Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Lincoln is a part of the Ford Motor Company, which makes cars giving smooth and quiet rides, luxurious interiors, and cutting-edge technology. It has a wide range of luxury SUVs including Aviator and Navigator.
The average car insurance for a Lincoln, for a 40-year-old driver, costs $2,451 per year based on 2023 insurance rates. Of course, what drivers pay to insure a Lincoln varies depending on their insurance company, driving record, the state in which they live, and the model of their car.
But to help educate Lincoln owners on the type of rates they can expect, Insurance.com gathered data on insurance rates for some of the carmaker’s most popular models. Read on to learn about the average car insurance rates for these Lincolns.
Lincoln car insurance cost by model: Most and least expensive
The Navigator is the most expensive Lincoln car to insure with an average yearly cost of $2,803 for a 40-year-old driver. Whereas the cheapest model to insure is the Lincoln Corsair with an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $2,049 for a 40-year-old driver.
How much does it cost to insure a Lincoln car?
As mentioned above, average auto insurance rates vary depending on a number of factors, including the make and model of the car. However, there are some general trends. For example, newer and more expensive cars tend to have higher insurance rates than older and less expensive models.
Ultimately, the best way to determine how much it costs to insure a Lincoln is to get quotes from multiple car insurance companies.
As a guide, Insurance.com’s editorial staff put together the following list based on 2023 insurance rates.
| Year and model | Average annual premium |
|---|---|
| 2023 Lincoln Corsair | $2,049 |
| 2023 Lincoln Nautilus | $2,122 |
| 2023 Lincoln Aviator | $2,495 |
| 2023 Lincoln Navigator | $2,803 |
Choose your vehicle model
Lincoln Corsair insurance cost
- The average cost of insuring a Lincoln Corsair is $2,049 per year
- MSRP- $38,730
- Trim Level- Grand Touring, Reserve with Jet Appearance Package, Reserve, and Premiere with Jet Appearance Package
One other vehicle the editors looked at is the Lincoln Corsair. It is a luxury SUV known for providing a comfortable and luxurious driving experience. The cost of insuring a 2023 Corsair is $234 more than that of insuring a 2020 Corsair.
The table below provides the average insurance cost for the Lincoln Corsair by model year, by company and by state, based on 2023 rates:
| Year and model | Average annual premium |
|---|---|
| 2023 Lincoln Corsair | $2,049 |
| 2022 Lincoln Corsair | $1,746 |
| 2021 Lincoln Corsair | $1,597 |
| 2020 Lincoln Corsair | $1,815 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,433 | $119 |
| Nationwide | $1,667 | $139 |
| Geico | $1,704 | $142 |
| Progressive | $2,190 | $183 |
| Farmers | $2,450 | $204 |
| Allstate | $2,852 | $238 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,174 | 6% less |
| Alaska | $1,589 | 31% less |
| Arizona | $2,128 | 8% less |
| Arkansas | $2,288 | 1% less |
| California | $2,562 | 11% more |
| Colorado | $2,529 | 10% more |
| Connecticut | $1,885 | 18% less |
| Delaware | $2,118 | 8% less |
| Florida | $2,584 | 12% more |
| Georgia | $2,422 | 5% more |
| Hawaii | $1,546 | 33% less |
| Idaho | $1,485 | 36% less |
| Illinois | $1,911 | 17% less |
| Indiana | $1,781 | 23% less |
| Iowa | $1,730 | 25% less |
| Kansas | $1,963 | 15% less |
| Kentucky | $2,536 | 10% more |
| Louisiana | $3,314 | 44% more |
| Maine | $1,310 | 43% less |
| Maryland | $2,041 | 11% less |
| Massachusetts | $2,042 | 11% less |
| Michigan | $2,671 | 16% more |
| Minnesota | $2,024 | 12% less |
| Mississippi | $1,964 | 15% less |
| Missouri | $2,505 | 9% more |
| Montana | $2,030 | 12% less |
| Nebraska | $2,347 | 2% more |
| Nevada | $1,942 | 16% less |
| New Hampshire | $1,508 | 35% less |
