Cheap Lincoln Auto Insurance Quotes in 2025 (Save Big With These 10 Companies!)

Leading picks for cheap Lincoln auto insurance quotes include USAA, State Farm, and Geico, that has rates which starts only at $75 per month. Looking for cost-effective coverage? Try our free comparison tool above to kick-start your search.

Maybe you’re in the market for a new Lincoln or maybe you’re looking for better auto insurance coverage for the Lincoln you have. Either way, you’re looking to insure a luxury vehicle, and that means both a higher cost for repairs and a higher monthly premium.

Our Top 10 Company Picks: Cheap Lincoln Auto Insurance Quotes

No matter the reason for shopping around, the first step is to find auto insurance quotes online. Chances are you love your vehicle, and it’s worth finding the best auto insurance to protect your investment. Enter your ZIP code now.

#1 – USAA: Top Overall Pick

Pros

• Discounted Insurance Rates for Military Personnel: USAA offers some of the lowest rates for Lincoln owners, especially beneficial for military families and veterans. Their rates often start around $75 per month, making it a strong choice for affordable coverage and cheap Lincoln auto insurance quotes.
• Exceptional Client Assistance: Known for superior customer service, USAA provides 24/7 support and a user-friendly app for managing claims, which is crucial for Lincoln drivers. Their high customer satisfaction levels contribute to better overall experiences and cheap Lincoln auto insurance quotes.
• High A.M. Best Rating: USAA holds an A++ rating from A.M. Best, reflecting its financial stability and reliability, which ensures that Lincoln enthusiasts are well-covered in the event of a claim. This high rating often translates to more favorable cheap Lincoln auto insurance quotes. Look out more through our Allstate vs. USAA insurance review.

Cons

• Eligibility Limitations: USAA coverage is limited to military members, veterans, and their families, which means many Lincoln owners may not be eligible. This exclusivity can limit access to cheap Lincoln auto insurance quotes for the broader population.
• Limited Local Agent Presence: With no local agents, USAA may not be ideal for those who prefer face-to-face interactions for their insurance needs. The lack of personal interaction can sometimes affect the quality of cheap Lincoln auto insurance quotes received.

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#2 – State Farm: Best for Local Agents

Pros

• Strong Local Agent Network: State Farm provides access to a vast network of local agents, offering personalized service and tailored advice for Lincoln drivers. Their local presence helps in securing more precise cheap Lincoln auto insurance quotes.
• Diverse Policy Choices: Offers a variety of coverage options, including comprehensive and collision coverage, ideal for the luxury features of a Lincoln. This variety ensures that Lincoln owners get the best cheap Lincoln auto insurance quotes for their needs.
• Excellent A.M. Best Evaluation: State Farm holds an A++ rating from A.M. Best, indicating strong financial strength and reliability for Lincoln owners. This high rating supports the provision of reliable cheap Lincoln auto insurance quotes.

Cons

• Higher Rates in Some Areas: Premiums can be higher in certain locations, which might not be as cost-effective for all Lincoln owners. This variability can impact the affordability of cheap Lincoln auto insurance quotes. Check out more through our State Farm insurance review.
• Limited Online Tools: State Farm’s online tools may not be as advanced or user-friendly as some competitors, which could be a drawback for tech-savvy Lincoln drivers seeking quick access to cheap Lincoln auto insurance quotes.

#3 – Geico: Best for Extensive Discounts

Pros

• Extensive Discounts: Geico is known for its numerous discounts, including those for good driving records and multi-car policies, which can benefit Lincoln enthusiasts. These discounts contribute to more competitive cheap Lincoln auto insurance quotes.
• Budget-Friendly Premiums: Offers competitive rates, starting around $75 per month, which can be particularly advantageous for budget-conscious Lincoln drivers. Geico’s pricing structure often results in affordable cheap Lincoln auto insurance quotes.
• Superior A.M. Best Grade: With an A++ rating from A.M. Best, Geico assures strong financial backing and reliability for Lincoln drivers. This high rating supports the delivery of dependable cheap Lincoln auto insurance quotes. Read more through our Geico insurance review.

