Jerry Summary

Lincoln’s 2025 lineup is made up entirely of luxury SUVs, which typically cost more to insure than smaller vehicles due to their higher value, advanced features and repair costs.

A longtime symbol of American luxury, Lincoln is known for its elegant design, smooth rides, and focus on comfort. Originally founded as a standalone brand in 1917, Lincoln was acquired by Ford in 1922 and went on to make its mark with iconic models like the Town Car, a favorite of presidents, celebrities and drivers seeking a premium experience behind the wheel. In recent years, Lincoln has pivoted to modern SUVs like the Aviator and Navigator, embracing cutting-edge technology to stay competitive in today’s market.

While Lincoln sales have faced challenges due to shifting consumer preferences and global supply chain issues, the brand continues to invest in innovative features and electric models to appeal to a new generation of drivers. Its current lineup focuses exclusively on SUVs and crossovers designed to deliver a luxury driving experience.

Lincoln drivers pay an average of $312 per year for car insurance, but keep in mind that rates can vary significantly depending on your specific model and other personal factors. Luxury vehicles like Lincolns often cost more to insure due to higher repair costs and advanced technology. The best way to find out how much you’ll pay to insure your Lincoln is to compare car insurance quotes tailored to your driver profile.

How much does Lincoln car insurance cost?

On average, Lincoln car insurance costs $312 per month for full coverage, according to the most recent analysis of Jerry data. Minimum liability coverage costs an average of $144 per month.

Here’s what Lincoln drivers can expect to pay for full coverage car insurance on different Lincoln models, based on recent Jerry insurance quotes.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Full coverage insurance isn’t required for all vehicles, though it provides the most financial protection. If you would rather opt for state-required minimum coverage, here’s what you can expect to pay for car insurance on different Lincoln models, based on recent quotes for Jerry customers.

Factors that impact Lincoln car insurance costs

Insurance premiums are calculated for individual drivers based on a variety of factors. These include the Lincoln model you drive, its age and whether it’s a midsize SUV like the Nautilus or a full-size luxury SUV like the Navigator. Insurers also consider personal factors like your age, location, driving history, annual mileage and the level of coverage you choose.

When buying Lincoln car insurance, here are some key factors that can affect your premium:

• Vehicle safety. The safer your Lincoln, the more likely you are to see lower insurance costs. Many Lincoln vehicles come standard with advanced safety features like collision avoidance, adaptive cruise control and blind spot monitoring, which can help reduce your premiums. The 2025 Nautilus also received an IIHS top safety pick rating.
• Vehicle value. Luxury vehicles typically cost more to repair or replace, which drives up insurance costs. Higher-end models, like the Lincoln Navigator Black Label L with a starting MSRP of $119,995, are generally more expensive to insure than entry-level trims.
• Technology and repair costs. Lincoln vehicles are packed with premium technology and luxury finishes, but those features can make repairs more costly if damaged. As a result, insurance companies may charge higher premiums to cover potential claims.
• Parts availability. If you drive a Lincoln hybrid or a model with unique components, parts may be less available in some areas, which could impact repair times and costs. This in turn may affect your insurance rates.

About Lincoln’s own insurance company

Lincoln doesn’t sell its own car insurance. Instead, Lincoln offers insurance through Lincoln Motor Company Insure, which acts as an agency managed by Alset Insurance Services. 

If you purchase an auto policy through Lincoln, it will be underwritten by either Incline Property & Casualty Company or Redpoint Casualty Mutual. Currently, Lincoln’s insurance offering is only available to drivers in Oklahoma and Texas.

Lincoln Motor Company Insurance policies can be customized with standard coverage options and come with added perks. Benefits include rental car reimbursement and coverage for original equipment manufacturer (OEM) parts, to ensure your Lincoln is repaired with genuine components after a covered accident.

Average cost of Lincoln car insurance, by state

Even for the same driver and Lincoln vehicle, car insurance premiums can vary significantly from one state to another. Each state sets its own minimum coverage requirements, and factors like population density, accident and theft rates, and exposure to natural disasters can all impact rates. 

For a luxury brand like Lincoln, where advanced technology and high-end materials are standard, these regional differences can have an even greater impact on driver premiums.

Here’s a look at average Lincoln car insurance rates by state.

Best companies for Lincoln car insurance

The Jerry editorial team analyzes hundreds of insurer data points to choose the best car insurance companies each year, based on various industry ratings and factors. Some common variables include subsidiary complaints, insurer financial strength ratings and claims satisfaction.

Here are our top picks for the best car insurance companies of 2025 and the ratings Jerry has assigned each one.

These insurers could be a strong choice for many Lincoln drivers. Keep in mind, though, that some insurance companies only operate in specific states or have stronger reputations in certain areas.

