Lincoln Aviator Car Insurance Cost 2025
On average, insuring a Lincoln Aviator costs around $2,129 per year. However, your actual rate may vary depending on factors like your age, the car’s model year, and other personal details. Check the quote tables below for a more personalized estimate of your insurance costs.
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If you’re thinking about buying a Lincoln Aviator, one crucial aspect to consider is the insurance cost. On average, insurance for a Lincoln Aviator costs $2,129 per year. Insurance is a big part of owning a car, and it’s essential to understand what you’re committing to before making a purchase.
Choosing the right car insurance is vital because selecting the wrong policy can lead to unexpected and potentially high expenses in the future. It’s important to have sufficient coverage in case of an accident to avoid being burdened with significant out-of-pocket costs. Additionally, if you’re found at fault in an accident, your premiums could increase.
With my experience of over ten years analyzing car insurance rates, I’ve observed how much these costs can differ. Various factors, including your age, driving history, and location, can significantly impact your insurance premiums.
How Much Does Lincoln Aviator Car Insurance Cost?
On average, Lincoln Aviator drivers can expect to pay around $2,129 per year for car insurance.
Car insurance costs can vary widely based on several factors, including your location, driving history, car model year, and the coverage options you choose. A clean driving record can help lower your premiums, while accidents or traffic violations may increase them.
Living in a busy urban area with heavy traffic often leads to higher rates compared to rural areas with lighter traffic. Additionally, the type of coverage you select affects your premium—full coverage, including comprehensive and collision, is generally more expensive than basic liability insurance.
As shown in the table below, insuring a Lincoln Aviator costs more than the average for all Lincoln models but is still lower than the overall average for all cars. Insuranceopedia makes it easy to compare quotes from multiple providers, helping you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Lincoln Aviator | $165 |
| All Lincolns | $158 |
| All Cars | $175 |
Average Insurance Cost Of Lincoln Aviator By Model Year
| Model Year | Average Premium |
| 2023 Lincoln Aviator | $4,854 |
| 2022 Lincoln Aviator | $1,176 |
| 2021 Lincoln Aviator | $1,250 |
| 2020 Lincoln Aviator | $1,081 |
2023 Lincoln Aviator Insurance Rates
The average annual insurance cost for a 2023 Lincoln Aviator is $4,854. However, Allied offers the cheapest rates, averaging $2,129 per year.
| Insurance Provider | Average Annual Cost |
| Allied | $2,129 |
| Direct General Insurance | $2,936 |
| Texas Farm Bureau Group | $2,988 |
| State Farm | $3,388 |
| United Automobile Ins Group | $3,404 |
| AIG | $4,853 |
| USAA | $6,647 |
| Mercury | $7,093 |
| Allstate | $7,112 |
| Nationwide | $7,990 |
2022 Lincoln Aviator Insurance Rates
The average annual insurance cost for a 2022 Lincoln Aviator is $1,176. However, Plymouth Rock Assurance offers the cheapest rates, averaging $958 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $958 |
| Virginia Farm Bureau | $1,037 |
| SECURA Insurance | $1,043 |
| Hastings Mutual Insurance Co | $1,149 |
| Mercury Insurance Company | $1,161 |
| Rural Mutual Insurance | $1,231 |
| Auto Club Group | $1,268 |
| Penn National | $1,304 |
| West Bend Mutual | $1,303 |
| Pekin Insurance | $1,304 |
2021 Lincoln Aviator Insurance Rates
The average annual insurance cost for a 2021 Lincoln Aviator is $1,250. However, Buckeye Insurance Group offers the cheapest rates, averaging $544 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $544 |
| American National P | $791 |
| Farm Bureau Mutual (IA Group) | $1,184 |
| Texas Farm Bureau Group | $1,327 |
| Direct Auto | $1,329 |
| Capital Insurance Group | $1,380 |
| Celina Insurance Group | $1,450 |
| SECURA Insurance | $1,453 |
| Motorists Mutual | $1,511 |
| Ohio Mutual Ins Group | $1,528 |
2020 Lincoln Aviator Insurance Rates
The average annual insurance cost for a 2020 Lincoln Aviator is $1,081. However, American National P offers the cheapest rates, averaging $485 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $485 |
| Titan | $833 |
| Mercury Insurance | $960 |
| Direct Auto | $995 |
| Texas Farm Bureau Group | $993 |
| Farm Bureau Mutual (IA Group) | $1,247 |
| Utica National Ins Group | $1,306 |
| Clearcover | $1,323 |
| Partners Mutual Insurance Co | $1,328 |
| Tennessee Farmers | $1,337 |
Find Affordable Lincoln Aviator Insurance Rates
Is A Lincoln Aviator Expensive To Insure?