Cons

• Basic Customer Service: Geico’s customer service may be less personalized compared to other providers, potentially affecting the overall experience for Lincoln owners. This might influence the quality of cheap Lincoln auto insurance quotes.
• Limited Coverage Options: May offer fewer specialized coverage options compared to competitors, which might not meet all the needs of Lincoln drivers seeking comprehensive cheap Lincoln auto insurance quotes.

#4 – American Family – Best for Flexible Coverage

Pros

• Flexible Coverage: American Family provides flexible coverage options, including customizable policies that can be tailored to the specific needs of Lincoln owners. This flexibility helps in obtaining cheap Lincoln auto insurance quotes that fit individual requirements.
• Premier A.M. Best Rating: With an A rating from A.M. Best, American Family offers reliable financial stability for Lincoln drivers. This strong rating supports the provision of reliable cheap Lincoln auto insurance quotes. Find out more about American Family in our American Family review.
• Excellent Roadside Assistance: Their roadside assistance program is comprehensive, providing peace of mind for Lincoln enthusiasts on the road. Reliable roadside assistance adds value to cheap Lincoln auto insurance quotes.

Cons

• Higher Premiums: Premiums can be higher compared to some competitors, which might not be ideal for cost-conscious Lincoln owners. This can affect the affordability of cheap Lincoln auto insurance quotes.
• Limited Discounts: American Family’s discount offerings may be less extensive compared to other insurers, potentially impacting overall savings and cheap Lincoln auto insurance quotes.

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#5 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible Program: Nationwide’s vanishing deductible program can reduce the deductible amount as claim-free years accumulate, benefiting Lincoln owners. This program can help in securing cheaper Lincoln auto insurance quotes over time.
• Exceptional A.M. Best Rating: Holds an A+ rating from A.M. Best, reflecting strong financial stability and reliability for Lincoln drivers. This rating supports the delivery of dependable cheap Lincoln auto insurance quotes. Learn from our Nationwide auto insurance review about their financial stability.
• Premium Customer Care: Nationwide provides solid customer service with options for both online and phone support, ideal for Lincoln enthusiasts seeking responsive service. Good service contributes to the overall value of cheap Lincoln auto insurance quotes.

Cons

• Higher Premiums in Certain Areas: Premiums may be higher in some regions, which could affect affordability for Lincoln drivers. This geographic variability can impact the overall affordability of cheap Lincoln auto insurance quotes.
• Limited Online Tools: Their online tools may not be as advanced or comprehensive as those of some competitors, which could be a drawback for tech-savvy users seeking cheap Lincoln auto insurance quotes online.

#6 – Progressive: Best for Competitive Rates

Pros

• Affordable Pricing: Known for offering competitive rates, with some of the lowest premiums available for Lincoln drivers, starting around $75 per month. This competitive pricing often leads to more affordable cheap Lincoln auto insurance quotes.
• Strong A.M. Best Assessment: Holds an A+ rating from A.M. Best, ensuring financial stability and reliability for Lincoln enthusiasts. This high rating supports the provision of dependable cheap Lincoln auto insurance quotes which you can check through our Progressive insurance review.
• Adjustable Coverage Solutions: Offers a wide range of coverage options and add-ons, allowing Lincoln drivers to customize their policies. This flexibility can help in securing cheap Lincoln auto insurance quotes that match specific needs.

Cons

• Customer Service Variability: Customer service experiences can vary, with some drivers reporting less consistent service quality. This variability can affect the overall satisfaction with cheap Lincoln auto insurance quotes.
• Limited Local Agent Presence: Progressive’s focus on online services may not appeal to those who prefer face-to-face interactions. The lack of local agents can sometimes impact the quality of cheap Lincoln auto insurance quotes.

