How Much is Insurance on a Lincoln Town Car?
Auto insurance rates for a Lincoln Town Car average $1,326 a year, or around $111 a month. Mature drivers with good driving records may find rates as low as $779 a year.
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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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UPDATED: Jul 2, 2020
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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
Don’t stress about Lincoln Town Car insurance rates. Lincoln Town Car insurance costs around $193 less per year than the average vehicle. Read on to learn what drivers can do to save on insurance rates for a Lincoln Town Car.
You can start comparing quotes for Lincoln Town Car car insurance rates from some of the best car insurance companies by using our free online tool now.
Lincoln Town Car Insurance Cost
The average auto insurance rates for a Lincoln Town Car cost $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 Lexus GS 300, Audi S6, and Lexus ES 350.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus GS 300 | $344 | $656 | $338 | $1,474 |
| Audi S6 | $444 | $894 | $398 | $1,894 |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| Jaguar XF | $406 | $804 | $398 | $1,766 |
| Mercedes-Benz C300 | $404 | $718 | $372 | $1,652 |
| Jaguar XE | $382 | $774 | $398 | $1,712 |
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 will affect 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 |
Driver Age
Driver age can have a significant effect on Lincoln Town Car car insurance rates. As an example, a 30-year-old driver pays around $58 more each year for their Lincoln Town Car car 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 Jacksonville may pay $796 a year more than drivers in Indianapolis.
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 Lincoln Town Car’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Not Tested |
| Roof strength | Not Tested |
| Head restraints and seats | Not Tested |
| Source: Insurance Institute for Highway Safety | |
Lincoln Town Car Crash Test Ratings
The crash test ratings of the Lincoln Town Car can impact your Lincoln Town Car car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2011 Lincoln Town Car 4 DR RWD | N/R | N/R | N/R | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Lincoln Town Car Safety Features
Having a variety of safety features on your Lincoln Town Car can help lower your Lincoln Town Car insurance costs. 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, you will pay more if you purchase Lincoln Town Car auto insurance at the dealership, so be sure to shop around and compare Lincoln Town Car auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Lincoln Town Car Insurance
There are many ways that you can save on Lincoln Town Car car insurance. Below are five actions you can take to find cheap Lincoln Town Car auto insurance rates.
- Ask Your Insurance Company About Lincoln Town Car Discounts
- Ask About Lincoln Town Car Discounts If You Were Listed on Someone Else’s Policy
- Buy An Older Lincoln Town Car
- Buy a Dashcam for Your Lincoln Town Car
- Remove Young Drivers from Your Lincoln Town Car Insurance Plan
Top Lincoln Town Car Insurance Companies
Who is the best 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 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 | |||
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.