Cheap Lincoln Auto Insurance in 2025 (Earn Savings With These 10 Companies!)

Lincoln owners will find the lowest rates for cheap Lincoln auto insurance at AAA, State Farm, and Travelers.

Finding the best auto insurance for luxury cars means paying more for your Lincoln coverage, primarily due to higher repair and replacement costs.

Our Top 10 Company Picks: Cheap Lincoln Auto Insurance

However, there are still ways to lower your Lincoln auto insurance payment. From finding discounts to shopping at the cheapest companies, Lincoln drivers have plenty of options to save on their insurance.

Read on to learn more about cheap Lincoln car insurance coverage. After, find free auto insurance quotes with as many companies as possible to get a policy that matches the quality of your Lincoln.

#1 – AAA: Top Pick Overall

Pros

• Roadside Assistance: Learn more about AAA’s roadside assistance program in our AAA review.
• Membership Benefits: You can get discounts with your AAA membership beyond insurance.
• Customizable Coverage: Tailor coverage options for your Lincoln.

Cons

• Membership Fees: You’ll have to pay an annual fee to purchase Lincoln auto insurance.
• Limited Availability: AAA operates out of regional clubs, so coverages, discounts, and customer service can vary.

#2 – State Farm: Best for Customer Service

Pros

• Customer Service: Lincoln owners can get in-person assistance by locating a local agent nearby.
• Roadside Assistance: Add State Farm’s roadside assistance to your policy for help if your Lincoln breaks down.
• Coverage Options: Learn what coverages you can put on your Lincoln in our State Farm auto insurance review.

Cons

• Rates Based on Credit Score: In some states, State Farm charges drivers with poor credit scores higher rates.
• Discount Savings: Depending on your location, you may have lower discount amounts available at State Farm.

#3 – Travelers: Best for Bundling Policies

Pros

• Bundling Policies: Travelers has other insurance types, like home insurance, that you can bundle with auto insurance.
• Discount Programs: You may be able to get a discount of 30%  from Travelers’ UBI program.
• Flexible Coverages: Adjust coverages to fit your budget. Learn more in our Travelers auto insurance review.

Cons

• Teen Driver Rates: Travelers is one of the more expensive companies for young drivers buying their own policies.
• UBI Rate Increases for Poor Drivers: Bad drivers may actually see rate increases instead of a discount.

#4 – Progressive: Best for Online Tools

Pros

• Online Tools: Progressive offers various online tools to assist drivers, such as its budgeting tool, Name Your Price.
• Snapshot: Lincoln drivers could earn a big discount with Progressive’s UBI program. Discover more discounts in our Progressive auto insurance review.
• Coverage Variety: Progressive offers an excellent variety of coverages, such as rideshare insurance.

Cons

• UBI Rate Increases for Poor Drivers: Bad drivers may see rate increases after participating in Snapshot.
• Customer Claims Satisfaction: Claims processing may not be the fastest at Progressive.

#5 – The Hartford: Best for Organization Discount

Pros

• Organization Discount: The Hartford offers discounted coverage to AARP members.
• Customer Service: The Hartford’s dedication to customer service has earned it good ratings. Read more in our The Hartford review.
• Bundling Options: The Hartford sells more than just car insurance, so you can bundle policies easily.

Cons

• Teen Rates: The Hartford’s rates are expensive for teen drivers buying their own policy.
• Limited Digital Presence: The Hartford’s digital tools aren’t as robust.

#6 – Nationwide: Best for Usage-Based Insurance

Pros

• Usage-Based Insurance: Nationwide offers pay-per-mile insurance or a good driver discount based on usage.
• Coverage Variety: Add on great coverages like gap insurance to protect your Lincoln. Find more coverage choices in our Nationwide auto insurance review.
• Deductible Reduction: Not filing claims during your policy period will earn you a reduction in your deductible.

Cons

• Limited Availability: Despite its name, Nationwide doesn’t sell insurance in a few states.
• DUI Rates: If you are charged with a DUI, you may want to shop elsewhere.

#7 – Farmers: Best for Safe-Driving Discounts

Pros

• Safe-Driving Discounts: Earn discounts by driving safely. Find out more ways to save in our Farmers review.
• Coverage Selection: In most cases, you will be able to find the coverage you want for your Lincoln.
• On Your Side Review: Farmers will work with you to make sure you’re happy with your coverage.

Cons

• Claim Reviews: Farmers’ claims processing is sometimes rated poorly.
• Limited Digital Tools: In some cases, you will have to contact an agent instead of being able to perform the task online.

#8 – American Family: Best for Costco Members

Pros

• Costco Members: Costco members can purchase American Family insurance through Costco.
• KnowYourDrive: Earn up to 30% off your policy with this discount opportunity. Our American Family review goes over more ways to save.
• Accident Forgiveness: A great driving record may help you avoid rate increases from an accident.

Cons

• Availability: Coverage is not sold in most states.
• Average Rates: Rates can be high for high-risk demographics.

