Lincoln Nautilus Insurance Cost

Full coverage for a Lincoln Nautilus costs about $1,485 a year ($124/month) by our estimate — ▼ −7% versus the average vehicle, ranking 87th cheapest of 310 current models.

Lincoln Nautilus exterior (photo from Wikimedia Commons) — Photo: Mr.choppers, CC BY-SA 3.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Lincoln Nautilus insurance cost at a glance

Full coverage

$1,485

$124/mo · $1,215–$1,750

Minimum liability

$470

$39/mo

Segment

Luxury SUV

Gasoline, Hybrid

HLDI collision losses

113

Worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2019–2026 model years of the Lincoln Nautilus.

Estimated Lincoln Nautilus premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$470	$39	$385–$550
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$680	$57	$555–$800
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,485	$124	$1,215–$1,750

What drives the cost of insuring a Lincoln Nautilus

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Lincoln Nautilus's results put our vehicle factor at 0.76× for liability, 1.17× for collision and 1.27× for comprehensive.

HLDI relative insurance losses — Lincoln Nautilus 4dr 4WD (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	113	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	126	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	65	Much better than average	Damage this car does to other vehicles and property

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Lincoln Nautilus 4dr 4WD	113	126	65	—
Lincoln Nautilus hybrid 4dr 4WD	98	144	60	—

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 11 NHTSA recall campaigns and 75 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Lincoln Nautilus trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Nautilus AWD	AWD	2.0L 4-cyl Turbo	24
Nautilus HEV AWD	4WD	2.0L 4-cyl Turbo Hybrid	30

Lincoln Nautilus insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid	4WD, AWD	24–30	$1,485
2025	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid	4WD, AWD	24–30	$1,445
2024	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid	4WD, AWD	24–30	$1,410
2023	2.0L 4-cyl Turbo, 2.7L 6-cyl Turbo	AWD, FWD	21–23	$1,370
2022	2.0L 4-cyl Turbo, 2.7L 6-cyl Turbo	AWD, FWD	21–23	$1,330
2021	2.0L 4-cyl Turbo, 2.7L 6-cyl Turbo	AWD, FWD	21–23	$1,295
2020	2.0L 4-cyl Turbo, 2.7L 6-cyl Turbo	AWD, FWD	21–23	$1,255
2019	2.0L 4-cyl Turbo, 2.7L 6-cyl Turbo	AWD, FWD	21–23	$1,220

Lincoln Nautilus insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$1,325	$365	−11%
Alaska	$1,305	$475	−12%
Arizona	$1,550	$505	+4%
Arkansas	$1,370	$340	−8%
California	$1,465	$435	−1%
Colorado	$1,735	$495	+17%
Connecticut	$1,535	$540	+3%
Delaware	$1,580	$610	+6%
District of Columbia	$1,880	$565	+27%
Florida	$1,995	$825	+34%
Georgia	$1,765	$665	+19%
Hawaii	$1,035	$330	−30%
Idaho	$1,015	$305	−32%
Illinois	$1,305	$380	−12%
Indiana	$1,075	$310	−28%
Iowa	$1,080	$235	−27%
Kansas	$1,255	$305	−15%
Kentucky	$1,245	$400	−16%
Louisiana	$2,040	$605	+37%
Maine	$965	$325	−35%
Maryland	$1,640	$575	+10%
Massachusetts	$1,455	$450	−2%
Michigan	$1,630	$585	+10%
Minnesota	$1,290	$360	−13%
Mississippi	$1,460	$405	−2%
Missouri	$1,385	$390	−7%
Montana	$1,265	$300	−15%
Nebraska	$1,260	$305	−15%
Nevada	$1,595	$660	+7%
New Hampshire	$1,070	$305	−28%
New Jersey	$1,705	$715	+15%
New Mexico	$1,355	$395	−9%
New York	$1,920	$710	+29%
North Carolina	$1,155	$340	−22%
North Dakota	$1,035	$210	−30%
Ohio	$1,080	$310	−27%
Oklahoma	$1,400	$360	−6%
Oregon	$1,285	$475	−13%
Pennsylvania	$1,335	$325	−10%
Rhode Island	$1,735	$625	+17%
South Carolina	$1,545	$560	+4%
South Dakota	$1,260	$240	−15%
Tennessee	$1,270	$345	−14%
Texas	$1,810	$525	+22%
Utah	$1,305	$500	−12%
Vermont	$1,010	$240	−32%
Virginia	$1,280	$480	−14%
Washington	$1,255	$450	−15%
West Virginia	$1,295	$330	−13%
Wisconsin	$1,050	$285	−29%
Wyoming	$1,285	$250	−13%

Lincoln Nautilus insurance by driver profile

Estimated annual Lincoln Nautilus premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,285	$1,865	$4,080	$340
Young adult (22)	$750	$1,085	$2,375	$198
Adult in their 30s	$470	$680	$1,485	$124
Adult in their 50s	$430	$625	$1,365	$114
Senior (72)	$525	$760	$1,660	$138
30s, one at-fault accident	$680	$985	$2,150	$179
30s, DUI on record	$865	$1,255	$2,745	$229

Lincoln Nautilus vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Lincoln Nautilus	$1,485	113	126	—
BMW X3	$1,565	108	92	—
BMW X5	$1,690	120	142	—
Audi Q7	$1,570	123	131	—

Estimate Lincoln Nautilus insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Lincoln models

Aviator $1,485/yr
Navigator $1,640/yr
Corsair $1,400/yr
Continental $1,495/yr
MKZ $1,495/yr
MKC $1,460/yr
MKT $1,460/yr
MKX $1,395/yr
MKS $1,325/yr
Town Car $1,345/yr
Mark LT $1,255/yr
LS $1,345/yr
Zephyr $1,345/yr

All Lincoln insurance costs →

Frequently asked questions

How much is insurance for a Lincoln Nautilus?

We estimate about $1,485 a year ($124 a month) for full coverage and $470 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 7% less than the average vehicle.

Is the Lincoln Nautilus expensive to insure?

HLDI insurance-loss data rates it at 113 for collision and 126 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Lincoln Nautilus?

Maine has the lowest estimate (about $965 a year for full coverage) and Louisiana the highest (about $2,040).

What is the Lincoln Nautilus's NHTSA safety rating?

The 2026 Lincoln Nautilus earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Lincoln Nautilus cheaper to insure than the BMW X3?

By our estimate the Lincoln Nautilus costs about $1,485 a year versus $1,600 for the BMW X3, making it the cheaper of the two to insure.

How much is Lincoln Nautilus insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,080 a year at national-average rates by our estimate.

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.

Sources used on this page