- Lincoln Aviator car insurance costs an average of $1,720 per year, $860 for a 6-month policy, or $143 per month.
- When compared to other midsize luxury SUVs, the Lincoln Aviator is one of the cheaper midsize luxury SUVs to insure, costing $123 less per year on average.
- The cheapest Aviator insurance is on the Standard 2WD trim level costing around $1,566 per year. The most expensive trim is the Black Label Grand Touring AWD at $1,874 per year.
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.
|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.
|3||Lexus RX 350||$1,570||-$150|
|6||Lexus RX 450h||$1,608||-$112|
|8||Lexus RX 350L||$1,628||-$92|
|11||Land Rover Discovery||$1,660||-$60|
|12||Land Rover Discovery Sport||$1,662||-$58|
|13||Lexus RX 450hL||$1,676||-$44|
|16||Mercedes-Benz AMG GLB35||$1,740||$20|
|18||Lexus GX 460||$1,766||$46|
|22||Mercedes-Benz AMG GLC43||$1,846||$126|
|27||Land Rover Range Rover Sport||$2,020||$300|
|29||Tesla Model X||$2,064||$344|
|32||Mercedes-Benz AMG GLE53||$2,150||$430|
|34||Mercedes-Benz AMG GLE63||$2,292||$572|
|36||Audi RS 6||$2,390||$670|
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.
|Lincoln Aviator Trim Level||Annual Policy||6-month Policy||Per Month|
|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|