#9 – Allstate: Best for Infrequent Drivers

Pros

• Infrequent Drivers: Check out Allstate’s pay-per-mile insurance if you rarely drive your Lincoln.
• Coverage Options: You can choose from specialty coverages like new car replacement. Read our Allstate auto insurance review for more coverage options.
• Deductible Reductions: You can save up to $500 on your deductible by staying claims-free.

Cons

• Higher Rates: Allstate may be too expensive for some higher-risk demographics.
• Claim Reviews: Customers have some negative feedback for Allstate’s claims processing.

#10 – Liberty Mutual: Best for Add-On Coverages

Pros

• Add-On Coverages: Choose from unique options like better car replacement. Learn about other coverage options in our Liberty Mutual auto insurance review.
• 24/7 Support: A Liberty Mutual representative can provide support at any time.
• Organization Discounts: Liberty Mutual offers discounts for certain organizations, such as the military.

Cons

• Rates After Violations: Liberty Mutual’s rates are often not the cheapest option for drivers with violations on their driving records.
• Claim Reviews: Liberty Mutual has some complaints about its claims processing.

Types of Auto Insurance for Lincolns

Before you decide which company to shop from, you should understand what type of insurance you need and read Lincoln auto insurance reviews. Most drivers buy either minimum insurance or full coverage policy. State minimum auto insurance requirements are the least amount of coverage you can purchase in your state and still drive. While it’s the cheapest option for insurance, Lincolns usually benefit from more coverage.

Lincoln Auto Insurance Monthly Rates by Coverage Level & Provider

Full coverage is ideal for people with a car loan or lease or who own new or expensive vehicles. Many Lincolns come with hefty price tags, so full coverage is usually the best choice for insurance. A full coverage policy includes the following types of insurance:

• Liability: Liability auto insurance is the most commonly required insurance by state law and pays for injuries and damage you cause in an at-fault accident. It does not pay for your car repairs or medical bills.
• Collision: If you want your insurance to cover your car repairs after an accident, there’s collision auto insurance. Collision insurance also covers your vehicle if you hit a stationary object, like a parked car.
• Comprehensive: There’s a lot more than collisions that can damage your vehicle. Comprehensive auto insurance covers damage from things like theft, vandalism, fire, extreme weather, and floods.
• Personal Injury Protection/Medical Payments: Medical payments and personal injury protection (PIP) auto insurance pay for health care expenses after an accident. The type you can buy depends on your state.
• Uninsured/Underinsured Motorist: While most states require auto insurance, not all drivers follow the law. Uninsured motorist coverage protects you from people without enough coverage.

On top of these basic types of coverage, most companies also offer add-ons to increase the protection of your car. Popular add-ons for Lincolns include roadside assistance coverage, gap insurance, rental car reimbursement, and OEM parts coverage. Be careful about adding too much coverage to your policy — add-ons can significantly increase your rates.

Cost of Lincoln Auto Insurance

How much does Lincoln auto insurance cost? As Ford’s luxury brand, Lincoln offers an appealing mix of high-end rides at affordable prices. While you’ll pay more for a Lincoln than you would for standard vehicles, the best Lincoln car insurance policies tend to be a little cheaper than those of many of their luxury competitors.

Read more: Ford Auto Insurance

Like all vehicle brands, the amount you pay for Lincoln auto insurance depends on the model you buy, as Lincoln Continental car insurance is going to be different in price than Lincoln MKC car insurance.

You’ll also pay higher insurance prices simply because Lincoln is a luxury brand. Luxury cars are built with more expensive materials, have some delicate systems, and come with the latest technology, all of which translates to higher repair costs.

To see how much you might pay for Lincoln auto insurance, check the average rates for different models below.

Lincoln Full Coverage Auto Insurance Monthly Rates by Model

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As far as luxury insurance is concerned, Lincolns have fairly affordable car insurance rates compared with other brands. For example, the best auto insurance for a Porsche is about 30% more expensive than you’d pay for a Lincoln.

Cost of Auto Insurance for Lincoln’s by Model

Explore the precise auto insurance rates for Lincoln vehicles.

Lincoln Auto Insurance Cost by Model

Cost of Auto Insurance for Lincoln's by Model
Lincoln Town Car

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You can also use our free tool to easily compare Lincoln quotes to make informed decisions about your insurance needs and for detailed insights.

Factors That Affect Lincoln Auto Insurance Rates

You saw above that the model you buy plays an integral role in your auto insurance rates, but several other factors affect your Lincoln insurance rates. When you’re buying Lincoln auto insurance, companies will look at the following factors:

• Credit Score: Auto insurance companies can use your credit score to form rates in most states. The higher your credit score, the lower your Lincoln car insurance rates will be. Learn more about auto insurance and your credit score.
• Location: One of the most important aspects of your Lincoln car insurance rates is where you live. Auto insurance companies keep careful track of claim numbers by location, so you can see vastly different rates by moving even a single ZIP code.
• Marital Status: Married couples tend to file fewer claims than single drivers, so Lincoln insurance companies typically give them a small discount.
• Driving History: Drivers with traffic incidents like speeding tickets, at-fault accidents, or DUIs on their record pay more for auto insurance. If you have too many incidents, you might need high-risk auto insurance.
• Age and Gender: Two more demographics carefully track is age and gender. Average auto insurance rates by age show men and young drivers pay more for insurance because they are more likely to file claims, but the price gap lessens with age.

