Over the past year, Jerry has helped 6,489 Lincoln drivers find personalized coverage and meaningful savings. By analyzing real Lincoln insurance policies, we know what owners are actually paying and what you can expect for every level of protection.
Competitive annual prices for Lincoln drivers are currently around:
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$884 for basic coverage.
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$2,491 for standard coverage.
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$2,930 for premium coverage.
Of course, these numbers are just benchmarks. Your rate depends on factors like your driving record, location and the type of Lincoln you drive.
On average, Lincoln drivers pay between $2,354 and $5,144 annually for full coverage, with an average premium around $4,141. That’s similar to the national average of $4,144, reflecting Lincoln’s advanced safety systems and high-end technology.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Lincoln insurance with Jerry.
How much does Lincoln insurance cost?
Lincoln insurance costs vary, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Two Lincoln drivers in the same city can pay very different premiums. Jerry compares quotes from leading insurers to help you find protection that fits your vehicle, lifestyle and expectations.
What’s the best insurance for a Lincoln?
Owning a Lincoln means driving with comfort, confidence and craftsmanship. Protecting it requires coverage that matches its standard, not just the legal minimum.
If your Lincoln is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your car is totaled.
Jerry recommends that Lincoln drivers consider buying at least 100/300/100 liability with collision and comprehensive. While that’s higher than most state minimums, it’s smart protection for a luxury vehicle with advanced parts and features that cost more to repair.
Whether you’re leasing or own your Lincoln outright, there are several coverage options that help protect your investment. Here are some of the most common, what they include and why Lincoln owners choose them.
Higher liability limits
Lincolns are safe and well-built, but can cause a lot of damage in an at-fault accident. Nearly half (46%) of Jerry Lincoln drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision coverage protect your Lincoln from theft, weather damage or at-fault accidents. About 35% of Jerry Lincoln drivers carry full coverage for complete confidence.
OEM parts coverage
Keeps your Lincoln performing as designed after a claim with factory-approved parts and expert technicians. Usually available for vehicles between three and ten years old.
New car replacement
Replaces your Lincoln with a new model if it’s totaled early on. This coverage is especially useful given the brand’s high-value components and advanced technology.
Roadside assistance
Covers towing, jump-starts and lockouts. Newer Lincolns include roadside coverage for up to six years, but many owners extend it for continued peace of mind.
Rental reimbursement
Covers a rental car while your Lincoln is in the shop. Most insurers offer 30 to 45 days of coverage, depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your Lincoln is totaled. About 39% of drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rates steady after your first at-fault accident. Without it, Lincoln drivers can see premiums rise over 25% on average.
See coverage options for your Lincoln.
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Coverage definitions
4 ways Lincoln drivers can shop and lower insurance costs
Finding the right Lincoln insurance means balancing value and protection. Jerry’s experts help Lincoln drivers lower premiums without compromising the quality of their coverage.
Here are our top tips for building your idea policy at the right price.
| How to save | Typical savings |
|---|---|
| Compare quotes | 33% to 57% among Lincoln drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Keep a clean driving record | 23% among Lincoln drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes to find the best deal
Not every insurer prices Lincoln coverage accurately. Some overestimate repair costs, while others miss the brand’s strong reliability and safety record. That can create major price gaps for identical protection.
Here’s where Lincoln drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Lincoln drivers who switched | Average Jerry savings |
|---|---|---|
| Bristol West | 25% | 43% |
| National General | 25% | 45% |
| Progressive | 25% | 36% |
| Trexis | 25% | 17% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Lincoln drivers can save nearly half by comparing quotes. Jerry shows live prices in real time so you can choose the right coverage before you buy.
Tip 2: Combine discounts for bigger savings
Many Lincoln owners qualify for discounts tied to safe driving, home-and-auto bundles or policy renewals, but insurers don’t always apply them automatically. Jerry finds discounts for you to make sure you get full value.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Customize coverage for your Lincoln
From the Corsair to the Navigator, Lincolns balance luxury with performance, which leads many drivers to buy more coverage than the bare minimum. Most owners start with full coverage and higher limits on new models, then adjust deductibles and extras as their vehicles age.
Minimum
$74 – $170/mo
Offers the legal minimum limits, which vary by state.
Full
$151 – $316/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$194 – $412/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$225 – $484/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Lincoln drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend a minimum of 100/300/100 for dependable protection that fits your vehicle and lifestyle.
Tip 4: Keep a clean driving record
For Lincoln drivers, a clean record can lower premiums by an average of 23%. Avoiding tickets and at-fault accidents is one of the most effective ways to keep costs low and preserve your vehicle’s premium coverage.
Methodology
Based on drivers aged 35-44 who requested standard coverage quotes through Jerry, driving one vehicle (model years 2015 or newer), over the past 18 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Lincoln drivers, real savings
Curious how much Lincoln owners save? Here are real drivers, their vehicles and the deals they found by comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Lincoln insurance costs can vary, but paying more than necessary shouldn’t be part of the experience. Whether you drive a Navigator, Aviator or Corsair, Jerry helps you find insurance that matches your Lincoln’s refined performance and peace of mind.
We compare top insurers, identify every discount and manage renewals so your coverage remains as smooth and effortless as your drive.
It only takes 2 minutes to sign up at Jerry.
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.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
