Lincoln Continental Car Insurance Cost 2025
Getting insurance for a Lincoln Continental costs $1,394 per year, on average. However, the exact cost can vary based on factors such as your age, the year of the car model, and other considerations. You can use our quote tables below to get an estimate of your specific costs.
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If you’re thinking about buying a Lincoln Continental, one key aspect to think about is the cost of insurance. On average, insurance for a Lincoln Continental costs $1,394 per year. Insurance plays a major role in owning a car, and it’s essential to understand what you’re committing to before making your purchase.
Choosing the right car insurance policy is crucial because selecting the wrong one could result in unexpected and potentially high expenses later on. You don’t want to be caught with inadequate coverage if an accident happens, leading to substantial out-of-pocket costs. Plus, there’s the possibility of premium hikes if you’re deemed responsible for an accident.
Having spent more than ten years studying car insurance rates, I’ve observed the significant variations in these costs. Elements like your age, driving history, and even your location can have a significant impact on how much you’ll pay for insurance.
How Much Does Lincoln Continental Car Insurance Cost?
On average, Lincoln Continental drivers can expect to pay around $1,394 per year for car insurance.
Car insurance costs can vary significantly based on factors such as location, driving history, car model year, and coverage options. Maintaining a clean driving record can help lower premiums, while accidents or traffic violations may increase costs.
Urban areas with heavy traffic often have higher insurance rates compared to rural areas with lighter traffic. Additionally, the type of coverage you choose affects your premium—full coverage, which includes comprehensive and collision, generally costs more than basic liability insurance.
As shown in the table below, insuring a Lincoln Continental is more expensive than the average for all Lincoln models but still cheaper 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 Continental | $150 |
| All Lincolns | $158 |
| All Cars | $175 |
Average Insurance Cost Of Lincoln Continental By Model Year
| Model Year | Average Premium |
| 2021 Lincoln Continental | $2,073 |
| 2020 Lincoln Continental | $1,360 |
| 2019 Lincoln Continental | $1,281 |
| 2018 Lincoln Continental | $1,006 |
| 2017 Lincoln Continental | $1,042 |
| 2016 Lincoln Continental | $1,110 |
| 2010 Lincoln Continental | $1,893 |
2021 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2021 Lincoln Continental is $2,073. However, State Farm offers the cheapest rates, averaging $1,394 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,394 |
| USAA | $1,862 |
| Travelers | $1,963 |
| Westfield | $1,974 |
| Motorists Mutual | $2,151 |
| Kentucky Farm Bureau | $2,220 |
| State Auto | $2,211 |
| Shelter | $2,304 |
| Allstate | $2,309 |
| Cincinnati Insurance | $2,346 |
2020 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2020 Lincoln Continental is $1,360. However, American National P offers the cheapest rates, averaging $858 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $858 |
| Texas Farm Bureau Group | $937 |
| Titan | $1,130 |
| Farm Bureau Mutual (IA Group) | $1,247 |
| Capital Insurance Group | $1,273 |
| Virginia Farm Bureau | $1,291 |
| SECURA Insurance | $1,616 |
| North Carolina Farm Bureau | $1,725 |
| EMC Insurance | $1,747 |
| Safeco | $1,772 |
2019 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2019 Lincoln Continental is $1,281. However, American National P offers the cheapest rates, averaging $528 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $528 |
| SAFECO | $873 |
| Direct Auto | $923 |
| Victoria | $1,221 |
| Penn National | $1,320 |
| Capital Insurance Group | $1,375 |
| Tennessee Farmers | $1,399 |
| SECURA Insurance | $1,558 |
| West Bend Mutual | $1,809 |
| Clearcover | $1,800 |
2018 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2018 Lincoln Continental is $1,006. However, American National P offers the cheapest rates, averaging $657 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $657 |
| Kemper Auto | Infinity | $867 |
| Safety Group | $902 |
| Safeco | $964 |
| Pekin Insurance | $958 |
| Plymouth Rock Assurance | $1,025 |
| Capital Insurance Group | $1,065 |
| Buckeye Insurance Group | $1,197 |
| Norfolk and Dedham Group | $1,181 |
| Arbella Insurance Group | $1,244 |
Find Affordable Lincoln Continental Insurance Rates
2017 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2017 Lincoln Continental is $1,042. However, Safeco offers the cheapest rates, averaging $206 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $206 |
| American National P | $712 |
| American National P&C | $708 |
| Clearcover | $1,111 |
| Tennessee Farmers | $1,176 |
| Buckeye Insurance Group | $1,225 |
| Mercury Insurance | $1,298 |
| Farmers Mutual of Nebraska | $1,297 |
| Farm Bureau Mutual (IA Group) | $1,353 |
| Indiana Farmers Mutual Ins | $1,335 |
2016 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2016 Lincoln Continental is $1,110. However, Direct Auto offers the cheapest rates, averaging $1,110 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,110 |
2010 Lincoln Continental Insurance Rates
The average annual insurance cost for a 2010 Lincoln Continental is $1,893. However, Direct General Insurance offers the cheapest rates, averaging $954 per year.
