Lincoln Nautilus Insurance Cost for 2022

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 $1,594 annually to insure a Lincoln Nautilus for full coverage, which is the equivalent of around $133 a month. Collision coverage will cost around $774 a year, liability and medical (or PIP) coverage costs approximately $436, and the remaining comprehensive (or other-than-collision) coverage is an estimated $384.

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 2022 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 June 24, 2022
Lincoln Nautilus Car Insurance Rates
Lincoln Nautilus Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,666$222
$500$3,182$265
$250$3,728$311
30$1,000$1,400$117
$500$1,686$141
$250$1,986$166
40$1,000$1,332$111
$500$1,594$133
$250$1,868$156
50$1,000$1,216$101
$500$1,452$121
$250$1,698$142
60$1,000$1,194$100
$500$1,428$119
$250$1,670$139

Which Nautilus has the cheapest insurance?

The cheapest trim level of Lincoln Nautilus to insure is the Standard 2WD at an estimated $1,458 per year. The most expensive trim level of Lincoln Nautilus to insure is the Black Label AWD at $1,690 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 2022 model and trim level.

2022 Lincoln Nautilus Insurance Cost by Trim Level
Lincoln Nautilus Trim Level Annual Policy 6-month Policy Per Month
Standard 2WD$1,458$729$122
Standard AWD$1,494$747$125
Reserve 2WD$1,546$773$129
Reserve AWD$1,590$795$133
Reserve I 2WD$1,598$799$133
Reserve I AWD$1,632$816$136
Reserve II 2WD$1,650$825$138
Reserve II AWD$1,682$841$140
Black Label AWD$1,690$845$141

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 June 24, 2022
Lincoln Nautilus Insurance Cost by Trim Level

How does Nautilus insurance cost rank?

The Lincoln Nautilus ranks #5 out of 36 total vehicles in the midsize luxury SUV segment for auto insurance affordability. The Nautilus costs an average of $1,594 per year for full coverage insurance, while the segment median average cost is $1,843 annually, a difference of $249 per year.

When Nautilus car insurance cost is compared to other midsize luxury SUVs, the Nautilus costs $24 more per year than the Lexus RX 350, $344 less than the BMW X5, $16 more than the Acura MDX, and $94 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 2022 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 June 24, 2022
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
1Cadillac XT5$1,500-$94
2Jaguar E-Pace$1,564-$30
3Lexus RX 350$1,570-$24
4Acura MDX$1,578-$16
5Lincoln Nautilus$1,594--
6Lexus RX 450h$1,608$14
7Infiniti QX50$1,614$20
8Lexus RX 350L$1,628$34
9Cadillac XT6$1,640$46
10Volvo V60$1,648$54
11Land Rover Discovery$1,660$66
12Land Rover Discovery Sport$1,662$68
13Lexus RX 450hL$1,676$82
14Volvo V90$1,688$94
15Lincoln Aviator$1,720$126
16Mercedes-Benz AMG GLB35$1,740$146
17Mercedes-Benz GLE450$1,744$150
18Lexus GX 460$1,766$172
19Infiniti QX60$1,774$180
20Mercedes-Benz GLE350$1,784$190
21Genesis GV80$1,818$224
22Mercedes-Benz AMG GLC43$1,846$252
23Audi SQ5$1,874$280
24BMW X5$1,938$344
25Audi Q8$1,966$372
26Audi Q7$1,998$404
27Land Rover Range Rover Sport$2,020$426
28BMW iX$2,034$440
29Tesla Model X$2,064$470
30Audi SQ7$2,124$530
31Audi e-tron$2,144$550
32Mercedes-Benz AMG GLE53$2,150$556
33BMW X6$2,200$606
34Mercedes-Benz AMG GLE63$2,292$698
35Porsche Cayenne$2,314$720
36Audi RS 6$2,390$796

Can my address impact the cost of car insurance?

The cost of insuring your Nautilus can cover a wide range, from lower rates like $1,070 a year in Virginia Beach, VA, or $1,140 in Charlotte, NC, to higher rates like $3,724 a year in New Orleans, LA, and $6,228 in Detroit, MI.