Cheapest car insurance companies for Lincoln cars

The cheapest car insurance company for Lincoln drivers is Aspire Advantage with an average monthly premium of $187, according to Jerry’s analysis of full coverage insurance rates.

Here are the cheapest Lincoln car insurance companies if you’re looking to buy full coverage.

Full coverage isn’t the least expensive insurance option, but it’s often the wisest choice if you want the most financial protection. Without comprehensive and collision coverage, you’d have to pay out of pocket to repair or replace your vehicle after an at-fault accident, theft or other damage.

Minimum liability coverage is often the most affordable way to meet your state’s legal requirements, though. It won’t cover damage to your own car and may fall short of covering all injury or property costs if you cause an accident, but it usually has the least expensive premium.

Here are the cheapest car insurance companies for Lincoln drivers who want only the state’s mandated minimum coverage.

The cheapest Lincoln insurer will vary from state to state, due to varying state regulations and minimum requirements.

Lincoln Navigator insurance costs

The average cost to insure a Lincoln Navigator with full coverage in 2025 was $316 per month, based on data from recent quotes to real Jerry customers.

The Lincoln Navigator is a full-size luxury SUV that blends premium comfort with power, performance and advanced technology. With a starting MSRP of $99,995 for the Reserve model and $119,995 for the fully equipped Black Label L, the 2025 Navigator represents a significant investment — and protecting that investment with the right insurance is imperative.

Because of its high value and advanced features, the Navigator and higher insurance premiums often go hand-in-hand. Luxury materials, powerful engines and complex electronics easily drive up repair costs, while the vehicle’s size, weight and increased theft risk in some areas can also impact rates. Knowing how your Navigator’s trim level, model year and features influence insurance rates can help you find the most protective and cost-effective policy.

Here are the average Navigator insurance rates that drivers have been quoted for full coverage.

Lincoln Aviator insurance costs

The average cost to insure a Lincoln Aviator with full coverage in 2025 was $324 per month, based on data from recent quotes to real Jerry customers.

The Lincoln Aviator is a midsize luxury SUV with seating for up to seven, combining strong performance with advanced safety and technology features. The 2025 model starts at $59,295 for a Premier up to $87,395 for the Black Label, and all trims come standard with Lincoln BlueCruise, which was named the top assisted-driving system by Consumer Reports.

Because of its higher value and complex features — resulting in higher repair and replacement costs — it’s usually more expensive to insure an Aviator than a non-luxury SUV. Comprehensive and collision coverage, as well as OEM parts protection, are often worth considering to ensure that this type of high-end vehicle is fully covered.

Here are the average Aviator insurance rates that drivers have been quoted for full coverage.

Lincoln Corsair insurance costs

The average cost to insure a Lincoln Corsair with full coverage in 2025 was $446 per month, based on data from recent quotes to real Jerry customers.

The Lincoln Corsair is a compact, luxury SUV that offers a smooth ride and a range of advanced features in a smaller package. The 2025 model of this five-seater starts at $39,735 for the Premier turbocharged trim and climbs above $54,365 for the Grand Touring plug-in hybrid.

While its smaller size can help keep insurance costs lower than larger Lincoln models, premiums may still be higher than average due to its luxury status and high-tech components. Hybrid versions may also qualify drivers for certain federal or state EV discounts.

Here are the average Corsair insurance rates that drivers have been quoted for full coverage.

How to buy insurance for your Lincoln

When shopping for Lincoln car insurance, pick a policy that fully protects you, your passengers and your luxury vehicle. Full coverage is often the best choice, with comprehensive, collision, medical payments (MedPay) and uninsured/underinsured motorist (UM/UIM) protection helping safeguard your investment against a wide range of unexpected losses.

State-mandated minimum coverage will meet your basic insurance requirements and protect you against liability, up to your policy’s limits, but it won’t cover your Lincoln if it’s stolen, vandalized or damaged in an at-fault accident. It’s also unlikely to fully cover another driver’s property or injury expenses if you’re responsible for a serious crash, especially when driving a large or mid-size SUV.

When comparing Lincoln insurance quotes, be sure to compare like with like. Check that all liability limits are identical, deductibles match — and are set at an amount you could comfortably handle in an emergency — and that any eligible discounts have been applied. Providing carriers with the most accurate details will help you get the most reliable estimates and avoid any surprises when it’s time to buy.

For added peace of mind, consider boosting your policy with optional coverages such as roadside assistance, new car replacement or rental car reimbursement. If you lease or finance your Lincoln, gap insurance is also worth a look — it can cover the difference between your loan balance and the vehicle’s actual cash value (ACV) if it’s totaled or stolen.

MEET OUR EXPERTS

Stephanie Colestock

Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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