Lincoln Town Car Insurance Rates [List of Money Saving Tips]

Lincoln Town Car insurance rates are around $111 a month. A good driving record can keep your Lincoln Town Car insurance costs low, but you can save even more money on your Lincoln Town Car insurance coverage when you comparison shop online. Start by entering your ZIP code below to get your free Lincoln Town Car insurance quote now.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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

Lincoln Town Car insurance rates come in $193 a year below the national average for vehicles. Full coverage for your Town Car is only $1,326 a year or $111 a month, but good drivers can save even more with up to $547 in discounts for being a safe and courteous driver. In this article, we’re going to look at Lincoln Town Car insurance rates, safety features, and more.

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 Lincoln Town Car car insurance rates are $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 Porsche Panamera, Mercedes-Benz C300, and Cadillac CT6.

Vehicle Comprehensive Collision Liability Total
Porsche Panamera $520 $1,042 $398 $2,118
Mercedes-Benz C300 $404 $718 $372 $1,652
Cadillac CT6 $382 $774 $398 $1,712
Volvo S60 $332 $656 $398 $1,544
Cadillac CTS-V $406 $804 $338 $1,684
Audi S6 $444 $894 $398 $1,894
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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 can impact the total price you will pay for Lincoln Town Car auto insurance coverage.

Age of the Vehicle

The average Lincoln Town Car auto insurance rates are higher for newer models. For example, auto insurance rates for a 2011 Lincoln Town Car cost $1,326, while 2010 Lincoln Town Car rates 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
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Driver Age

Driver age can have a significant impact on the cost of Lincoln Town Car auto insurance. For example, 20-year-old drivers pay as much as $1,680 more each year for their Lincoln Town Car auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Lincoln Town Car insurance rates. For example, drivers in New York may pay $809 a year more than drivers in Seattle.

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 sees the highest jump in their Lincoln Town Car car insurance with violations on their driving record.

Lincoln Town Car Safety Ratings

Your Lincoln Town Car auto insurance rates are influenced by the Lincoln Town Car’s safety ratings. See the breakdown below:

Test Type Rating
Moderate overlap front Good
Source: Insurance Institute for Highway Safety
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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
Lincoln Town Car NR NR NR 5
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Lincoln Town Car Safety Features

Having a variety of safety features on your Lincoln Town Car can help lower your insurance costs. According to AutoBlog, the 2020 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, most lenders will require your carry higher Lincoln Town Car coverage options including comprehensive coverage, so be sure to shop around and compare Lincoln Town Car car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Lincoln Town Car Insurance

Although it may seem like your Lincoln Town Car car insurance rates are set, there are a few measures that you can take to secure the best Lincoln Town Car car insurance rates possible. Take a look at the following five ways to save on Lincoln Town Car auto insurance.

  • Get Lincoln Town Car Auto Insurance Through Costco
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Ask About Retiree Discounts
  • Pay Your Bills On Time — Especially Lincoln Town Car Payments and Insurance
  • Ask for a Lincoln Town Car Discount If You Have College Degree or Higher

Top Lincoln Town Car Insurance Companies

Several top car insurance companies offer competitive rates for the Lincoln Town Car rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Lincoln Town Car drivers organized by market share.

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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Start comparing Lincoln Town Car car insurance quotes for free by using our convenient online comparison tool.

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