Best Car Insurance for Lincoln Town Cars in 2025 (Top 10 Companies Ranked)

When searching for the best car insurance for Lincoln Town cars, State Farm, Geico, and USAA rise to the top. State Farm clinches the title of the best overall pick with its exceptional coverage options tailored specifically for Lincoln Town owners, setting it apart from competitors.

Geico and USAA are strong contenders, closely following with their renowned competitive rates and outstanding customer service, making them top choices for insurance.

Our Top 10 Company Picks: Best Lincoln Town Car Car Insurance

These top providers stand out for their affordability, tailored coverage, and overall value in protecting your Lincoln Town Car. Read more in our article called “Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements.”

Get the right car insurance for Lincoln Town Car at the best price — enter your ZIP code above to shop for coverage from the top insurers.

#1 – State Farm: Top Overall Pick

Pros

• Exceptional Multi-Policy Savings: State Farm offers a 17% reduction for bundling various policies, making it a notable choice for those insuring multiple Lincoln Town Cars. This can considerably lower your total insurance expenditure.
• Customer Support Excellence: Famous for its client service, State Farm provides personalized assistance and support, ensuring that Lincoln Town Car owners receive dedicated care and attention.
• Diverse Coverage Alternatives: State Farm’s broad array of coverage choices addresses various needs, allowing for customization suited to the distinct requirements of Lincoln Town Cars, from standard protection to all-encompassing plans. See the reviews and rankings in our full article titled “State Farm Car Insurance Review.”

Cons

• Relatively Lower Savings: Although its multi-policy discount is robust, State Farm’s 17% offer might be less generous compared to some competitors’ more substantial savings, which could be a factor for Lincoln Town Car owners seeking maximum discounts.
• Potentially Higher Premiums: Even with discounts, the premiums for certain coverage levels at State Farm might still be comparatively high, especially for premium plans covering Lincoln Town Cars.

#2 – Geico: Best for Affordable Rates

Pros

• Generous Multi-Policy Savings: Geico extends a 25% reduction on bundled policies, providing significant savings, making it an ideal choice for those with multiple Lincoln Town Cars. This notable discount can result in considerable financial advantages. More information is available about this provider in our article called “Geico Car Insurance Review.”
• Top-Tier Financial Stability: Holding an A++ rating from A.M. Best, Geico’s financial stability guarantees that claims are processed efficiently, offering peace of mind for Lincoln Town Car owners.
• Competitive Pricing: Geico is recognized for its affordable rates across various coverage types, positioning it as a cost-effective option for insuring Lincoln Town Cars without compromising on protection.

Cons

• Service Quality May Vary: While Geico offers excellent rates, its customer service might not be as highly regarded as some competitors, potentially impacting the support quality for Lincoln Town Car owners.
• Coverage Limitations: Geico’s insurance offerings may not be as comprehensive as those from other providers, potentially limiting options for Lincoln Town Car owners seeking specialized features.

#3 – USAA: Best for Military Savings

Pros

• Exclusive Multi-Policy Savings: USAA provides a 10% reduction for bundling policies, which, though modest, is specifically designed for military families, including those who own Lincoln Town Cars. This discount reflects USAA’s dedication to service members. Read up on the “USAA Car Insurance Review” for more information.
• High Financial Strength: USAA’s A++ rating from A.M. Best highlights its reliability and financial robustness, which benefits Lincoln Town Car owners through trustworthy claim handling.
• Specialized Military Benefits: USAA offers unique advantages and tailored coverage options for military personnel, including customized plans for Lincoln Town Cars, enhancing the value for service members.

Cons

• Modest Savings: The 10% discount for bundling is less competitive compared to other insurers, which could be a downside for Lincoln Town Car owners seeking more significant savings.
• Eligibility Restrictions: USAA’s services are exclusively available to military members and their families, which restricts access for the general public, including non-military Lincoln Town Car owners.

#4 – Auto-Owners: Best for Coverage Flexibility

Pros

• Significant Multi-Policy Savings: Auto-Owners offers a 20% discount for bundling policies, providing considerable savings for those with multiple Lincoln Town Cars. This flexibility enhances affordability across various insurance plans. Check out insurance savings in our complete article called “Auto Owners Car Insurance Review.”
• Strong Financial Stability: With an A++ rating from A.M. Best, Auto-Owners demonstrates high financial reliability and robustness, ensuring that Lincoln Town Car owners receive dependable coverage and assistance.
• Adaptable Coverage Options: Auto-Owners excels in offering flexible coverage alternatives, enabling Lincoln Town Car owners to customize their insurance plans according to specific needs and preferences.

Cons

• Premium Variability: Depending on the selected coverage, premiums can fluctuate, potentially resulting in higher costs for certain Lincoln Town Car insurance plans compared to competitors.
• Regional Availability Issues: Coverage options and discounts may not be uniformly accessible in all areas, which could limit options for some Lincoln Town Car owners.

