Why You’re Paying Too Much for Lincoln Aviator Insurance

• Lincoln Aviator car insurance costs an average of $2,698 per year, $1,349 for a 6-month policy, or $225 per month.
• When compared to other midsize luxury SUVs, the Lincoln Aviator is one of the cheaper midsize luxury SUVs to insure, costing $152 less per year on average.
• The cheapest Aviator insurance is on the Premiere trim level costing around $2,530 per year. The most expensive trim is the Black Label at $2,924 per year.

How much does Lincoln Aviator insurance cost?

The average driver will pay around $2,698 a year for full coverage to insure a Lincoln Aviator, or about $225 a month. For individual policy coverages, liability and medical (or PIP) coverage will cost around $744 a year, comprehensive coverage costs approximately $648, and the remaining collision coverage costs approximately $1,306.

The chart below details average car insurance rates for a 2024 Lincoln Aviator using different policy scenarios.

In the chart above, insurance rates range from a discount rate for a 40-year-old driver of $2,240 to the high-risk average rate for a 30-year-old driver of $6,238 per year.

Not shown in the chart are rates for teenage drivers, which are the most expensive age group to insure.  A 16-year-old male driver with a clean driving record would pay around $9,636 while a 16-year-old female would pay about $9,003. At age 17, males would pay around $9,361 and females $8,952.

Some other important insights regarding the cost to insure a Lincoln Aviator include:

• Insurance for teenage drivers is expensive. Average rates for full coverage Aviator insurance costs $9,636 per year for a 16-year-old driver, $9,361 per year for a 17-year-old driver, and $8,432 per year for an 18-year-old driver.
• Increasing deductibles lowers insurance cost. Raising deductibles from $500 to $1,000 could save around $442 per year for a 40-year-old driver and $874 per year for a 20-year-old driver.
• Decreasing deductibles will cost more. Lowering deductibles from $500 to $250 could cost an additional $464 per year for a 40-year-old driver and $928 per year for a 20-year-old driver.
• Research policy discounts to lower the cost. Discounts may be available if the policyholders drive low annual mileage, are military or federal employees, work in certain occupations, are claim-free, or many other policy discounts which could save the average driver as much as $458 per year.
• The older you are, the lower your insurance rates are. The difference in 2024 Aviator insurance rates between a 50-year-old driver ($2,384 per year) and a 30-year-old driver ($2,884 per year) is $500, or a savings of 19%.
• Get cheaper rates because of your choice of occupation. The large majority of car insurance providers offer policy discounts for certain professions like farmers, emergency medical technicians, police officers and law enforcement, scientists, nurses, and other occupations. By qualifying for this profession discount, you could potentially save between $81 and $233 on your annual insurance bill, depending on the coverage levels.
• Drive safe and save. At-fault accidents raise insurance rates, to the tune of $3,896 per year for a 20-year-old driver and as much as $812 per year for a 50-year-old driver.
• Credit ratings can impact car insurance rates. In states that give the go-ahead for an insured’s credit score to be used for generating rates, having a high credit rating of over 800 could save $424 per year over a lower credit rating of 670-739. Conversely, a below average credit rating could cost up to $491 more per year.

Where does Aviator insurance cost rank?

The Lincoln Aviator ranks 18^th out of 41 comparison vehicles in the midsize luxury SUV class. The Aviator costs an average of $2,698 per year to insure for full coverage, while the category average cost is $2,850 per year, a difference of $152 per year.

When car insurance rates are compared directly to the top-selling other midsize luxury SUVs, a Lincoln Aviator costs $292 more per year than the Lexus RX 350, $370 less than the BMW X5, $302 more than the Acura MDX, and $434 more than the Cadillac XT5.

The table below shows how average car insurance rates for a 2024 Aviator compare to the entire midsize luxury SUV segment.

Which Aviator model has the cheapest insurance?

The cheapest model of Lincoln Aviator to insure is the base Premiere model at around $2,530 per year, or about $211 per month. The second cheapest model is the base Reserve model  at $2,642 per year, and the third cheapest trim to insure is the Black Label at $2,924 per year.

At the upper end of auto insurance cost, the three highest cost trim levels to insure are the Lincoln Aviator Premiere, the Reserve, and the Black Label trim levels at $2,530,  $2,642, and $2,924 per year, respectively.

The next table shows average insurance cost, plus a monthly rate, for each Lincoln Aviator model package and trim level.