| Insurance Provider | Average Annual Cost |
| Direct General Insurance | $954 |
| Nationwide | $1,197 |
| Travelers | $1,414 |
| Metropolitan | $1,425 |
| Safe Auto | $4,473 |
Find Affordable Lincoln Continental Insurance Rates
Is A Lincoln Continental Expensive To Insure?
Insuring a Lincoln Continental costs less than the overall average for all cars. However, your exact premium will depend on factors like your age, the car’s model year, location, and other personal details.
Cost of Lincoln Continental Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers face 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 | $7,553 | $11,104 | $13,002 |
| 18 | $7,073 | $10,337 | $12,120 |
| 19 | $6,224 | $9,159 | $10,728 |
| 20 | $5,419 | $7,963 | $9,339 |
| 21 | $4,576 | $6,674 | $7,833 |
| 22 | $4,438 | $6,523 | $7,645 |
| 23 | $3,866 | $5,708 | $6,690 |
| 24 | $3,679 | $5,427 | $6,347 |
| 25 | $3,177 | $4,672 | $5,485 |
| 30 | $2,502 | $3,657 | $4,269 |
| 35 | $2,314 | $3,402 | $3,973 |
| 40 | $2,218 | $3,278 | $3,849 |
| 45 | $2,194 | $3,209 | $3,719 |
| 55 | $1,990 | $2,946 | $3,437 |
| 65 | $2,097 | $3,043 | $3,566 |
| 75 | $2,612 | $3,843 | $4,514 |
Lincoln Continental Car Insurance Rates By State
Your location significantly impacts your Lincoln Continental insurance rates. Each state has its own regulations, which affect pricing—for instance, Michigan drivers often pay higher premiums due to mandatory higher coverage levels.
Local climate conditions, such as hurricanes, storms, and flooding, also influence costs. Additionally, crime and accident statistics, including car thefts, crashes, and fatality rates in your area, are factored in by insurers when determining your specific premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,357 | $3,440 | $4,389 |
| Alaska | $1,946 | $2,723 | $2,635 |
| Arizona | $2,215 | $3,218 | $4,710 |
| Arkansas | $2,441 | $3,799 | $4,207 |
| California | $2,701 | $4,782 | $2,696 |
| Colorado | $2,526 | $3,540 | $4,459 |
| Connecticut | $3,215 | $5,013 | $6,358 |
| Delaware | $2,657 | $3,548 | $4,576 |
| Florida | $3,186 | $4,389 | $5,745 |
| Hawaii | $1,023 | $1,388 | $1,022 |
| Idaho | $1,808 | $2,399 | $2,904 |
| Illinois | $1,864 | $2,847 | $3,236 |
| Indiana | $1,940 | $2,947 | $3,320 |
| Iowa | $1,518 | $2,091 | $2,463 |
| Kansas | $2,050 | $2,973 | $3,467 |
| Kentucky | $2,926 | $4,306 | $5,094 |
| Louisiana | $3,770 | $5,719 | $6,206 |
| Maine | $1,447 | $1,965 | $2,899 |
| Maryland | $2,311 | $3,372 | $3,722 |
| Massachusetts | $1,846 | $3,218 | $1,868 |
| Michigan | $4,483 | $6,817 | $10,766 |
| Minnesota | $1,829 | $2,443 | $3,473 |
| Mississippi | $2,215 | $3,164 | $3,193 |
| Missouri | $2,098 | $3,012 | $3,952 |
| Montana | $2,116 | $2,952 | $3,442 |
| Nebraska | $1,789 | $2,652 | $2,887 |
| Nevada | $2,952 | $4,411 | $4,656 |
| New Hampshire | $2,055 | $3,254 | $4,121 |
| New Jersey | $2,267 | $3,589 | $4,654 |
| New Mexico | $2,318 | $3,444 | $3,603 |
| New York | $2,159 | $2,720 | $4,535 |
| North Carolina | $1,322 | $2,276 | $1,640 |
| North Dakota | $1,826 | $2,782 | $3,298 |
| Ohio | $1,638 | $2,512 | $2,576 |
| Oklahoma | $2,599 | $3,715 | $4,186 |
| Oregon | $2,385 | $3,164 | $3,775 |
| Pennsylvania | $1,979 | $2,946 | $3,429 |
| Rhode Island | $3,316 | $4,868 | $5,513 |
| South Carolina | $2,261 | $3,113 | $4,343 |
| South Dakota | $2,045 | $2,919 | $3,388 |
| Tennessee | $2,366 | $3,507 | $4,666 |