| New Jersey | $2,242 | 3% less |
| New Mexico | $2,171 | 6% less |
| New York | $1,527 | 34% less |
| North Carolina | $1,858 | 19% less |
| North Dakota | $1,682 | 27% less |
| Ohio | $1,661 | 28% less |
| Oklahoma | $1,984 | 14% less |
| Oregon | $1,952 | 15% less |
| Pennsylvania | $2,001 | 13% less |
| Rhode Island | $2,313 | Equal |
| South Carolina | $2,035 | 12% less |
| South Dakota | $2,440 | 6% more |
| Tennessee | $2,249 | 2% less |
| Texas | $2,502 | 9% more |
| Utah | $1,901 | 18% less |
| Vermont | $1,532 | 34% less |
| Virginia | $1,555 | 33% less |
| Washington | $1,659 | 28% less |
| Washington, D.C. | $2,222 | 4% less |
| West Virginia | $1,694 | 27% less |
| Wisconsin | $1,607 | 30% less |
| Wyoming | $2,295 | Equal |
Lincoln Nautilus insurance cost
- The average cost of insuring a Lincoln Nautilus is $2,122 per year
- MSRP- $47,325
- Trim Level- Black Label, Reserve, and Standard
The next vehicle that the editors looked at is the Lincoln Nautilus. The cost of insuring a 2023 Nautilus is $397 more than that of insuring a 2019 Nautilus.
It offers driver's assistance features including - adaptive cruise control with stop-and-go and lane-changing assist, auto hold, intelligent all-wheel drive, and more.
The table below provides the average insurance cost for the Lincoln Nautilus by model year, based on 2023 rates:
| Year and model | Average annual premium |
|---|---|
| 2023 Lincoln Nautilus | $2,122 |
| 2022 Lincoln Nautilus | $1,723 |
| 2021 Lincoln Nautilus | $1,634 |
| 2020 Lincoln Nautilus | $1,716 |
| 2019 Lincoln Nautilus | $1,725 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,442 | $120 |
| Nationwide | $1,648 | $137 |
| Geico | $1,781 | $148 |
| Progressive | $2,417 | $201 |
| Farmers | $2,476 | $206 |
| Allstate | $2,967 | $247 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,101 | 9% less |
| Alaska | $1,733 | 25% less |
| Arizona | $2,181 | 5% less |
| Arkansas | $2,340 | 2% more |
| California | $2,690 | 17% more |
| Colorado | $2,606 | 13% more |
| Connecticut | $2,055 | 11% less |
| Delaware | $2,203 | 4% less |
| Florida | $2,749 | 19% more |
| Georgia | $2,529 | 10% more |
| Hawaii | $1,504 | 35% less |
| Idaho | $1,524 | 34% less |
| Illinois | $1,931 | 16% less |
| Indiana | $1,829 | 21% less |
| Iowa | $1,774 | 23% less |
| Kansas | $2,004 | 13% less |
| Kentucky | $2,600 | 13% more |
| Louisiana | $3,407 | 48% more |
| Maine | $1,491 | 35% less |
| Maryland | $2,113 | 8% less |
| Massachusetts | $2,222 | 4% less |
| Michigan | $2,650 | 15% more |
| Minnesota | $2,017 | 12% less |
| Mississippi | $2,036 | 12% less |
| Missouri | $2,404 | 4% more |
| Montana | $2,086 | 10% less |
| Nebraska | $2,239 | 3% less |
| Nevada | $1,983 | 14% less |
| New Hampshire | $1,635 | 29% less |
| New Jersey | $2,252 | 2% less |
| New Mexico | $2,220 | 4% less |
| New York | $1,627 | 29% less |
| North Carolina | $1,966 | 15% less |
| North Dakota | $1,769 | 23% less |
| Ohio | $1,726 | 25% less |
| Oklahoma | $2,040 | 11% less |
| Oregon | $2,002 | 13% less |
| Pennsylvania | $2,147 | 7% less |
| Rhode Island | $2,491 | 8% more |
| South Carolina | $2,194 | 5% less |
| South Dakota | $2,549 | 11% more |
| Tennessee | $2,307 | Equal |
| Texas | $2,627 | 14% more |
| Utah | $1,949 | 15% less |
| Vermont | $1,654 | 28% less |
| Virginia | $1,596 | 31% less |
| Washington | $1,776 | 23% less |
| Washington, D.C. | $2,415 | 5% more |
| West Virginia | $1,853 | 20% less |
| Wisconsin | $1,670 | 28% less |
| Wyoming | $2,553 | 11% more |
Lincoln Aviator insurance cost
- The average annual insurance rate for an Aviator is $2,495 for a 40-year-old driver
- MSRP- $53,340
- Trim Level- Black Label, Reserve and Premiere
For a 40-year-old driver, it costs about $2,495 a year to insure a Lincoln Aviator. The Aviator competes in the competitive compact SUV niche against the Audi Q7, BMW X7, Volvo CX90, and others.
