Lincoln Continental Insurance Rates and Comparisons for 2025

How much does Lincoln Continental insurance cost? We compare rates from the Reserve trim up to the Black Label AWD trim to see how prices ranked against other large luxury cars.

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How much does Lincoln Continental insurance cost?

Lincoln Continental car insurance costs an average of $2,372 annually, or $198 a month. With the average large luxury car costing $3,122 a year to insure, the Lincoln Continental would save on average around $750 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.

Average 2020 Lincoln Continental insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Lincoln Continental insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Lincoln Continental 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 which vary by company. Comprehensive and collision 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 Continental trim levels.

2020 Lincoln Continental Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,440$453
Safe Driver Age 20$4,774$398
At-fault Accidents Age 40$3,340$278
Low Deductibles Age 40$3,156$263
Safe Driver Age 30$2,536$211
Safe Driver Age 40$2,372$198
Safe Driver Age 50$2,094$175
Discount Rate Age 40$1,972$164
High Deductibles Age 40$1,970$164
Safe Driver Age 60$1,960$163

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2020 Lincoln Continental trim levels. Updated June 26, 2025

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, $968 less than the BMW 740i, $144 less than the Cadillac CT6, and $1,146 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 $2,372 per year for full coverage insurance, while the category average is $3,122 per year, a difference of $750 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.

Average 2020 Lincoln Continental car insurance premium compared to other large luxury car models.
Figure 2: Average 2020 Lincoln Continental car insurance premium compared to other large luxury car models. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Lincoln Continental. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Lincoln Continental trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Lincoln Continental Insurance Cost Compared to All Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,284-$88
2Lincoln Continental$2,372--
3Volvo S90$2,438$66
4Cadillac CT6$2,516$144
5Acura RLX$2,638$266
6Lexus LS 500H$2,744$372
7Kia K900$2,796$424
8Lexus LS 500$2,886$514
9Infiniti Q60$2,934$562
10Mercedes-Benz AMG E53$2,938$566
11Genesis G90$2,950$578
12Mercedes-Benz AMG CLS53$3,016$644
13BMW 840i$3,082$710
14Mercedes-Benz S450$3,214$842
15BMW M850i$3,232$860
16BMW 740i$3,340$968
17BMW 850i$3,368$996
18Mercedes-Benz E63 AMG$3,384$1,012
19Porsche Panamera$3,518$1,146
20Audi A8$3,578$1,206
21Mercedes-Benz S560$3,614$1,242
22BMW 750i$3,628$1,256
23BMW M760i$4,094$1,722
24Mercedes-Benz AMG S63$4,374$2,002

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2020 model year. Updated June 26, 2025

Which is the cheapest Lincoln Continental insurance?

The cheapest model of Lincoln Continental to insure is the Reserve Sedan at around $2,254 per year, or about $188 per month. The next cheapest trim is the Reserve AWD at $2,316 per year, and the third cheapest model to insure is the AWD at $2,354 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 $2,416,  $2,442, and $2,502 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.

2020 Lincoln Continental Insurance Rates by Trim Level
2020 Lincoln Continental Trim Level Annual Premium Cost Per Month
Reserve Sedan$2,254$188
Reserve AWD$2,316$193
AWD$2,354$196
Livery Sedan$2,354$196
Sedan$2,354$196
Livery AWD$2,416$201
Black Label Sedan$2,442$204
Black Label AWD$2,502$209

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2020 Lincoln Continental ranging from the Reserve Sedan model at $2,254 per year to the Black Label AWD model at $2,502
Insurance cost by trim level for a 2020 Lincoln Continental ranging from the Reserve Sedan model at $2,254 per year to the Black Label AWD model at $2,502

Does car insurance get cheaper for older models?

Passing on new models and instead driving an older Lincoln Continental can reduce insurance cost by $524 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 $1,526 for a 60-year-old driver rated on a 2017 Lincoln Continental to the most expensive rate of $4,774 for a 20-year-old driving a 2020 model year.

Lincoln Continental Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2020 Lincoln Continental$4,774$2,372$1,960
2019 Lincoln Continental$4,350$2,156$1,778
2018 Lincoln Continental$3,906$1,946$1,606
2017 Lincoln Continental$3,706$1,848$1,526

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Lincoln Continental trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2017 to 2020 Lincoln Continental models for drivers age 20, 40 and 60
Average insurance rates for 2017 to 2020 Lincoln Continental models for drivers age 20, 40 and 60