Best Lincoln Town Car Car Insurance in 2024
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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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Aug 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Our Top 10 Company Picks: Best Lincoln Town Car Car Insurance
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Customer Service State Farm
#2 25% A++ Affordable Rates Geico
#3 10% A++ Military Savings USAA
#4 20% A++ Coverage Flexibility Auto-Owners
#5 16% A+ Low Rates Erie
#6 12% A+ Snapshot Program Progressive
#7 13% A++ Optional Coverages Travelers
#8 15% A+ Claims Satisfaction Amica
#9 10% A+ Local Agents Allstate
#10 15% A+ Flexible Policies Nationwide
Lincoln Town Car Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $71 $122
Amica $67 $131
Auto-Owners $97 $148
Erie $78 $144
Geico $99 $119
Nationwide $75 $150
Progressive $60 $132
State Farm $95 $138
Travelers $62 $113
USAA $87 $104
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Lincoln Town Car Insurance Cost
The average Lincoln Town Car auto insurance costs are $1,326 a year or $111 a month.
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.
| Vehicle | Comprehensive | Collision | Liability | Total |
| 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 Year | Comprehensive | Collision | Liability | Total |
| 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 Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Not Tested |
| Roof strength | Not Tested |
| Head restraints and seats | Not 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 Tested | Overall | Frontal | Side | Rollover |
| Lincoln Town Car | N/R | N/R | N/R | 5 |
| 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
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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.
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.
| 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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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!
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 air bags
- Front-impact air bags
- 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.
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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!
Frequently Asked Questions
What factors determine car insurance rates for a Lincoln Town Car?
Several factors influence car insurance rates for a Lincoln Town Car. The key factors include your driving history, age, gender, the year and model of the vehicle (in this case, the Lincoln Town Car), your credit score, the coverage limits you choose, and the deductible amount you select. Additionally, factors specific to your location, such as crime rates, population density, and accident statistics, can also impact insurance rates.
How can I compare car insurance rates for a Lincoln Town Car?
To compare car insurance rates for a Lincoln Town Car, you can follow these steps:
- Gather necessary information: Collect details about your Lincoln Town Car, your driving history, and coverage preferences.
- Research insurance companies: Look for reputable insurance providers that offer coverage for the Lincoln Town Car.
- Request quotes: Contact different insurance companies or use online platforms to obtain quotes based on your information.
- Compare rates and coverage: Review the quotes received, considering both the premium amounts and the coverage options provided.
- Evaluate customer reviews and satisfaction ratings: Check customer feedback and ratings to gauge the quality of service provided by each insurer.
- Choose the best option: Select an insurance policy that offers the coverage you need at a competitive rate.
Are car insurance rates for a Lincoln Town Car higher than average?
Car insurance rates for a Lincoln Town Car can vary depending on several factors, including your individual circumstances and the insurance company you choose. While rates for the Lincoln Town Car may differ from the average rates for other vehicles, it is essential to compare rates from multiple insurers to get an accurate understanding of the costs specific to your situation.
Can I lower my car insurance rates for a Lincoln Town Car?
Yes, there are several ways you can potentially lower your car insurance rates for a Lincoln Town Car:
- Maintain a clean driving record: Avoid accidents and traffic violations.
- Opt for a higher deductible: Choosing a higher deductible amount can lower your premium, but keep in mind that you’ll pay more out of pocket in the event of a claim.
- Bundle policies: Consider bundling your car insurance with other policies, such as home or renters insurance, as many insurers offer discounts for multiple policies.
- Improve your credit score: A good credit score can help reduce insurance premiums.
- Explore discounts: Inquire about available discounts, such as safe driver discounts, anti-theft device discounts, or discounts for completing defensive driving courses.
Are there any specific car insurance requirements for a Lincoln Town Car?
The car insurance requirements for a Lincoln Town Car are the same as those for any other vehicle. The specific requirements depend on your location and applicable laws. It is important to carry at least the minimum liability insurance required by your state or region. Additionally, if you have a loan or lease on your Lincoln Town Car, your lender or leasing company may require you to carry comprehensive and collision coverage.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