#5 – Erie: Best for Low Rates

Pros

• Appealing Multi-Policy Savings: Erie provides a 16% discount for bundling policies, making it a cost-effective choice for insuring multiple Lincoln Town Cars. This discount helps reduce overall insurance expenses.
• Solid Financial Rating: Erie’s A+ rating from A.M. Best assures a strong level of financial reliability and support, benefiting Lincoln Town Car owners through reliable service and claim handling.
• Cost-Effective Coverage Plans: Erie is known for its competitive pricing, making it a budget-friendly option for insuring Lincoln Town Cars without sacrificing essential coverage elements. Discover more about offerings in our guide titled “Erie Car Insurance Review.”

Cons

• Discounts May Be Less Generous: The 16% multi-policy discount might be less attractive compared to higher discounts offered by other providers, which could be a consideration for Lincoln Town Car owners seeking substantial savings.
• Limited Customization Options: Erie’s coverage options may lack some of the customization features offered by other insurers, potentially limiting choices for Lincoln Town Car owners requiring specialized coverage.

#6 – Progressive: Best for Snapshot Program

Pros

• Snapshot Program Rewards: Progressive’s Snapshot Program offers discounts based on driving habits, potentially reducing premiums for Lincoln Town Car owners.
• Significant Multi-Policy Savings: Progressive provides a 12% discount for bundling multiple insurance policies, delivering notable savings for Lincoln Town Car drivers.
• Top-Grade A+ Rating: With an A+ rating, Progressive ensures reliable coverage and strong financial backing for those insuring Lincoln Town Cars. Access comprehensive insights into our article called “Progressive Car Insurance Review.”

Cons

• Moderate Discount Levels: While Progressive offers discounts, the overall savings might be less competitive compared to some other insurers for Lincoln Town Cars.
• Snapshot Effectiveness: The impact of the Snapshot Program can vary, which might influence the degree of savings for Lincoln Town Car insurance.

#7 – Travelers: Best for Optional Coverages

Pros

• Extensive Coverage Options: Travelers excels in providing a wide array of optional coverages, addressing specific needs of Lincoln Town Car owners.
• Generous Multi-Policy Discount: Lincoln Town Car drivers can enjoy a 13% discount for bundling policies, enhancing overall insurance affordability with Travelers.
• Excellent A++ Rating: Travelers’ A++ rating reflects superior service quality and dependability for those covering Lincoln Town Cars. Delve into our evaluation of  “Travelers Car Insurance Review.”

Cons

• Potentially Higher Premiums: The broad range of optional coverages may lead to increased premiums, which could affect the cost of Lincoln Town Car insurance.
• Complex Coverage Choices: The variety of coverage options available might be overwhelming for some, complicating the decision-making process for Lincoln Town Car drivers.

#8 – Amica: Best for Claims Satisfaction

Pros

• Top-Rated Claims Service: Amica is renowned for its high level of claims satisfaction, providing a smooth and effective claims experience for Lincoln Town Car drivers.
• Attractive Multi-Policy Discount: Offering a 15% discount for bundling multiple policies, Amica presents substantial savings for insuring Lincoln Town Cars.
• Strong A+ Rating: Amica’s A+ rating signifies robust financial health and reliable customer service for Lincoln Town Car insurance. Unlock details in our guide titled “Amica vs. Progressive Car Insurance Comparison.”

Cons

• Moderate Discount Range: Although Amica offers a competitive multi-policy discount, it may not be as high as some other insurers, potentially impacting savings for Lincoln Town Car owners.
• Limited Coverage Options: The range of coverage options provided by Amica might not be as comprehensive as those of competitors, possibly restricting choices for Lincoln Town Car drivers.

#9 – Allstate: Best for Local Agents

Pros

• Dedicated Local Agents: Allstate provides personalized insurance services through local agents, offering tailored advice and support for Lincoln Town Car policies.
• 10% Multi-Policy Discount: A 10% discount on multiple policies helps Lincoln Town Car drivers achieve cost savings with Allstate.
• Reliable A+ Rating: With an A+ rating, Allstate ensures dependable coverage and stability for insuring Lincoln Town Cars. If you want to learn more about the company, head to our guide titled “Allstate Car Insurance Review.”

Cons

• Less Aggressive Discounts: The multi-policy discount provided by Allstate is less competitive compared to some other insurers, potentially affecting savings for Lincoln Town Car insurance.
• Potentially Higher Premiums: The personalized service through local agents might come with higher premiums, impacting the overall cost of Lincoln Town Car insurance.

#10 – Nationwide: Best for Flexible Policies

Pros

• Customizable Insurance Policies: Nationwide offers flexible policy options, allowing Lincoln Town Car drivers to tailor coverage to their individual needs.
• 15% Multi-Policy Savings: A 15% discount on bundled policies enhances the affordability of Lincoln Town Car insurance with Nationwide.
• Strong A+ Rating: Nationwide’s A+ rating guarantees financial stability and reliable coverage for those insuring Lincoln Town Cars. Discover insights in our article called “Nationwide Car Insurance Discounts.”

Cons

• Policy Complexity: The flexibility in Nationwide’s policy offerings can create complexity, making it more challenging for Lincoln Town Car drivers to select the optimal coverage.
• Higher Premium Costs: The customizable nature of policies might result in higher premiums, potentially affecting the overall cost of insuring Lincoln Town Cars.