The Lincoln Aviator is a midsize luxury SUV, launched in 2003. With elegant design and sophisticated features, the Aviator is considered a premium family-oriented SUV.
The table below provides the average insurance costs for the Lincoln Aviator by model year, by company and by state:
| Year and model | Average annual premium |
|---|---|
| 2023 Lincoln Aviator | $2,495 |
| 2022 Lincoln Aviator | $2,009 |
| 2021 Lincoln Aviator | $1,939 |
| 2020 Lincoln Aviator | $2,562 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,682 | $140 |
| Nationwide | $1,926 | $160 |
| Geico | $2,355 | $196 |
| Progressive | $2,615 | $218 |
| Farmers | $2,919 | $243 |
| Allstate | $3,533 | $294 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,445 | 6% more |
| Alaska | $1,902 | 17% less |
| Arizona | $2,564 | 11% more |
| Arkansas | $2,795 | 21% more |
| California | $3,004 | 30% more |
| Colorado | $3,307 | 43% more |
| Connecticut | $2,279 | 1% less |
| Delaware | $2,552 | 11% more |
| Florida | $3,164 | 37% more |
| Georgia | $2,787 | 21% more |
| Hawaii | $1,644 | 29% less |
| Idaho | $1,827 | 21% less |
| Illinois | $2,278 | 1% less |
| Indiana | $2,145 | 7% less |
| Iowa | $2,133 | 7% less |
| Kansas | $2,481 | 8% more |
| Kentucky | $3,245 | 41% more |
| Louisiana | $3,972 | 72% more |
| Maine | $1,924 | 17% less |
| Maryland | $2,439 | 6% more |
| Massachusetts | $2,633 | 14% more |
| Michigan | $3,102 | 35% more |
| Minnesota | $2,425 | 5% more |
| Mississippi | $2,447 | 6% more |
| Missouri | $2,955 | 28% more |
| Montana | $2,612 | 13% more |
| Nebraska | $2,802 | 22% more |
| Nevada | $2,209 | 4% less |
| New Hampshire | $1,922 | 17% less |
| New Jersey | $2,508 | 9% more |
| New Mexico | $2,631 | 14% more |
| New York | $2,020 | 12% less |
| North Carolina | $2,436 | 6% more |
| North Dakota | $2,182 | 5% less |
| Ohio | $2,014 | 13% less |
| Oklahoma | $2,457 | 7% more |
| Oregon | $2,289 | 1% less |
| Pennsylvania | $2,383 | 3% more |
| Rhode Island | $2,848 | 24% more |
| South Carolina | $2,516 | 9% more |
| South Dakota | $3,294 | 43% more |
| Tennessee | $2,744 | 19% more |
| Texas | $3,091 | 34% more |
| Utah | $2,231 | 3% less |
| Vermont | $1,979 | 14% less |
| Virginia | $1,826 | 21% less |
| Washington | $1,939 | 16% less |
| Washington, D.C. | $2,774 | 20% more |
| West Virginia | $2,122 | 8% less |
| Wisconsin | $2,030 | 12% less |
| Wyoming | $3,300 | 43% more |
Lincoln Navigator insurance cost
- For a 40-year-old driver, the average insurance cost for a Lincoln Navigator is $2,803 per year.
- MSRP - $79,725
- Trim Level- Black Label Navigator, Black Lable Navigator L, Reserve, Reserve L, and Standard
The average cost of insuring a Lincoln Navigator for a 40-year-old driver is $2,803 per year or $233 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Navigator you choose may affect your annual car insurance premium.
