How much would car insurance cost for a Lincoln Mark LT?

The average Lincoln Mark LT car insurance rates are $142/mo. You may see lower car insurance rates on the Lincoln Mark LT because J.D. Power Quality listed this luxury truck as one of the top pickups for dependability and quality.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 22, 2020

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Here's what you need to know...

  • The Lincoln Mark LT was produced from 2005 – 2008
  • It includes many safety features which help keep insurance premiums down
  • It performs well in crash tests, which also help keep insurance rates low
  • Your own driving history will play a significant role in your insurance costs


If you are thinking about buying a new-to-you car, no doubt you are concerned with the cost of insurance. The Lincoln Mark LT is considered a smart buy, but have you ever wondered just how much would car insurance would cost?

The average car insurance cost for a Lincoln Mark LT falls around $1700 per year, without taking specifics into account.

For your specific Lincoln Mark LT car insurance quotes, enter your zip code now!

Prior to buying any vehicle, you need to know how the engine and safety specifics are going to impact your car insurance cost. This monthly car insurance premium is a significant part of the cost of car ownership.

Once you know how your car is affected by those factors, you can take steps to lower your premiums.

How does the construction of the Lincoln Mark LT affect its car insurance cost?

The Lincoln Mark LT is a luxury pickup truck that was made by the American Ford Motor Company under the Lincoln name.

These trucks were first introduced for sale in January 2005 (for the 2006 model year) and the company continued production on them until the 2008 model year.

These are very upscale trucks and have features like:

  • a handsome chrome grille
  • unique tail lights
  • wood trim
  • heated leather seating
  • keyless entry

Some models even have a built-in DVD player and a navigation system, as well as a rearview camera which helps drivers avoid bumper dents when parking. The truck’s engine was 5.4 L Triton V8 with rear-wheel drive or four-wheel drive.

As exciting as this truck was in its time, it was discontinued in 2008. Ford Lincoln still has plans to repackage the truck to the Mexican auto market.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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How does a car insurance company look at the Lincoln Mark LT?

Do vehicle specifics really affect insurance rates? Yes, they do.

Insurance is a business like any other and the insurance provider’s main goal is to make a profit. In order to make a profit and stay in business, car insurance companies have to take in more money in premiums than they pay out each year.

They manage to do this by tracking and applying current statistics. Think of it like educated gambling on their part.

Statistically speaking, if you are a young 18 years old driver with a suped-up, ticket-prone, drag racing style of car, you are seen as an extremely high-risk and a risky gamble according to the insurance company.

However, everyone needs insurance and sometimes great risk means a heftier quote on insurance premiums.

How does the Lincoln Mark LT rank in numbers and statistics?

The good news is that J.D. Power Quality listed this luxury truck as one of the top trucks for dependability and quality—and it has done so every year since the truck was manufactured.

These reliability tests can help determine the average cost for basic repairs and major repairs, as well as the likelihood of an accident.

All of this data is significant because it could add up and cost you more money for regular coverage. Insurance companies take note of studies like these because they do occasionally help lower premium rates for certain car models.

However, the more expensive and newer the car, the more you tend to pay in premiums, as it is costlier to replace these specialty parts.

If the Lincoln Mark LT you drive has a full package with DVD player and navigation system, understand you are paying for all those things to be covered in a claim if your truck happens to get stolen or totaled.

How do I find cheap car insurance quotes for the Lincoln Mark LT?

If you want to find a ballpark figure for insurance on the Lincoln Mark LT, then it is best you call an agent or search online. Every company’s quote is going to be different.

How can this be if several people all buy the same type of truck? Statistics aren’t only about the type of truck, but also various factors about the driver himself as well as the region and location.

Your age, sex, marital status, driving history and location all play a key role in determining your insurance rates. Did you know that your credit score can affect your rate?

Did you know that when you choose to live in the city over the countryside, you increase your premiums by a significant margin?

To make sure you are getting the best deal, pursue all available discounts through coupon codes, special promotions, and of course alterations to your car. For example, safety features can help reduce a car’s risk of damage. These include:

  • airbags
  • anti-lock brakes
  • anti-theft devices

You can also ask for discounts such as good student discounts, defensive driving course discounts, senior rates and other local deals.

No matter how good the rate seems, always remember to comparison shop and read the fine print of the contract. Make sure that you are getting all the coverage you need.

No matter the high price, a policy is not worth the money if it the company is not dependable when you need a claim paid!

The good news is that the Lincoln Mark LT does have a good crash rating as well as very few recalls and fairly low estimated repair costs.

By applying for all available discounts and doing whatever you can as a driver to lower your rates, insurance on the Lincoln Mark LT should be relatively easy to find.

This truck is commonly known as an inexpensive alternative to other truck models, and certainly has a great deal of personality and high-tech performance.

If you want to know how much would car insurance cost for a Lincoln Mark LT, enter your ZIP code and start checking car insurance quotes now!

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