Insuring a Lincoln Aviator costs less than the overall average for all cars. However, your exact premium will depend on factors such as your age, the car’s model year, your location, and other personal details.
Cost of Lincoln Aviator Car Insurance By Age
Age is a major factor in determining car insurance rates. Teenagers tend to pay the highest premiums due to their higher accident risk. However, as drivers gain experience and age, their insurance costs generally decrease since they are considered lower-risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $10,017 | $14,701 | $17,212 |
| 18 | $9,306 | $13,701 | $16,029 |
| 19 | $8,237 | $12,104 | $14,167 |
| 20 | $7,178 | $10,543 | $12,365 |
| 21 | $6,031 | $8,830 | $10,348 |
| 22 | $5,878 | $8,600 | $10,089 |
| 23 | $5,122 | $7,526 | $8,843 |
| 24 | $4,897 | $7,154 | $8,398 |
| 25 | $4,213 | $6,174 | $7,251 |
| 30 | $3,294 | $4,822 | $5,628 |
| 35 | $3,063 | $4,522 | $5,277 |
| 40 | $2,955 | $4,341 | $5,086 |
| 45 | $2,880 | $4,207 | $4,919 |
| 55 | $2,652 | $3,887 | $4,517 |
| 65 | $2,765 | $4,025 | $4,704 |
| 75 | $3,492 | $5,097 | $5,976 |
Lincoln Aviator Car Insurance Rates By State
Your location plays a key role in determining car insurance rates. Each state has its own regulations, which can impact costs—for example, Michigan drivers often pay higher premiums due to the state’s requirement for higher coverage levels. Additionally, local climate conditions, such as hurricanes, storms, and flooding, can affect rates.
Crime and accident statistics in your area, including car thefts, crashes, and fatality rates, also influence insurance costs. Insurers take all these factors into account when calculating your exact premium for a Lincoln Aviator.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,115 | $4,537 | $5,790 |
| Alaska | $2,582 | $3,610 | $3,477 |
| Arizona | $2,915 | $4,227 | $6,221 |
| Arkansas | $3,223 | $5,060 | $5,544 |
| California | $3,590 | $6,314 | $3,592 |
| Colorado | $3,315 | $4,676 | $5,918 |
| Connecticut | $4,272 | $6,625 | $8,370 |
| Delaware | $3,541 | $4,714 | $6,031 |
| Florida | $4,210 | $5,816 | $7,558 |
| Hawaii | $1,374 | $1,859 | $1,371 |
| Idaho | $2,392 | $3,155 | $3,818 |
| Illinois | $2,481 | $3,761 | $4,284 |
| Indiana | $2,552 | $3,900 | $4,392 |
| Iowa | $2,032 | $2,788 | $3,281 |
| Kansas | $2,682 | $3,923 | $4,585 |
| Kentucky | $3,884 | $5,696 | $6,768 |
| Louisiana | $4,987 | $7,548 | $8,199 |
| Maine | $1,889 | $2,598 | $3,856 |
| Maryland | $3,076 | $4,456 | $4,938 |
| Massachusetts | $2,457 | $4,285 | $2,444 |
| Michigan | $5,927 | $9,005 | $14,224 |
| Minnesota | $2,438 | $3,239 | $4,554 |
| Mississippi | $2,939 | $4,173 | $4,226 |
| Missouri | $2,790 | $3,946 | $5,198 |
| Montana | $2,815 | $3,931 | $4,570 |
| Nebraska | $2,389 | $3,519 | $3,807 |
| Nevada | $3,935 | $5,805 | $6,143 |
| New Hampshire | $2,732 | $4,304 | $5,477 |
| New Jersey | $3,008 | $4,741 | $6,184 |
| New Mexico | $3,064 | $4,582 | $4,763 |
| New York | $2,834 | $3,565 | $5,994 |
| North Carolina | $1,748 | $3,038 | $2,177 |
| North Dakota | $2,412 | $3,652 | $4,343 |
| Ohio | $2,152 | $3,337 | $3,390 |
| Oklahoma | $3,432 | $4,940 | $5,552 |
| Oregon | $3,126 | $4,196 | $5,010 |
| Pennsylvania | $2,638 | $3,881 | $4,518 |
| Rhode Island | $4,414 | $6,435 | $7,274 |
