Buy Cheap Lincoln Town Car Auto Insurance in 2025
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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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 average auto insurance rates by car cost around $193 less per year than the average vehicle. This is a much more affordable price than one might initially think when compared to other luxury sedans. The prices even lower if you own a second-generation Lincoln Town Car. 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.
How much does full-size 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 full-size Lincoln auto insurance rates online.
Read more:
What impacts the cost of Lincoln Town car insurance?
The trim and model you choose will affect the total price you will pay for insurance coverage.
Age of the Vehicle
Older 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 car insurance rates. As an example, a 30-year-old driver pays around $58 more each year for their car insurance than a 40-year-old driver.
Driver Location
Where you live can have a large impact on 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 auto insurance. Teens and drivers in their 20’s see the highest jump in their auto insurance rates with violations on their driving record.
What are the safety ratings?
Your auto insurance rates are tied to the 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 | |
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What are the crash test ratings?
The crash test ratings of the Lincoln Town Car can impact your 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 | ||||
|---|---|---|---|---|
What are the Lincoln Town car safety features?
Having a variety of safety features on your town car can help lower your 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
What is the cost of Lincoln Town Car finance and insurance?
If you are financing a Lincoln Town Car, you will pay more if you purchase 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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What are some good ways to save on Lincoln Town Car insurance?
There are many ways that you can save on car insurance. Below are five actions you can take to find cheap auto insurance rates.
- Ask Your Insurance Company About Discounts
- Ask About Discounts If You Were Listed on Someone Else’s Policy
- Buy A Second-Generation Lincoln Town Car
- Buy a Dashcam
- Remove Young Drivers from Your Car insurance Plan
What are the 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 | |||
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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.
Frequently Asked Questions
Is it possible to find cheap insurance for a Lincoln Town Car?
Yes, it is possible to find affordable insurance for a Lincoln Town Car. The cost of insurance depends on various factors such as your driving history, location, age, and the coverage options you choose. By comparing quotes from different insurance providers and taking advantage of available discounts, you can find a policy that suits your budget.
How can I lower the insurance premium for my Lincoln Town Car?
There are several ways to lower your insurance premium for a Lincoln Town Car:
- Maintain a clean driving record: Avoid traffic violations and accidents, as they can increase your insurance rates.
- Increase deductibles: Opting for a higher deductible can lower your premium. However, make sure you choose a deductible you can afford to pay in case of a claim.
- Explore available discounts: Many insurance providers offer discounts based on factors such as safe driving, bundling policies, or installing anti-theft devices. Inquire about these discounts and take advantage of them to reduce your premium.
- Comparison shop: Obtain quotes from multiple insurance companies and compare their rates. Each company has its own pricing structure, so shopping around can help you find a cheaper policy.
Are there specific insurance companies that offer cheaper rates for Lincoln Town Cars?
Different insurance companies have varying rates for Lincoln Town Cars. It’s important to shop around and obtain quotes from multiple insurers to find the best rate for your specific needs. Some insurance companies may specialize in offering competitive rates for certain vehicle types or customer profiles, so it’s worth exploring different options to find affordable coverage.
What coverage options should I consider for my Lincoln Town Car?
When selecting coverage options for your Lincoln Town Car, consider the following:
- Liability coverage: This is typically required by law and covers damages you cause to others in an accident.
- Collision coverage: This covers repairs or replacement of your vehicle if it’s damaged in a collision, regardless of fault.
- Comprehensive coverage: This protects against non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This provides coverage if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
How can I get started with finding cheap insurance for my Lincoln Town Car?
To start finding cheap insurance for your Lincoln Town Car, follow these steps:
- Gather information: Collect necessary information about your vehicle, including make, model, year, and any safety features it has.
- Research insurance providers: Look for reputable insurance companies that offer coverage in your area.
- Obtain quotes: Request quotes from multiple insurance providers, either online or by contacting them directly.
- Compare coverage and rates: Review the coverage options and rates provided by different insurers. Consider both the cost and the quality of coverage.
- Choose the best option: Select the insurance policy that offers the right balance of coverage and affordability for your Lincoln Town Car.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.