Monthly Insurance Rates for Lincoln Town Cars by Coverage Level

When selecting insurance for a Lincoln Town Car, it’s crucial to understand how coverage levels impact monthly rates across different providers. The table below showcases the variation in insurance costs based on the type of coverage minimum or full offered by each company.

Lincoln Town Car Car Insurance Monthly Rates by Coverage Level & Provider

For Lincoln Town Car owners, the cost of minimum coverage varies significantly from provider to provider, ranging from a low of $60 with Progressive to a high of $99 with Geico.

Full coverage costs also show considerable differences, with Progressive offering the lowest rate at $132, while Nationwide presents the highest at $150. Learn more in our article called “Best Full Coverage Car Insurance.”

This range highlights the diverse pricing strategies employed by insurance companies, making it essential for drivers to compare options to find the best value for their specific needs.

Lincoln Town Car Insurance Cost

The average monthly cost of auto insurance for a Lincoln Town Car is approximately $110, which breaks down to about $111 per month. This figure represents a typical expenditure for maintaining insurance coverage for this vehicle, balancing the needs for comprehensive protection with the financial commitment required.

By understanding this average cost, owners can better budget for their insurance needs and explore various providers to find the best rates and coverage options that align with their financial and protection goals. See more details on our article called “Calculating Car Insurance Cost.”

Are Lincoln Town Cars Expensive to Insure

The provided chart compares insurance rates for the Lincoln Town Car with those of other luxury vehicles, including the Mercedes-Benz CLS 550, BMW M3, and Audi S7.

Lincoln Town Car Insurance Monthly Rates vs. Other Cars by Coverage Type

This comparison is essential for potential buyers and current owners, helping them evaluate whether the Lincoln Town Car is more or less expensive to insure than its luxury peers. Understanding these differences is key for making informed decisions about vehicle ownership.

Factors Affecting 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. More information is available about this provider in ourguide titled “Factors That Affect Car Insurance Rates.”

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.

Lincoln Town Car Insurance Monthly Rates by Model Year & Coverage Type

By analyzing the insurance rates across different model years, individuals can gauge how the age of their Lincoln Town Car influences their insurance expenses, potentially aiding in cost-effective planning and budgeting.

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.

This discrepancy highlights how age influences risk assessment and premium calculations in the insurance industry, emphasizing the financial impact of being a younger 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.

Location-driven factors like crime rates, traffic congestion, and accident statistics all contribute to these pricing differences.

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.

For younger drivers, especially teenagers and those in their 20s, even minor violations can lead to steep increases in insurance premiums, making clean records crucial for maintaining affordable rates.

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:

Lincoln Town Safety Ratings

These top-tier ratings reflect its solid protection in various crash scenarios, contributing to potentially lower insurance costs and providing reassurance of the vehicle’s reliability in safeguarding passengers.

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.

Lincoln Town Crash Test Ratings

This reliability in safety testing over the years makes it a solid choice for both safety-conscious drivers and those looking to save on insurance costs.

Lincoln Town Car Safety Features

Equipping your Lincoln Town Car with a range of safety features can significantly reduce your insurance premiums. The 2020 Lincoln Town Car boasts several safety enhancements, including a driver airbag, passenger airbag with an on/off switch, front side airbags, and a four-wheel ABS system.

These advanced safety measures contribute to a lower risk profile, which can lead to more affordable insurance rates.

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. Read up on the “What affects a car insurance quote?” for more information.

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 Lincolntown car.
• Make sure you use an accredited driver safety program.
• Spy on your teen driver.
• Reduce your coverage on an older Lincolntown car.

Saving on Lincoln Town Car insurance is crucial for maintaining affordability, especially for families or owners with higher premium costs. By utilizing discounts and adjusting coverage, you can significantly lower your expenses while still ensuring your vehicle is adequately protected.

Check out insurance savings in our complete guide titled “What Is a Car Insurance Premium?”

Top Lincoln Town Car Insurance Companies

The leading insurance providers for Lincoln Town Cars are renowned for their competitive pricing, which incorporates safety features and numerous discounts.

Top Car Insurance Company for Lincoln Town

State Farm tops the list with the highest market share, generating $66,153,063 in premiums, closely trailed by Geico and Progressive. Discover more about offerings in our guide titled “Do car insurance companies share information?”

These top carriers are preferred by Lincoln Town Car owners thanks to their significant market presence and customer-centric policies.

Comparing 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.

Available Options for Lincoln Town Car

Buyers of the Lincoln Town Car can opt for several premium features, including daytime running lamps, high-powered headlamps, 17-inch aluminum wheels, power locks, and power windows. Access comprehensive insights into our guide titled “Safety Features Car Insurance Discounts.”

For the 2010 model, the Limited series began at just under $47,000, while the L series was priced at just under $53,000.

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.

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. Unlock details in our guide titled “Does car insurance cover using the wrong fuel?”

Cost of Insuring a 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

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. Discover insights in our guide titled “Best Lincoln Car Insurance Rates.”

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

Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.