Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a used Lincoln Continental? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lincoln Continental insurance facts

  • Average full coverage auto insurance premium: $165/month

  • Most affordable companies: USAA ($105/month) & Auto-Owners ($110/month)

  • Continental car insurance cost vs. average rates: $33 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lincoln Continental by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

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

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Below average Lincoln Continental insurer costs by state:

Risk factors affecting Lincoln Continental coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Lincoln Continental insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lincoln models, you can get the following insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lincoln luxury automobile brand

Lincoln is an automobile manufacturer division of Ford specializing in top luxury brands with exceptional reliability for the United States market. The target audience of Lincoln is the older generation demanding more traditional cars with elegance and conventional American luxury. All Lincoln automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lincoln Continental, Navigator, and MKZ are some of their most popular cars.

High Lincoln Continental repair costs equal high coverage rates

Many consumers are attracted to Lincoln’s traditional American features, lack of engine vibration, and driver-assist technologies, like Co-Pilot360 safety features. Automotive parts are common but more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lincoln is higher than average since repair parts are more expensive. For this reason, many Lincolns are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lincoln Continental affecting auto policies

Another factor to consider for Lincoln is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lincoln models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lincoln IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lincolns are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lincoln’s (Ford’s) Co-Pilot360 technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lincoln models. The Lincoln Corsair and Lincoln Aviator are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Lincoln automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lincoln automobile owners when buying an insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2020 Lincoln Continental

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1975
American Family$1691
Auto-Owners$1306
Erie$1487
Farmers$1635
GEICO$1503
Mercury$1786
MetLife$2369
Nationwide$1516
Progressive$1435
Safe Auto$2150
State Farm$1590
Tennessee Farmers$1751
Travelers$2019
USAA$1277
Vermont Mutual$2253

Compare all 2020 Lincoln Continental rates

Average Cost to Insure Per Year

$1986

List Price

$46305

Trims Available

Premiere - Premiere Livery - Select - Reserve - Black Label - Base Engine: 3.7-liter V6 engine 305 horsepower with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors

2019 Lincoln Continental

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1965
American Family$1653
Auto-Owners$1216
Direct Auto$1855
Erie$1345
Farmers$1610
GEICO$1423
MetLife$2357
Nationwide$1489
Progressive$1580
Safe Auto$2149
State Farm$1527
Tennessee Farmers$1734
Travelers$2016
USAA$1190
Vermont Mutual$2248

Compare all 2019 Lincoln Continental rates

Average Cost to Insure Per Year

$1895

List Price

$46145

Trims Available

Premiere - Premiere Livery - Select - Reserve - Black Label - Base Engine: 3.7-liter V6 engine 305 horsepower with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors

2018 Lincoln Continental

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1682
Acuity$ 1682
Allied$ 1698
Allied$ 1698
Erie$ 1174
Erie$ 1174
GEICO$ 1638
GEICO$ 1638
Mercury$ 1368
Mercury$ 1368
Nationwide$ 1613
Nationwide$ 1613
Plymouth Rock Insurance$ 1252
Plymouth Rock Insurance$ 1252
Progressive$ 1153
Progressive$ 1153
State Farm$ 1517
State Farm$ 1517
Tennessee Farmers$ 1154
Tennessee Farmers$ 1154
USAA$ 1411
USAA$ 1411
Vermont Mutual$ 1833
Vermont Mutual$ 1833

Compare all 2018 Lincoln Continental rates

Average Cost to Insure Per Year

$ 1696

List Price

$ 45160

Trims Available

Premiere - Premiere Livery - Select - Reserve - Black Label

2017 Lincoln Continental

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1610
Acuity$ 1610
Erie$ 1100
Erie$ 1100
GEICO$ 1383
GEICO$ 1383
Mercury$ 1333
Mercury$ 1333
Nationwide$ 1576
Nationwide$ 1576
Plymouth Rock Insurance$ 1217
Plymouth Rock Insurance$ 1217
Progressive$ 1224
Progressive$ 1224
State Farm$ 1322
State Farm$ 1322
Tennessee Farmers$ 1158
Tennessee Farmers$ 1158
Texas Farm Bureau$ 1235
Texas Farm Bureau$ 1235
USAA$ 1386
USAA$ 1386
Vermont Mutual$ 1684
Vermont Mutual$ 1684

Compare all 2017 Lincoln Continental rates

Average Cost to Insure Per Year

$ 1505

List Price

$ 44720

Trims Available

Livery - Premiere - Select - Reserve - Black Label