Lincoln Aviator Insurance Cost for 2022

We crunched the numbers from the base model up to the Black Label PHEV trim level to see how Lincoln Aviator insurance cost compares to the rest of the midsize luxury SUV market.

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How much does Lincoln Aviator insurance cost?

The average driver will pay around $1,720 a year for full coverage to insure a Lincoln Aviator, or about $143 a month. For individual policy coverages, liability and medical (or PIP) coverage will cost around $436 a year, comprehensive coverage costs approximately $434, and the remaining collision coverage costs approximately $850.

The chart below details average car insurance rates for a 2022 Lincoln Aviator using different policy scenarios.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lincoln Aviator with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lincoln Aviator trim levels.Data last updated on June 24, 2022
Lincoln Aviator Insurance Cost Summary
Lincoln Aviator Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,910$326
Safe Driver Age 20$3,424$285
At-fault Accidents Age 40$2,414$201
Low Deductibles Age 40$2,288$191
Safe Driver Age 30$1,824$152
Safe Driver Age 40$1,720$143
Safe Driver Age 50$1,566$131
Safe Driver Age 60$1,538$128
High Deductibles Age 40$1,428$119
Discount Rate Age 40$1,428$119

In the chart above, insurance rates range from a discount rate for a 40-year-old driver of $1,428 to the high-risk average rate for a 30-year-old driver of $3,910 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 $6,022 while a 16-year-old female would pay about $5,296. At age 17, males would pay around $5,676 and females $5,020.

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 $6,022 per year for a 16-year-old driver, $5,676 per year for a 17-year-old driver, and $5,316 per year for a 18-year-old driver.
  • Increasing deductibles lowers insurance cost. Raising deductibles from $500 to $1,000 could save around $292 per year for a 40-year-old driver and $572 per year for a 20-year-old driver.
  • Decreasing deductibles will cost more. Lowering deductibles from $500 to $250 could cost an additional $302 per year for a 40-year-old driver and $604 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 $292 per year.
  • The older you are, the lower your insurance rates are. The difference in 2022 Aviator insurance rates between a 50-year-old driver ($1,566 per year) and a 30-year-old driver ($1,824 per year) is $258, or a savings of 14.1%.
  • 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 $52 and $159 on your annual insurance bill, depending on the coverage levels.
  • Drive safe and save. At-fault accidents raise insurance rates, to the tune of $2,398 per year for a 20-year-old driver and as much as $538 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 $270 per year over a lower credit rating of 670-739. Conversely, a below average credit rating could cost up to $313 more per year.

Where does Aviator insurance cost rank?

The Lincoln Aviator ranks #15 out of 36 comparison vehicles in the midsize luxury SUV class. The Aviator costs an average of $1,720 per year to insure for full coverage, while the category average cost is $1,843 per year, a difference of $123 per year.

When car insurance rates are compared directly to the top-selling other midsize luxury SUVs, a Lincoln Aviator costs $150 more per year than the Lexus RX 350, $218 less than the BMW X5, $142 more than the Acura MDX, and $220 more than the Cadillac XT5.

The table below shows how average car insurance rates for a 2022 Aviator compare to the entire midsize luxury SUV segment.

Lincoln Aviator Insurance Cost vs Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Cadillac XT5$1,500-$220
2Jaguar E-Pace$1,564-$156
3Lexus RX 350$1,570-$150
4Acura MDX$1,578-$142
5Lincoln Nautilus$1,594-$126
6Lexus RX 450h$1,608-$112
7Infiniti QX50$1,614-$106
8Lexus RX 350L$1,628-$92
9Cadillac XT6$1,640-$80
10Volvo V60$1,648-$72
11Land Rover Discovery$1,660-$60
12Land Rover Discovery Sport$1,662-$58
13Lexus RX 450hL$1,676-$44
14Volvo V90$1,688-$32
15Lincoln Aviator$1,720--
16Mercedes-Benz AMG GLB35$1,740$20
17Mercedes-Benz GLE450$1,744$24
18Lexus GX 460$1,766$46
19Infiniti QX60$1,774$54
20Mercedes-Benz GLE350$1,784$64
21Genesis GV80$1,818$98
22Mercedes-Benz AMG GLC43$1,846$126
23Audi SQ5$1,874$154
24BMW X5$1,938$218
25Audi Q8$1,966$246
26Audi Q7$1,998$278
27Land Rover Range Rover Sport$2,020$300
28BMW iX$2,034$314
29Tesla Model X$2,064$344
30Audi SQ7$2,124$404
31Audi e-tron$2,144$424
32Mercedes-Benz AMG GLE53$2,150$430
33BMW X6$2,200$480
34Mercedes-Benz AMG GLE63$2,292$572
35Porsche Cayenne$2,314$594
36Audi RS 6$2,390$670

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Lincoln Aviator Insurance Cost vs Midsize Luxury SUVs

Which Aviator model has the cheapest insurance?

The cheapest model of Lincoln Aviator to insure is the base Standard 2WD model at around $1,566 per year, or about $131 per month. The second cheapest model is the base Standard AWD model  at $1,600 per year, and the third cheapest trim to insure is the Reserve 2WD at $1,640 per year.

At the upper end of auto insurance cost, the three highest cost trim levels to insure are the Lincoln Aviator Grand Touring I Plug-in Hybrid AWD, the Black Label AWD, and the Black Label Grand Touring AWD trim levels at $1,808,  $1,828, and $1,874 per year, respectively.

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

2022 Lincoln Aviator Insurance Cost by Trim Level
Lincoln Aviator Trim Level Annual Policy 6-month Policy Per Month
Standard 2WD$1,566$783$131
Standard AWD$1,600$800$133
Reserve 2WD$1,640$820$137
Reserve AWD$1,668$834$139
Reserve I 2WD$1,718$859$143
Reserve I AWD$1,740$870$145
Grand Touring Plug-in Hybrid AWD$1,750$875$146
Grand Touring I Plug-in Hybrid AWD$1,808$904$151
Black Label AWD$1,828$914$152
Black Label Grand Touring AWD$1,874$937$156

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Lincoln Aviator, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Lincoln Aviator Insurance Cost by Trim Level