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 MKT Town Car? 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 MKT Town Car insurance facts

  • Average full coverage auto insurance premium: $164/month

  • Most affordable companies: USAA ($93/month) & Erie Insurance ($99/month)

  • MKT Town Car car insurance cost vs. average rates: $39 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lincoln MKT Town Car 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 MKT Town Car insurer costs by state:

Risk factors affecting Lincoln MKT Town Car 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 MKT Town Car 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 MKT Town Car 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 MKT Town Car 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.

2019 Lincoln MKT Town Car

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2156
Allstate$1899
American Family$1691
Amica$2360
Auto-Owners$1360
Country Financial$2015
Erie$1206
Farmers$1648
GEICO$1390
Kentucky Farm Bureau$2040
Liberty Mutual$1865
MAPFRE$2490
Mercury$1745
MetLife$2290
Progressive$1320
Sentry$1429
Shelter$2580
State Farm$1533
Tennessee Farmers$1780
Texas Farm Bureau$1563
The Hanover$2084
Travelers$1936
USAA$1133

Compare all 2019 Lincoln MKT Town Car rates

Average Cost to Insure Per Year

$1974

List Price

$49500

Trims Available

Hearse Fleet - Limousine Fleet - Livery Fleet - Base Engine: four-cylinder - 235 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 MKT Town Car

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1322
Acuity$ 1322
Allied$ 1256
Allied$ 1256
Arbella$ 1492
Arbella$ 1492
Country$ 1397
Country$ 1397
Erie$ 1107
Erie$ 1107
GEICO$ 1568
GEICO$ 1568
Mercury$ 1570
Mercury$ 1570
Nationwide$ 1453
Nationwide$ 1453
Plymouth Rock Insurance$ 1360
Plymouth Rock Insurance$ 1360
Southern Farm Bureau$ 1588
Southern Farm Bureau$ 1588
USAA$ 1303
USAA$ 1303
Vermont Mutual$ 1274
Vermont Mutual$ 1274

Compare all 2018 Lincoln MKT Town Car rates

Average Cost to Insure Per Year

$1799

List Price

$45980

Trims Available

Hearse Fleet - Limousine Fleet - Livery Fleet - Base Engine: four-cylinder - 235 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

2017 Lincoln MKT Town Car

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 777
Allied$ 777
American Family$ 1014
American Family$ 1014
Erie$ 748
Erie$ 748
Farmers$ 1004
Farmers$ 1004
GEICO$ 689
GEICO$ 689
Nationwide$ 837
Nationwide$ 837
Progressive$ 388
Progressive$ 388
Safeco$ 949
Safeco$ 949
State Farm$ 517
State Farm$ 517
Texas Farm Bureau$ 804
Texas Farm Bureau$ 804
USAA$ 654
USAA$ 654
Vermont Mutual$ 895
Vermont Mutual$ 895

Compare all 2017 Lincoln MKT Town Car rates

Average Cost to Insure Per Year

$ 749

List Price

$ 45870

Trims Available

Hearse Fleet - Limousine Fleet - Livery Fleet

2016 Lincoln MKT Town Car

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 791
Allied$ 791
American Family$ 988
American Family$ 988
Erie$ 748
Erie$ 748
Farmers$ 935
Farmers$ 935
GEICO$ 550
GEICO$ 550
Nationwide$ 855
Nationwide$ 855
Progressive$ 387
Progressive$ 387
Safeco$ 892
Safeco$ 892
State Farm$ 517
State Farm$ 517
Texas Farm Bureau$ 785
Texas Farm Bureau$ 785
USAA$ 660
USAA$ 660
Vermont Mutual$ 863
Vermont Mutual$ 863

Compare all 2016 Lincoln MKT Town Car rates

Average Cost to Insure Per Year

$ 732

List Price

$ 46535

Trims Available

Limousine Fleet - Livery Fleet

2015 Lincoln MKT Town Car

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 803
Allied$ 803
American Family$ 963
American Family$ 963
Erie$ 733
Erie$ 733
Farmers$ 955
Farmers$ 955
GEICO$ 554
GEICO$ 554
Nationwide$ 870
Nationwide$ 870
Progressive$ 388
Progressive$ 388
Safeco$ 844
Safeco$ 844
State Farm$ 504
State Farm$ 504
Texas Farm Bureau$ 767
Texas Farm Bureau$ 767
USAA$ 664
USAA$ 664
Vermont Mutual$ 827
Vermont Mutual$ 827

Compare all 2015 Lincoln MKT Town Car rates

Average Cost to Insure Per Year

$ 719

List Price

$ 46375

Trims Available

Limousine Fleet - Livery Fleet

2014 Lincoln MKT Town Car

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 811
Allied$ 811
American Family$ 937
American Family$ 937
Erie$ 705
Erie$ 705
Farmers$ 948
Farmers$ 948
GEICO$ 539
GEICO$ 539
Nationwide$ 878
Nationwide$ 878
Progressive$ 373
Progressive$ 373
Safeco$ 798
Safeco$ 798
State Farm$ 483
State Farm$ 483
Texas Farm Bureau$ 750
Texas Farm Bureau$ 750
USAA$ 647
USAA$ 647
Vermont Mutual$ 793
Vermont Mutual$ 793

Compare all 2014 Lincoln MKT Town Car rates

Average Cost to Insure Per Year

$ 698

List Price

$ 46215

Trims Available

Limousine Fleet - Livery Fleet

2013 Lincoln MKT Town Car

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 818
Allied$ 818
Allstate$ 950
Allstate$ 950
American Family$ 912
American Family$ 912
Erie$ 678
Erie$ 678
GEICO$ 519
GEICO$ 519
Nationwide$ 867
Nationwide$ 867
Progressive$ 362
Progressive$ 362
Safeco$ 743
Safeco$ 743
State Farm$ 466
State Farm$ 466
Texas Farm Bureau$ 731
Texas Farm Bureau$ 731
USAA$ 628
USAA$ 628
Vermont Mutual$ 762
Vermont Mutual$ 762

Compare all 2013 Lincoln MKT Town Car rates

Average Cost to Insure Per Year

$ 681

List Price

$ 48450

Trims Available

Limousine Fleet - Livery Fleet