Lincoln Insurance Cost
Across 4 current Lincoln models, full coverage averages about $1,503 a year by our estimate — −6% versus the average vehicle ($1,590).
Lincoln insurance profile
Lincoln is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 4 luxury suvs. HLDI collision losses for its models average 105 (100 = all-vehicle average).
Every Lincoln model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Corsair | Luxury SUV | 2020–2026 | 82 | $1,400 | −12% |
| Aviator | Luxury SUV | 2005–2027 | 105 | $1,485 | −7% |
| Nautilus | Luxury SUV | 2019–2026 | 113 | $1,485 | −7% |
| Navigator | Luxury SUV | 2005–2027 | 119 | $1,640 | +3% |
Older and discontinued Lincoln models
What makes Lincoln insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- Claims history: HLDI collision indices across 4 models range from 82 to 119, so the model you pick matters as much as the brand.
- Segment mix: 4 luxury suv.
Average Lincoln insurance cost by state
Average full-coverage estimate across current Lincoln models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $984 | −35% |
| Vermont | $1,024 | −32% |
| Idaho | $1,039 | −31% |
| North Dakota | $1,039 | −31% |
| Hawaii | $1,056 | −30% |
| Wisconsin | $1,065 | −29% |
| Iowa | $1,089 | −28% |
| New Hampshire | $1,093 | −27% |
| Indiana | $1,095 | −27% |
| Ohio | $1,101 | −27% |
| North Carolina | $1,170 | −22% |
| South Dakota | $1,260 | −16% |
| Kansas | $1,269 | −16% |
| Nebraska | $1,269 | −16% |
| Montana | $1,273 | −15% |
| Kentucky | $1,274 | −15% |
| Wyoming | $1,281 | −15% |
| Tennessee | $1,289 | −14% |
| Washington | $1,293 | −14% |
| Minnesota | $1,306 | −13% |
| Virginia | $1,306 | −13% |
| West Virginia | $1,311 | −13% |
| Oregon | $1,326 | −12% |
| Illinois | $1,331 | −11% |
| Alaska | $1,334 | −11% |
| Utah | $1,345 | −10% |
| Alabama | $1,350 | −10% |
| Pennsylvania | $1,354 | −10% |
| New Mexico | $1,379 | −8% |
| Arkansas | $1,385 | −8% |
| Missouri | $1,408 | −6% |
| Oklahoma | $1,416 | −6% |
| Mississippi | $1,484 | −1% |
| Massachusetts | $1,490 | −1% |
| California | $1,499 | 0% |
| Connecticut | $1,581 | +5% |
| Arizona | $1,588 | +6% |
| South Carolina | $1,591 | +6% |
| Delaware | $1,636 | +9% |
| Nevada | $1,660 | +10% |
| Michigan | $1,663 | +11% |
| Maryland | $1,684 | +12% |
| Colorado | $1,764 | +17% |
| New Jersey | $1,765 | +17% |
| Rhode Island | $1,788 | +19% |
| Georgia | $1,825 | +21% |
| Texas | $1,839 | +22% |
| District of Columbia | $1,923 | +28% |
| New York | $1,981 | +32% |
| Florida | $2,070 | +38% |
| Louisiana | $2,090 | +39% |
Frequently asked questions
How much does it cost to insure a Lincoln?
Across 4 current Lincoln models, our full-coverage estimate averages $1,503 a year for a driver in their 30s with a clean record, 6% less than the average vehicle ($1,590).
What is the cheapest Lincoln to insure?
The Lincoln Corsair has the lowest estimate at about $1,400 a year for full coverage; the Lincoln Navigator is the most expensive at about $1,640.
Are Lincoln repairs expensive for insurers?
HLDI collision-loss data for 4 Lincoln models averages 105 (100 = average of all vehicles), which is average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Lincoln?
By our estimates, Maine is the cheapest state (about $984 a year on average across current models) and Louisiana the most expensive (about $2,090).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.