#7 – Allstate: Best for Comprehensive Coverage

Pros

• Full-Spectrum Coverage: Provides extensive coverage options, including specialized policies for Lincoln owners seeking comprehensive protection. This range helps in obtaining detailed cheap Lincoln auto insurance quotes.
• Exceptional A.M. Best Rating: With an A+ rating from A.M. Best, Allstate offers strong financial stability for Lincoln drivers. This reliability supports the provision of trustworthy cheap Lincoln auto insurance quotes. Read more about this provider in our Allstate auto insurance review.
• Accident Forgiveness: Their accident forgiveness program can prevent your rates from increasing after your first accident, which is beneficial for Lincoln enthusiasts. This feature can help maintain affordable cheap Lincoln auto insurance quotes.

Cons

• Higher Premiums: Premiums can be higher compared to some competitors, which might not be ideal for all Lincoln drivers. This can affect the overall affordability of cheap Lincoln auto insurance quotes.
• Complex Claims Process: Some users report that Allstate’s claims process can be complex and time-consuming. A complicated claims process might impact the overall satisfaction with cheap Lincoln auto insurance quotes.

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#8 – Travelers: Best for Financial Standing

Pros

• Strong Financial Standing: With an A++ rating from A.M. Best, Travelers offers strong financial stability, ensuring reliable coverage for Lincoln drivers. This high rating contributes to dependable cheap Lincoln auto insurance quotes.
• Economical Coverage Costs: Known for competitive rates, which can be advantageous for budget-conscious Lincoln enthusiasts. This competitive pricing often leads to affordable cheap Lincoln auto insurance quotes.
• Outstanding Service Experience: Offers solid customer service with multiple contact options, including phone and online support. Effective customer service contributes to a better experience with cheap Lincoln auto insurance quotes.

Cons

• Limited Discounts: Discount offerings may be less extensive compared to some competitors, which could impact overall savings for Lincoln drivers. This can affect the overall attractiveness of cheap Lincoln auto insurance quotes.
• Higher Rates in Some Areas: Premiums can be higher in certain regions, potentially affecting affordability. Geographic variability might influence the affordability of cheap Lincoln auto insurance quotes. Look for more details through our Travelers insurance review.

#9 – Farmers: Best for Customizable Policies

Pros

• Modifiable Policy Features: Farmers provides a wide range of customizable policy options, which is ideal for Lincoln owners seeking specific coverage needs. This customization can result in more targeted cheap Lincoln auto insurance quotes.
• Outstanding A.M. Best Score: Holds an A rating from A.M. Best, reflecting solid financial stability and reliability for Lincoln drivers. This rating supports the provision of dependable cheap Lincoln auto insurance quotes.
• Top-Notch Customer Support: Offers strong customer service with options for both local agents and online support. This support enhances the overall value of cheap Lincoln auto insurance quotes. Take a look at our Farmers auto insurance review to learn more.

Cons

• Higher Premiums: Premiums can be higher compared to some competitors, which might not be ideal for cost-conscious Lincoln owners. This can impact the affordability of cheap Lincoln auto insurance quotes.
• Limited Online Tools: Farmers’ online tools and app features may not be as advanced as those of some other insurers. This limitation can affect access to cheap Lincoln auto insurance quotes.

#10 – Liberty Mutual: Best for Multi-Policy Discount

Pros

• Multi-Policy Discounts: Liberty Mutual offers significant discounts for bundling multiple policies, which can be advantageous for Lincoln owners looking to save on overall insurance costs. These discounts can lead to cheaper Lincoln auto insurance quotes.
• Elite A.M. Best Ranking: With an A rating from A.M. Best, Liberty Mutual provides reliable financial stability for Lincoln drivers. This strong rating supports the provision of dependable cheap Lincoln auto insurance quotes. Read more about it through our Liberty Mutual auto insurance review.
• Good Service Experience: Provides strong customer service with multiple support channels, including phone and online options. Effective customer service can enhance the overall value of cheap Lincoln auto insurance quotes.

Cons

• Higher Premiums in Some Areas: Premiums may be higher in certain regions, potentially affecting affordability for Lincoln drivers. This can impact the overall cost-effectiveness of cheap Lincoln auto insurance quotes.
• Complex Policy Options: The range of policy options and add-ons can be overwhelming, requiring careful review to ensure all coverage needs are met. This complexity might affect the clarity of cheap Lincoln auto insurance quotes.

