Compare Lincoln Town Car Insurance Rates

Car insurance rates for a Lincoln Town Car average $1,326 a year, or around $111 a month. On average, comprehensive coverage costs $323, collision coverage costs $471, and liability coverage costs $374 for Lincoln Town Car insurance.

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UPDATED: Aug 1, 2020

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Here's what you need to know...
  • The average Lincoln Town Car insurance rates are $110/mo
  • In 2010, the Lincoln Town Car was awarded a five-star crash rating that a vehicle can get from the NHTSA
  • Such a high safety rating can help save you money on your car insurance premiums
  • The Lincoln Town Car has several unique features that could make it be the perfect car for your needs


Lincoln Town Car insurance rates average $1,326 a year or $111 a month for full coverage. Drivers of an older Lincoln Town Car may choose liability-only coverage which is about $532 a year or $44 a month. Good drivers can save up to $547 a year in policy discounts for being claim-free. Let’s take a 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 auto insurance costs 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 Mercedes-Benz CLS 550, BMW M3, and Audi S7.

VehicleComprehensiveCollisionLiabilityTotal
Mercedes-Benz CLS 550$432$952$398$1,940
BMW M3$406$804$398$1,766
Audi S7$532$1,250$398$2,338
Audi S6$444$894$398$1,894
Audi A6$382$744$398$1,682
Audi A8$464$900$390$1,912

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?

You might have noticed that there is a multitude of factors that impact Lincoln Town Car car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Lincoln Town Car.

Age of the Vehicle

The average Lincoln Town Car auto insurance rates are higher for newer models. For example, auto insurance for a 2011 Lincoln Town Car costs $1,326, while 2010 Lincoln Town Car insurance costs are $1,292, a difference of $34.

Model YearComprehensiveCollisionLiabilityTotal
2011 Lincoln Town Car$242$466$460$1,326
2010 Lincoln Town Car$234$436$464$1,292

Driver Age

Driver age can have a significant effect on Lincoln Town Car car insurance rates. As an example, a 30-year-old driver pays around $58 more each year for their Lincoln Town Car car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Lincoln Town Car insurance rates. For example, drivers in Phoenix may pay $729 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Lincoln Town Car car insurance. Teens and drivers in their 20’s see 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 TypeRating
Small overlap front: driver-sideNot Tested
Small overlap front: passenger-sideNot Tested
Moderate overlap frontGood
SideNot Tested
Roof strengthNot Tested
Head restraints and seatsNot Tested
Source: Insurance Institute for Highway Safety

Lincoln Town Car Crash Test Ratings

Not only do good Lincoln Town Car crash test ratings mean you are better protected in a crash, but good Lincoln Town Car crash ratings also mean cheaper insurance rates.

Vehicle TestedOverallFrontalSideRollover
Lincoln Town CarN/RN/RN/R5
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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, you will pay more if you purchase Lincoln Town Car car insurance at the dealership, 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

You can save more money on your Lincoln Town Car auto insurance rates by employing any of the following five strategies.

  • Ask About Student Discounts
  • Tell Your Insurer About Different Drivers or Uses for Your Lincoln Town Car
  • Make Sure You Use an Accredited Driver Safety Program
  • Spy on Your Teen Driver
  • Reduce Your Coverage on an Older Lincoln Town Car

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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Lincoln Town Car Insurance Quotes Online

You can start comparing quotes for Lincoln Town Car auto insurance rates from some of the best auto insurance companies by using our free online tool now.
In 1969, the Lincoln Continental first debuted the town car as a trim level. Lincoln also became one of the most well-known names in the automotive industry in this country.

By utilizing the name Town Car, Lincoln set a precedent that became synonymous with luxury and prestige.

Since the late 60s, this rear-wheel drive, eight-cylinder vehicle has become the flagship for the Lincoln brand name.

Today, it is mainly utilized by the livery business because of its large trunk, smooth comfortable ride, and luxurious interior

The car insurance costs are improved by the changes that have been made over time. However, be aware that newer models are always more expensive to insure.

Get specific car insurance quotes for your situation by entering your ZIP code now!

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What are the available options for a Lincoln Town Car?

Buyers have the option of purchasing several bonus features on the Lincoln Town Car such as:

  • Daytime running lamps
  • High-powered headlamps
  • 17-inch aluminum wheels
  • Power locks
  • Power windows
  • Leather interior
  • Suspension turning
  • Stainless steel exhaust

The 2010 model had a starting price of just under $47,000 for the Limited series and just under $53,000 for the L series.

The national average cost to own a Town Car is a little over $67,000.

Both also have a wheelbase of almost 124 inches, a fuel tank with the 19-gallon capacity, 239 hp, and the V-8 engine that gets 16 miles in the city and 24 miles on the highway.

What Are Some Unique Features of the Lincoln Town Car?

The Lincoln Town Car is unique because it doesn’t need premium gasoline like other luxury vehicles.

Other unique features actually help to reduce the cost of auto insurance for the Lincoln town car. These important features include:

  • Pretensioners
  • Antilock brakes
  • Side impact airbags
  • Front-impact airbags
  • Ignition disabling security system

If you want to be sure that you receive the best insurance rates for the Lincoln Town Car, you can do a number of things.

What is the Cost of Insurance for the Lincoln Town Car?

Today, the Lincoln Town Car is available in both standard and long-wheelbase editions, and both come standard with the V-8 engine.

Its most attractive features include:

  • Dual zone climate control
  • Top-notch sound system
  • Preset memory system for the mirrors, seats, and pedals
  • Adjustable pedals
  • Heated seats
  • 239 hp engine
  • Four-speed automatic gear system

The Lincoln Town Car has endured for decades. From its humble beginning as a trim level for the Lincoln Continental through today, it remains the epitome of the American luxury car.

Thanks to its many safety features, as well as the awards that it has won, your insurance premiums are competitive for this vehicle.

Compare online car insurance quotes for the Lincoln Town Car now- just enter your ZIP code here!

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