Lincoln Continental Insurance Rates and Comparisons for 2025

• Lincoln Continental car insurance costs an estimated $2,428 per year on average, or about $202 per month for a policy with full coverage.
• The Continental is one of the cheaper large luxury cars to insure, costing $772 less per year on average as compared to other large luxury cars
• The Continental Reserve Sedan trim level is the cheapest to insure at around $2,310 per year, or $193 per month.
• The model with the most expensive insurance is the Black Label AWD at $2,564 per year, or around $214 per month.

How much does Lincoln Continental insurance cost?

Lincoln Continental car insurance costs an average of $2,428 annually, or $202 a month. With the average large luxury car costing $3,200 a year to insure, the Lincoln Continental would save on average around $772 each year when compared to the competition.

The following chart illustrates average car insurance rates on a 2020 Lincoln Continental with a variety of policy scenarios.

How do Continental insurance rates compare?

When compared to other popular large luxury cars, insurance for a Lincoln Continental costs $88 more per year than the Audi A5, $992 less than the BMW 740i, $150 less than the Cadillac CT6, and $1,178 less than the Porsche Panamera.

The Lincoln Continental ranks second out of 24 total comparison vehicles in the large luxury car category. The Continental costs an estimated $2,428 per year for full coverage insurance, while the category average is $3,200 per year, a difference of $772 per year.

The chart below shows how average Lincoln Continental car insurance rates compare to the most popular large luxury cars in America. Following the chart, a larger table is included that ranks insurance policy costs for the entire 24 vehicle large luxury car segment for the 2020 model year.

Which is the cheapest Lincoln Continental insurance?

The cheapest model of Lincoln Continental to insure is the Reserve Sedan at around $2,310 per year, or about $193 per month. The next cheapest trim is the Reserve AWD at $2,374 per year, and the third cheapest model to insure is the AWD at $2,410 per year.

For the more expensive trim levels, the three most expensive Continental trim levels to insure are the Lincoln Continental Livery AWD, the Black Label Sedan, and the Black Label AWD trim levels at around $2,472,  $2,498, and $2,564 per year, respectively.

The rate table below shows the estimated annual and 6-month policy costs, plus a monthly budget amount, for each Lincoln Continental package and trim level.

Does car insurance get cheaper for older models?

Passing on new models and instead driving an older Lincoln Continental can reduce insurance cost by $534 or more each year.

The table below shows Lincoln Continental car insurance rates for the 2017 to 2020 model years for drivers age 20 to 60. Prices range from the cheapest rate of $1,562 for a 60-year-old driver rated on a 2017 Lincoln Continental to the most expensive rate of $4,890 for a 20-year-old driving a 2020 model year.