| Texas | $2,415 | $3,459 | $4,310 |
| Utah | $2,058 | $2,843 | $3,953 |
| Vermont | $1,585 | $2,412 | $2,555 |
| Virginia | $1,502 | $2,255 | $2,220 |
| Washington | $1,960 | $2,660 | $3,187 |
| West Virginia | $1,989 | $2,846 | $3,535 |
| Wisconsin | $1,962 | $3,083 | $3,524 |
| Wyoming | $1,820 | $2,578 | $2,719 |
| Georgia | $2,575 | $3,878 | $3,885 |
Find Affordable Lincoln Continental Insurance Rates
Cheapest Car Insurance Companies For A Lincoln Continental
If you’re searching for the most affordable car insurance for your Lincoln Continental, Elephant offers the lowest rate at $25 per month. However, insurance costs can vary depending on factors like your driving history, location, and coverage needs. To find the best rate for your specific profile, it’s always a good idea to compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Dairyland | $40 |
| Elephant | $25 |
| Infinity | $86 |
| SafeAuto | $61 |
| DirectGeneral | $89 |
Common Lincoln Continental Insurance Discounts
Taking advantage of discounts is an excellent way to reduce your car insurance costs. While each provider offers different savings, some common discounts to check for include:
- Multi-policy: Bundling your auto and home insurance with the same provider can result in lower rates.
- Pay annually: Paying your premium in full rather than in monthly installments often qualifies for a discount.
- Defensive driving: Completing a certified defensive driving course may make you eligible for reduced rates.
There may be additional discounts available based on your specific situation. It’s best to consult with your insurance provider to see which ones you qualify for.
Ways To Save On Lincoln Continental Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Lincoln Continental insurance costs. Traffic violations and accidents can significantly increase your premiums—drivers with a ticket may pay around $74 per month, while those with multiple accidents could see rates rise to $113 per month.
Additionally, how much you drive also affects your insurance costs. Lower annual mileage typically results in lower premiums since fewer miles mean a lower accident risk. For example, Lincoln Continental drivers covering 2,501-5,000 miles per year pay about $68 per month, while those exceeding 10,000 miles pay around $65 per month.
Compare Lincoln Continental To Other Lincoln Models
Our Methodology
To determine the average cost of car insurance, Insuranceopedia analyzed thousands of quotes from top insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, actual rates may vary based on individual factors such as age, location, driving history, and coverage selections.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Lincoln Continental?
Yes, you must show proof of insurance before driving your Lincoln Continental off the dealership lot. The best approach is to purchase a policy in advance and inform your insurer about your upcoming vehicle purchase. This way, you can secure coverage tailored to your needs rather than opting for a dealership-provided plan.
How Can You Get The Cheapest Insurance For Your Lincoln Continental?
The most effective way to find the lowest rates for your Lincoln Continental is by comparing quotes from various auto insurance providers. Luckily, Insuranceopedia makes this process easy by allowing you to compare quotes from multiple insurers directly on our website.