| South Carolina | $2,988 | $4,151 | $5,727 |
| South Dakota | $2,693 | $3,867 | $4,444 |
| Tennessee | $3,172 | $4,622 | $6,167 |
| Texas | $3,169 | $4,581 | $5,726 |
| Utah | $2,708 | $3,794 | $5,221 |
| Vermont | $2,059 | $3,190 | $3,401 |
| Virginia | $1,940 | $3,007 | $2,936 |
| Washington | $2,581 | $3,515 | $4,196 |
| West Virginia | $2,592 | $3,717 | $4,691 |
| Wisconsin | $2,620 | $4,080 | $4,647 |
| Wyoming | $2,433 | $3,385 | $3,628 |
| Georgia | $3,413 | $5,108 | $5,156 |
Find Affordable Lincoln Aviator Insurance Rates
Cheapest Car Insurance Companies For A Lincoln Aviator
If you’re looking for a new car insurance policy for your Lincoln Aviator, finding the most affordable provider is important. DirectGeneral offers the lowest average rate at $48 per month, making them the cheapest option. However, insurance costs vary based on individual factors, so this rate may not apply to everyone. To find the best deal for your specific profile, it’s essential to compare quotes from multiple providers.
| Company | Average Monthly Rate |
| DirectGeneral | $48 |
| Esurance | $90 |
| Kemper | $88 |
| SafeAuto | $102 |
Common Lincoln Aviator Insurance Discounts
Discounts can help lower your car insurance costs, and while each provider offers different options, some common ones to check for include:
- Multi-policy discount – Bundling your home and auto insurance with the same company can reduce your premium.
- Pay-in-full discount – Paying your entire premium upfront instead of monthly installments often comes with savings.
- Defensive driving discount – Completing a certified defensive driving course may qualify you for lower rates.
Additional discounts may be available based on your profile. It’s best to speak with your insurance agent to find out which ones you qualify for.
Ways To Save On Lincoln Aviator Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Lincoln Aviator insurance costs. Traffic violations and accidents can significantly increase your premiums. For example, drivers with a speeding ticket may pay around $93 per month, while those with multiple accidents could see their rates rise to $136 per month.
Annual mileage also impacts insurance costs. Drivers who spend less time on the road are at a lower risk of accidents, leading to lower premiums. Those who drive between 2,501 and 5,000 miles per year can expect to pay about $68 per month, while those exceeding 10,000 miles may pay around $80 per month.
Compare Lincoln Aviator To Other Lincoln Models
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, actual rates may vary based on your personal details and coverage needs.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Lincoln Aviator?
Yes, you must provide proof of insurance before driving your Lincoln Aviator off the dealership lot. The best approach is to purchase a policy in advance and inform your insurer about your upcoming car purchase, rather than relying on insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your Lincoln Aviator?
The most effective way to find the lowest insurance rates for your Lincoln Aviator is by comparing quotes from multiple providers. Fortunately, Insuranceopedia makes this process easy by allowing you to compare rates from various insurers directly on their website.
