Lincoln Nautilus Insurance Cost for 2023

How much does Lincoln Nautilus insurance cost? We compared average rates from the base Standard 2WD model to the Black Label AWD trim level to find out how Nautilus insurance rates ranked against the competition.

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How much does Lincoln Nautilus car insurance cost?

Drivers should budget an average of $1,786 annually to insure a Lincoln Nautilus for full coverage, which is the equivalent of around $149 a month. Collision coverage will cost around $788 a year, liability and medical (or PIP) coverage costs approximately $568, and the remaining comprehensive (or other-than-collision) coverage is an estimated $430.

The chart below details how average Lincoln Nautilus car insurance rates fluctuate based on the age of the driver and $250, $500, and $1,000 physical damage coverage deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Lincoln Nautilus with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lincoln Nautilus trim levels.Data last updated on January 23, 2023
Lincoln Nautilus Car Insurance Rates
Lincoln Nautilus Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,014$251
$500$3,554$296
$250$4,122$344
30$1,000$1,580$132
$500$1,882$157
$250$2,196$183
40$1,000$1,510$126
$500$1,786$149
$250$2,076$173
50$1,000$1,378$115
$500$1,628$136
$250$1,886$157
60$1,000$1,352$113
$500$1,596$133
$250$1,850$154

Which Nautilus has the cheapest insurance?

The cheapest trim level of Lincoln Nautilus to insure is the Standard 2WD at an estimated $1,684 per year. The most expensive trim level of Lincoln Nautilus to insure is the Black Label AWD at $1,930 per year.

The table below displays average annual and semi-annual Lincoln Nautilus car insurance rates, in addition to a monthly amount for budgeting, for each 2023 model and trim level.

2023 Lincoln Nautilus Insurance Cost by Trim Level
Lincoln Nautilus Trim Level Annual Policy 6-month Policy Per Month
Standard 2WD$1,684$842$140
Standard AWD$1,720$860$143
Reserve AWD$1,720$860$143
Reserve 2WD$1,772$886$148
Reserve II AWD$1,892$946$158
Black Label AWD$1,930$965$161

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Lincoln Nautilus, 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 January 23, 2023
Lincoln Nautilus Insurance Cost by Trim Level

Nautilus insurance rates vs. the competition

The Lincoln Nautilus ranks sixth out of 37 total vehicles in the midsize luxury SUV segment for auto insurance affordability. The Nautilus costs an average of $1,786 per year for full coverage insurance, while the segment median average cost is $2,050 annually, a difference of $264 per year.

When Nautilus car insurance cost is compared to other midsize luxury SUVs, the Nautilus costs $208 more per year than the Lexus RX 350, $444 less than the BMW X5, $30 more than the Acura MDX, and $110 more than the Cadillac XT5.

The chart below shows how average Lincoln Nautilus insurance rates compare to the other top-selling midsize luxury SUVs in America. We also included a more comprehensive rate table after the chart that compares average car insurance rates for every vehicle in the midsize luxury SUV segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Lincoln Nautilus, 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 Lincoln Nautilus trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Lincoln Nautilus vs Top 10 Midsize Luxury SUVs Insurance Rate Comparison
Lincoln Nautilus Insurance Cost Compared to All Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Lexus RX 350$1,578-$208
2Infiniti QX50$1,632-$154
3Cadillac XT5$1,676-$110
4Cadillac XT6$1,716-$70
5Acura MDX$1,756-$30
6Lincoln Nautilus$1,786--
7Lexus RX 350L$1,804$18
8Land Rover Discovery Sport$1,806$20
9Jaguar E-Pace$1,808$22
10Volvo V90$1,838$52
11Lexus RX 450h$1,858$72
12Lexus GX 460$1,880$94
13Lexus RX 450hL$1,890$104
14Volvo V60$1,896$110
15Mercedes-Benz AMG GLB35$1,934$148
16Genesis GV80$1,936$150
17Audi SQ5$1,940$154
18Lincoln Aviator$1,958$172
19Infiniti QX60$1,974$188
20Mercedes-Benz GLE450$1,990$204
21Mercedes-Benz GLE350$2,014$228
22Land Rover Discovery$2,022$236
23Mercedes-Benz AMG GLC43$2,056$270
24Audi Q7$2,104$318
25Audi e-tron$2,174$388
26Tesla Model X$2,184$398
27Mercedes-Benz AMG GLE53$2,190$404
28BMW X5$2,230$444
29Audi Q8$2,238$452
30Land Rover Range Rover Sport$2,254$468
31Audi SQ7$2,362$576
32BMW iX$2,396$610
33BMW X6$2,442$656
34Porsche Cayenne$2,462$676
35Mercedes-Benz AMG GLE63$2,582$796
36Audi RS 6$2,624$838
37BMW XM$2,872$1,086

Average insurance rates by location

The cost of insuring your Nautilus can cover a wide range, from lower rates like $1,196 a year in Virginia Beach, VA, or $1,264 in Charlotte, NC, to higher rates like $3,096 a year in New Orleans, LA, and $4,164 in Detroit, MI.

The average car insurance cost for a Lincoln Nautilus in some other cities include Jacksonville, FL, at $1,914 per year, El Paso, TX, at an estimated $1,596, Portland, OR, at $1,936, and San Francisco, CA, averaging $2,406.

