Are Lincoln Town Cars Expensive to Insure?

If you want to buy inexpensive Lincoln Town Car insurance coverage then you should know that a policy will cost $111 per month ($1,326 per year) on average. Mature drivers with good driving records may find rates as low as $779 a year.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 17, 2021

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Key takeaways:

  • Full coverage costs around $1,326 a year or $111 each month
  • A liability-only policy costs around $532 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,847 a year or $404 each month
  • Good drivers can save as much as $547 a year by earning policy discounts
  • Lincoln Town Car insurance costs around $193 less per year than the average vehicle

Lincoln Town Car insurance rates are $111 per month for full coverage and $44 per month for liability-only coverage. Lincoln Town Car insurance rates are $193 less than the average vehicle. Find out how you can save more money on auto insurance in this guide.

You can start comparing quotes for Lincoln Town Car auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Lincoln Town Car Insurance Cost

The average Lincoln Town Car auto insurance rates are $1,326 a year or $111 a month.

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Are Lincoln Town Cars Expensive to Insure?

The chart below details how Lincoln Town Car insurance rates compare to other luxury cars like the Jaguar XF, BMW M3, and Infiniti Q70.

Vehicle Comprehensive Collision Liability Total
Jaguar XF $406 $804 $398 $1,766
BMW M3 $406 $804 $398 $1,766
Infiniti Q70 $370 $774 $338 $1,618
Mercedes-Benz C300 $404 $718 $372 $1,652
Audi S7 $532 $1250 $398 $2,338
Lexus IS 350 $344 $686 $398 $1,586
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However, there are a few things you can do to find the cheapest Lincoln insurance rates online.

What Impacts the Cost of Lincoln Town Car Insurance?

The Lincoln Town Car trim and model you choose can impact the total price you will pay for Lincoln Town Car insurance coverage.

Age of the Vehicle

Older Lincoln Town Car models generally cost less to insure. For example, auto insurance for a 2011 Lincoln Town Car costs $1,326, while 2010 Lincoln Town Car insurance costs are $1,292, a difference of $34.

Model Year Comprehensive Collision Liability Total
2011 Lincoln Town Car $242 $466 $460 $1,326
2010 Lincoln Town Car $234 $436 $464 $1,292
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Driver Age

Driver age can have a significant effect on Lincoln Town Car auto insurance rates. As an example, a 30-year-old driver pays around $58 more each year for their Lincoln Town Car auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Lincoln Town Car insurance rates. For example, drivers in Houston may pay $977 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Lincoln Town Car auto insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln Town Car auto insurance rates with violations on their driving record.

Lincoln Town Car Safety Ratings

Your Lincoln Town Car auto insurance rates are tied to the safety ratings of the Lincoln Town Car. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/A
Small overlap front: passenger-side N/A
Moderate overlap front G
Side N/A
Roof strength N/A
Head restraints and seats N/A
Source: Insurance Institute for Highway Safety
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Lincoln Town Car Crash Test Ratings

Good Lincoln Town Car crash test ratings can lower your Lincoln Town Car auto insurance rates. See Lincoln Town Car crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Lincoln Town Car N/R N/R N/R 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Lincoln Town Car Safety Features

The Lincoln Town Car safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Lincoln Town Car auto insurance rates. The Lincoln Town Car’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag On/Off Switch
  • Passenger Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Auto-On Headlights
  • Child Safety Locks
  • Adjustable Pedals
  • Traction Control

Lincoln Town Car Finance and Insurance Cost

If you are financing a Lincoln Town Car, most lenders will require your carry higher Lincoln Town Car coverage options including comprehensive coverage, so be sure to shop around and compare Lincoln Town Car auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Lincoln Town Car Insurance

Save more on your Lincoln Town Car auto insurance rates. Take a look at the following five strategies that will get you the best Lincoln Town Car auto insurance rates possible.

  • Buy a Dashcam for Your Lincoln Town Car
  • Ask About Seasonal Insurance for Your Lincoln Town Car
  • Understand that Your Insurer Can Change Your Lincoln Town Car Auto Insurance Rates Mid-Term for Other Reasons
  • Get Married and Ask for a Discount
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible

Top Lincoln Town Car Insurance Companies

Who is the top auto insurance company for Lincoln Town Car insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lincoln Town Car auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lincoln Town Car offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Lincoln Town Car Insurance Quotes Online

You can start comparing quotes for Lincoln Town Car auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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