for the 2024 model year for each automobile manufacturer. Updated June 26, 2025
Most of the red values in the difference column are luxury brands, which would indicate Lincoln car insurance rates tend to be cheaper than most other luxury automakers.
However, when compared to more mainstream manufactures like Ford and Chevy, the trend reverses and shows that Lincoln models tend to be higher in overall cost to insure.
Overall, however, the Lincoln brand does compare well as a whole. The fact that the buyers of these vehicles tend to be older and financially stable also contributes to lower car insurance rates.