The next chart shows average car insurance policy costs for a Lincoln Nautilus in the thirty largest cities in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Lincoln Nautilus, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Lincoln Nautilus trim levels.Data last updated on January 23, 2023
Lincoln Nautilus Insurance Rates in Large U.S. Cities
Lincoln Nautilus Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,146$262
Philadelphia, PA$2,794$233
Las Vegas, NV$2,788$232
Los Angeles, CA$2,780$232
San Francisco, CA$2,406$201
Kansas City, MO$2,142$179
Oklahoma City, OK$2,142$179
Denver, CO$2,100$175
Memphis, TN$2,100$175
Atlanta, GA$2,072$173
San Jose, CA$2,014$168
Phoenix, AZ$1,964$164
Portland, OR$1,936$161
San Diego, CA$1,922$160
Boston, MA$1,918$160
Jacksonville, FL$1,914$160
Chicago, IL$1,864$155
Dallas, TX$1,832$153
Houston, TX$1,824$152
Seattle, WA$1,820$152
Nashville, TN$1,750$146
Milwaukee, WI$1,742$145
Albuquerque, NM$1,710$143
San Antonio, TX$1,652$138
Omaha, NE$1,606$134
Fort Worth, TX$1,600$133
Austin, TX$1,578$132
Indianapolis, IN$1,438$120
Columbus, OH$1,326$111
Charlotte, NC$1,264$105

From a state perspective, states like Idaho ($1,272), Iowa ($1,194), and Maine ($1,076) have cheaper car insurance rates, while states like Nevada ($2,136), Florida ($2,226), and Michigan ($2,442) have more expensive auto insurance.

The table below shows average insurance rates for a 2023 Lincoln Nautilus for all fifty U.S. states.

Lincoln Nautilus Average Insurance Cost by State for 2023
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,606$803$134
Alaska$1,352$676$113
Arizona$1,636$818$136
Arkansas$1,868$934$156
California$2,160$1,080$180
Colorado$1,918$959$160
Connecticut$1,992$996$166
Delaware$2,032$1,016$169
Florida$2,226$1,113$186
Georgia$1,826$913$152
Hawaii$1,220$610$102
Idaho$1,272$636$106
Illinois$1,568$784$131
Indiana$1,334$667$111
Iowa$1,194$597$100
Kansas$1,760$880$147
Kentucky$1,912$956$159
Louisiana$2,126$1,063$177
Maine$1,076$538$90
Maryland$1,660$830$138
Massachusetts$1,944$972$162
Michigan$2,442$1,221$204
Minnesota$1,532$766$128
Mississippi$1,742$871$145
Missouri$2,016$1,008$168
Montana$1,640$820$137
Nebraska$1,492$746$124
Nevada$2,136$1,068$178
New Hampshire$1,196$598$100
New Jersey$2,164$1,082$180
New Mexico$1,470$735$123
New York$2,068$1,034$172
North Carolina$1,114$557$93
North Dakota$1,478$739$123
Ohio$1,246$623$104
Oklahoma$1,972$986$164
Oregon$1,668$834$139
Pennsylvania$1,716$858$143
Rhode Island$2,214$1,107$185
South Carolina$1,496$748$125
South Dakota$1,838$919$153
Tennessee$1,700$850$142
Texas$1,658$829$138
Utah$1,564$782$130
Vermont$1,298$649$108
Virginia$1,188$594$99
Washington$1,614$807$135
West Virginia$1,592$796$133
Wisconsin$1,276$638$106
Wyoming$1,588$794$132

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Lincoln Nautilus, 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 Lincoln Nautilus trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on January 23, 2023
Lincoln Nautilus insurance rates by U.S. state

Additional Rate Information

More rate information and different car insurance scenarios that affect policy cost are listed below.

  • Teenage drivers are expensive to insure. Average rates for full coverage Nautilus insurance costs $6,412 per year for a 16-year-old driver, $5,992 per year for a 17-year-old driver, and $5,594 per year for a 18-year-old driver.
  • Avoid accidents for cheaper rates. Multiple at-fault accidents raise rates, possibly as much as $828 per year for a 30-year-old driver and even as much as $546 per year for a 60-year-old driver.
  • Increasing deductibles makes car insurance cheaper. Raising deductibles from $500 to $1,000 could save around $276 per year for a 40-year-old driver and $540 per year for a 20-year-old driver.
  • Lowering deductibles makes car insurance more expensive. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $290 per year for a 40-year-old driver and $568 per year for a 20-year-old driver.
  • As age goes up, auto insurance cost goes down. The difference in insurance rates for a Nautilus between a 40-year-old driver ($1,786 per year) and a 20-year-old driver ($3,554 per year) is $1,768, or a savings of 49.7%.
  • Research discounts to lower the cost. Discounts may be available if the insureds sign their policy early, are homeowners, are good students, insure multiple vehicles on the same policy, or many other discounts which could save the average driver as much as $302 per year on Lincoln Nautilus insurance.
  • Get cheaper rates because of your employer. Many car insurance providers offer discounts for working in professions like farmers, emergency medical technicians, accountants, nurses, college professors, and other occupations. Being employed in a qualifying profession could potentially save between $54 and $178 on your yearly auto insurance bill, subject to policy limits.