Aside from these factors, the amount of coverage you want to buy also plays a big part in affordable Lincoln auto insurance. The more coverage you buy, the more you’ll pay.

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How to Save on Lincoln Auto Insurance

How do you save on Lincoln auto insurance? The best Lincoln auto insurance is always more expensive than standard coverage, but there are plenty of ways to save on your policy. Most Lincoln insurance companies offer auto insurance discounts to help their customers save. When you’re shopping for Lincoln insurance coverage, the number of available discounts a company has should play into your decision.

To find the cheapest Lincoln auto insurance possible, try the following tips as well:

• Enroll in a telematics program. Most companies offer a usage-based auto insurance program to help low-mileage drivers and people who regularly practice safe habits save. Depending on the Lincoln insurance company, you can save up to 40%. Read more about how to get a low-mileage auto insurance discount from the top companies.
• Increase your auto insurance deductible. Your deductible is the amount you have to pay before your auto insurance kicks in. If you choose a larger deductible, you’ll pay a little less for insurance. Learn more about auto insurance deductible defined.
• Maintain a clean record. One of the best ways to keep auto insurance rates for your Lincoln low is to keep your driving record clean. If you get a traffic citation, it’s imperative that you avoid adding additional infractions.

While these tips are a great way to save on your Lincoln car insurance, the most important thing to do to find low rates is to compare Lincoln insurance quotes with as many auto insurance companies as possible. We recommend starting with companies like AAA or State Farm for cheap quotes.

Find the Best Lincoln Auto Insurance Today

Although luxury brands have higher insurance costs, Lincoln insurance coverage usually more affordable than some of its competitors. Despite being an affordable brand to insure, there are plenty of ways to increase your savings and get cheap auto insurance for your Lincoln.

One of the most important steps in finding affordable Lincoln coverage is to compare rates from the best auto insurance companies for Lincolns. If you don’t compare Lincoln auto insurance quotes, you’ll likely overpay for insurance on a Lincoln.

Frequently Asked Questions

Are Lincoln’s more expensive to insure?

Like all luxury brands, Lincolns tend to have higher insurance costs than standard vehicles, making it harder to find cheap insurance for Lincolns. While there are many factors that affect auto insurance rates for Lincoln vehicles, the primary cause is repair and replacement costs.

Which company has the cheapest auto insurance for Lincolns?

The cheapest auto insurance company for your Lincoln depends on several factors, including your age, location, and driving history. However, State Farm, Geico, and Progressive tend to have cheap car insurance for Lincolns.

How much does auto insurance cost for Lincoln MKZ?

Lincoln MKZ auto insurance is some of the most expensive compared to other Lincoln models, averaging $163 a month. You might pay much more or less depending on your unique circumstances (learn more: How to Lower Your Auto Insurance Rates).

How much is insurance for Lincoln MKT?

It costs around $162 monthly for Lincoln MKT auto insurance.

Are there specific insurance companies named Lincoln that offer auto insurance?

Yes, there are insurance companies named Lincoln that offer auto insurance coverage. One example is Lincoln Financial Group, which is primarily known for its life insurance and retirement products but also provides auto insurance policies.

Can I get auto insurance for my Lincoln in all states?

The availability of Lincoln car insurance may vary depending on the specific Lincoln insurance company and the states in which they operate. Some insurance companies may offer coverage nationwide, while others may have limitations or only operate in certain regions.

We recommend checking with the insurance company directly or visit their official website to determine if Lincoln auto insurance is available in your state.

What car insurance coverage types can you get for your Lincoln?

Typical coverage options offered by various Lincoln insurance companies include liability coverage, collision coverage, comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage. The average Lincoln driver pays about $154 a month for full coverage auto insurance, though rates vary based on several factors.

How can I obtain a quote for Lincoln auto insurance?

Enter your ZIP code into our free quote comparison tool below to compare quotes from various Lincoln insurance companies.

Are there any discounts available with Lincoln auto insurance?

The availability of auto insurance discounts may vary depending on the Lincoln insurance company and their offerings.

However, many insurance companies, including those with the name “Lincoln,” provide various discounts to policyholders. These discounts may include safe driver discounts, multi-policy discounts, multi-vehicle discounts, good student discounts, and discounts for certain safety features in your vehicle.

It’s advisable to inquire with the insurance company about the discounts they offer to get cheap Lincoln car insurance coverage.

Is it cheaper to insure an older or newer car?

Older and cheaper models typically have lower insurance rates than their newer, more expensive counterparts. Enter your ZIP in our free tool to find the cheapest Lincoln auto insurance for your model year.

Are Lincolns high maintenance?

Yes, Lincolns cost more to maintain than non-luxury brands.

More FAQs

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