If you are in the market for Lincoln car insurance, you are one of the lucky ones who gets to drive an American made luxury car. This highly recognizable make, owned by Ford Motor Company, offers a variety of luxury car models that range from approximately $35,000 to $60,000 for base pricing. While being classified as a luxury car, they are easily one of the most affordable luxury cars on the market today. In fact, even their ownership costs, such as car insurance, are extremely reasonably priced.

Lincoln Car Insurance: Coverage for Luxury Vehicles

Whether you are driving the MKT, MKS, MKZ or the Navigator, expect to pay at least $1500 on average for the first year of full-coverage car insurance. If you opt for the Town Car or MKX, you will get away with a slightly lower rate of on average $1300, which is comparable with many other domestic sedans with lower price tags. Bear in mind that these are average prices based on good driving records and a variety of other factors. For a realistic idea of what insurance will cost you, take the time to shop around for quotes.

One of the things about luxury cars that makes them more costly to insure is the fact that their parts are rarer and more costly than other vehicles. However, the extra safety features that are standard on these and other luxury cars help to keep the cost of car insurance affordable. These things seem to balance one another out when it comes to this domestic luxury car.

An important consideration is that all luxury car owners should be sure to carry higher than usual liability insurance, especially in tort law states, because many drivers see dollar signs when they get involved in an accident with someone driving a luxury car. The risk of being sued for hard-to-prove injuries is much higher than for someone who drives a standard vehicle.

Shopping for Lincoln Car Insurance

When it is time for you to get your Lincoln car insurance, it pays to shop around. Some companies specialize in insuring luxury cars, while other companies shy away from it. For this reason, and other individual underwriting differences, you will find that prices can vary greatly from one company to another. Get as many quotes as you reasonably can and compare them before making your choice.


Find insurance quotes for the Lincoln cars now.