The average car insurance cost for a Lincoln Nautilus in some other cities include Jacksonville, FL, at $2,256 per year, El Paso, TX, at an estimated $1,464, Portland, OR, at $1,802, and San Francisco, CA, averaging $2,268.

The next chart shows average car insurance policy costs for a Lincoln Nautilus in the 15 largest cities in America. Average rates range from $1,196 per year in Columbus, OH, to $3,002 in New York City, a difference of $1,806.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 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 June 24, 2022
Lincoln Nautilus Insurance Rates in Large U.S. Cities
Lincoln Nautilus Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,002$250
Philadelphia, PA$2,652$221
Los Angeles, CA$2,638$220
San Francisco, CA$2,268$189
Jacksonville, FL$2,256$188
San Jose, CA$1,882$157
Phoenix, AZ$1,828$152
San Diego, CA$1,790$149
Chicago, IL$1,728$144
Dallas, TX$1,696$141
Houston, TX$1,690$141
Indianapolis, IN$1,602$134
San Antonio, TX$1,522$127
Austin, TX$1,448$121
Columbus, OH$1,196$100

Average Lincoln Nautilus insurance cost by state

States like Idaho ($1,254), Iowa ($1,152), and Maine ($1,098) have cheaper car insurance rates, while states like Nevada ($1,746), Florida ($2,326), and Michigan ($2,534) have more expensive auto insurance.

The majority of states, like Alabama, Pennsylvania, and Kansas, tend to be closer to the average rate, costing $1,298, $1,338, and $1,602 per year, respectively.

Lincoln Nautilus Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,298$649$108
Alaska$1,394$697$116
Arizona$1,416$708$118
Arkansas$1,704$852$142
California$1,822$911$152
Colorado$1,696$848$141
Connecticut$1,540$770$128
Delaware$1,618$809$135
Florida$2,326$1,163$194
Georgia$1,538$769$128
Hawaii$1,080$540$90
Idaho$1,254$627$105
Illinois$1,286$643$107
Indiana$1,190$595$99
Iowa$1,152$576$96
Kansas$1,602$801$134
Kentucky$1,852$926$154
Louisiana$2,304$1,152$192
Maine$1,098$549$92
Maryland$1,436$718$120
Massachusetts$1,304$652$109
Michigan$2,534$1,267$211
Minnesota$1,398$699$117
Mississippi$1,504$752$125
Missouri$1,686$843$141
Montana$1,550$775$129
Nebraska$1,520$760$127
Nevada$1,746$873$146
New Hampshire$958$479$80
New Jersey$1,504$752$125
New Mexico$1,276$638$106
New York$1,692$846$141
North Carolina$1,012$506$84
North Dakota$1,320$660$110
Ohio$924$462$77
Oklahoma$1,546$773$129
Oregon$1,332$666$111
Pennsylvania$1,338$669$112
Rhode Island$1,874$937$156
South Carolina$1,464$732$122
South Dakota$1,442$721$120
Tennessee$1,256$628$105
Texas$1,498$749$125
Utah$1,314$657$110
Vermont$1,056$528$88
Virginia$1,024$512$85
Washington$1,208$604$101
West Virginia$1,432$716$119
Wisconsin$1,080$540$90
Wyoming$1,462$731$122

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 June 24, 2022
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 $5,652 per year for a 16-year-old driver, $5,312 per year for a 17-year-old driver, and $4,970 per year for a 18-year-old driver.
  • Avoid accidents for cheaper rates. Multiple at-fault accidents raise rates, possibly as much as $742 per year for a 30-year-old driver and even as much as $482 per year for a 60-year-old driver.
  • Increasing deductibles makes car insurance cheaper. Raising deductibles from $500 to $1,000 could save around $262 per year for a 40-year-old driver and $516 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 $274 per year for a 40-year-old driver and $546 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 ($1,594 per year) and a 20-year-old driver ($3,182 per year) is $1,588, or a savings of 49.9%.
  • 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 $270 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 $48 and $159 on your yearly auto insurance bill, subject to policy limits.