The car offers a range of safety features including an enhanced security system and lane-keeping system, according to Lincoln. The Lincoln Navigator competes with cars like the Jeep Wagoneer, Cadillac Escalade, and Infiniti QX80.
The table below provides average insurance costs for the Lincoln Navigator by model year, by company and by state:
| Year and model | Average annual premium |
|---|---|
| 2023 Lincoln Navigator | $2,803 |
| 2022 Lincoln Navigator | $2,310 |
| 2021 Lincoln Navigator | $2,215 |
| 2020 Lincoln Navigator | $2,185 |
| 2019 Lincoln Navigator | $2,237 |
| 2018 Lincoln Navigator | $2,133 |
| 2017 Lincoln Navigator | $2,049 |
| 2016 Lincoln Navigator | $1,965 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,971 | $164 |
| Nationwide | $2,025 | $169 |
| Geico | $2,543 | $212 |
| Progressive | $2,955 | $246 |
| Farmers | $3,136 | $261 |
| Allstate | $4,187 | $349 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,715 | 18% more |
| Alaska | $2,175 | 6% less |
| Arizona | $2,828 | 23% more |
| Arkansas | $3,100 | 34% more |
| California | $3,053 | 32% more |
| Colorado | $3,527 | 53% more |
| Connecticut | $2,634 | 14% more |
| Delaware | $2,965 | 29% more |
| Florida | $3,342 | 45% more |
| Georgia | $3,048 | 32% more |
| Hawaii | $1,855 | 20% less |
| Idaho | $2,056 | 11% less |
| Illinois | $2,500 | 8% more |
| Indiana | $2,410 | 5% more |
| Iowa | $2,436 | 6% more |
| Kansas | $2,817 | 22% more |
| Kentucky | $3,744 | 62% more |
| Louisiana | $4,327 | 88% more |
| Maine | $2,217 | 4% less |
| Maryland | $2,816 | 22% more |
| Massachusetts | $3,067 | 33% more |
| Michigan | $3,305 | 43% more |
| Minnesota | $2,716 | 18% more |
| Mississippi | $2,902 | 26% more |
| Missouri | $3,362 | 46% more |
| Montana | $3,004 | 30% more |
| Nebraska | $3,194 | 39% more |
| Nevada | $2,424 | 5% more |
| New Hampshire | $2,263 | 2% less |
| New Jersey | $2,872 | 25% more |
| New Mexico | $2,925 | 27% more |
| New York | $2,160 | 6% less |
| North Carolina | $2,653 | 15% more |
| North Dakota | $2,574 | 12% more |
| Ohio | $2,216 | 4% less |
| Oklahoma | $2,697 | 17% more |
| Oregon | $2,558 | 11% more |
| Pennsylvania | $2,851 | 24% more |
| Rhode Island | $3,284 | 42% more |
| South Carolina | $2,702 | 17% more |
| South Dakota | $3,844 | 67% more |
| Tennessee | $3,008 | 30% more |
| Texas | $3,461 | 50% more |
| Utah | $2,472 | 7% more |
| Vermont | $2,474 | 7% more |
| Virginia | $2,046 | 11% less |
| Washington | $1,969 | 15% less |
| Washington, D.C. | $3,066 | 33% more |
| West Virginia | $2,509 | 9% more |
| Wisconsin | $2,286 | 1% less |
| Wyoming | $3,833 | 66% more |
Methodology
Insurance.com, with the help of Quadrant Information Services, gathered rates for various Lincoln models. The data is based on the sample profile of a 40-year-old male driver. All rates are based on the profile of a driver with a clean record and full coverage policy.
The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and Collision deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim.. Where 100/300/100 represents:
- $100,000 coverage for bodily injury per person
- $300,000 in bodily injury per accident
- $100,000 for property damage
Sources
- Lincoln.com “About Lincoln Corsair” Accessed November 2023
- Lincoln.com“About Licnoln Nautilus” Accessed November 2023
- Lincoln.com “About Lincoln Aviator” Accessed November 2023
- Lincoln.com “About Lincoln Navigator” Accessed November 2023