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Understanding the Different Types of Coverage for Lincolns

A Lincoln is more than just a car; it represents a significant investment in luxury and comfort. To ensure its value and your peace of mind, it’s crucial to understand the various types of auto insurance coverage available, as well as the specific limitations each policy may have.

Lincoln Auto Insurance Monthly Rates by Coverage Level & Provider

This knowledge allows you to select the best protection tailored to your needs, safeguarding both your vehicle and your financial well-being.

• Liability Coverage: Required in most states, liability auto insurance coverage is the bedrock of all auto insurance policies. Liability coverage protects you in common situations, like causing an accident, a pile-up, or property damage.
• Comprehensive Coverage: To protect your Lincoln, comprehensive car insurance may feel like a given. Windshield replacements can exceed $1,000, but many states waive car insurance deductibles. Comprehensive coverage also covers theft, falling objects, and floods.
• Collision Coverage: If you have a loan or a lease on your Lincoln, you’ll have to carry comprehensive and collision in order to protect your lienholder or lessee’s investment. Learn the differences between collision and comprehensive coverage.
• Roadside Assistance: Auto insurance with roadside assistance is an inexpensive option at most insurance companies, but it can prevent serious claims.

To find out which coverage is right for you, ask for comparison quotes. Any auto insurance company can send you several quotes to show the cost of various options. Don’t tax your budget, but don’t take on any risk you aren’t comfortable affording.

 

Learn more about auto insurance requirements by state.

Comparing Rates and Coverage Options for Lincolns

Several factors are at play when determining the monthly cost of your auto insurance. Your age, driving history, credit score, insurance history, location, and other personal information form part of the picture, but so does the vehicle you drive.

If you’re behind the wheel of a Lincoln, it’s because you value high quality. Lincolns are costly, and so are replacement parts. As such, your insurance will likely run above average.

Average Monthly Cost to Insure a Lincoln

Here are a few things to keep an eye out for:

• Vehicle Safety: Lincolns are some of the safest vehicles on the road today, and most insurance companies offer discounts accordingly.
• Anti-Theft: If you’re driving or purchasing a Lincoln equipped with the highest-tech anti-theft features, ask your insurance carrier to be sure that you’re saving as much as you should.
• Multi-Car: If you have more than just your Lincoln, link them up. Having multiple vehicles insured with the same company often garners one of the biggest discounts available.
• Multi-Line: Whether it’s homeowners, renters, or life insurance, bundling products will save on each.
• Drivers Training: It’s probably been a while since you’ve taken a drivers training course, but many insurers offer discounts for taking updated classes, even if they’re taken online.
• Usage-Based Discounts: Many major insurance companies now offer discounts for drivers who allow the monitoring of driving habits, whether through a device received in the mail or by downloading and maintaining an app.

Every insurance company is happy to quote you, but coverage and discount options vary. Gather quotes, explore your options, and make sure you understand each item line-by-line.

Find the Most Affordable Lincoln Auto Insurance Today

Which auto insurance is best for your Lincoln? The answer may differ from state to state or even city to city. No matter where you live, quotes are your friend. Compare rates, compare coverage offerings, then don’t just pick based on cost.

Price will always be a determining factor when considering auto insurance premiums. However, it’s still just a single factor.

When something goes awry, do you prefer to call with your concerns or file your claims online or via an app? Each company operates a little differently, and which you prefer will depend on your personality and how you prefer to do business.

If you like to have a single contact, perhaps opt for an agent. Independent agents (brokers) can over quotes from dozens of companies at once. They also serve as a single contact in the event of an emergency or crisis.

Other companies operate with no local agents at all, and they prioritize their customer service calls by having short hold times by sourcing numerous call centers. Determine how you want to do business and with whom.

Outside of your home, your Lincoln is likely your second-largest investment, and it’s worth protecting. In today’s economy, quality used vehicles have become scarce, and acquiring them has become even costlier than usual.

With Lincolns having the highest cost of repair, understanding your coverage is more valuable than ever. Choose the insurer that makes you feel assured. You can start your quote by entering your ZIP code below.

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