Lincoln Town Car Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lincoln Town Car is more affordable to insure compared to the average car.
• Full coverage car insurance for a Town Car tends to be about $141 monthly, on average, while liability only insurance generally runs around $74 a month.
• Hugo is the cheapest auto insurance company for a Town Car with a national average of just $39 per month for liability only coverage.

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Town Car Overview

The Lincoln Town Car is a high-end vehicle that is more expensive than your average car, with base prices starting at $47,225 for 2011 models. With three different trim levels currently available, you'll be sure to find an option to fit your style.

We sifted through thousands of insurance quotes on Compare.com, and we've found that Lincoln Town Car car insurance premiums run about $110 a month, on average. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Lincoln Town Car?

If you look at the table above, you'll find that Lincoln Town Car insurance prices are cheaper than average compared to other vehicles. On average, Town Car drivers can expect to pay around $74 monthly for liability insurance, and about $141 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When you compare it to other Lincoln models, the Town Car is cheaper, with rates around 10% lower than the rest of the company's vehicle lineup. Similarly, compared to other vehicles of a similar body style, Town Car coverage is lower than average, with both liability only and full coverage insurance averaging less expensive premiums than other cars.

They're also more affordable to insure than the average vehicle overall, regardless of body style, model, or make.

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Who has the Cheapest Car Insurance for a Lincoln Town Car?

If you're looking for a car insurance policy for a Lincoln Town Car, you're likely wondering which carrier offers the most affordable premiums. While there will never be one company that offers the most affordable rates for everyone, Shelter Mutual has the lowest average rates for liability only coverage, with rates as little as just $20 per month. The next cheapest carrier is Encompass, who offers insurance as little as $32 monthly.

Rounding out the list are Hugo, Pronto, and AssuranceAmerica. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lincoln Town Car.

Car insurance companies take a variety of different factors into consideration when calculating monthly rates. The only way to guarantee you find the most affordable rates is to compare quotes from a variety of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Lincoln Town Car?

As we mentioned above, there are lots of things that car insurance companies examine to choose how much they charge you -- and each company weighs different factors more heavily than others, so there's not a singular carrier that's the lowest for every driver.

Below are just a few of the variables insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Lincoln Town Car has been around for a while, so vehicle age may make a big difference in what you end up paying for auto insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

A new Lincoln Town Car model hasn't been added to the market for over 5 years, so the Town Car won't really fit this trend. However, as you can see in the table above, the cheapest Lincoln Town Cars to insure are those that are 6 to 7 years old, while the most expensive models are Town Cars that are 8 to 10 years old, on average.

Your Age

Your age is another factor that makes a difference in how much car insurance companies will charge. Based on the information in the table above, younger drivers pay more expensive prices compared to those who have more experience on the road. In this case, drivers under 18 pay $67 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group for Town Car drivers being 55-64.

Your Gender

You may not know, but auto insurance is normally more expensive for men than for women. This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim. When it comes to Town Car drivers specifically, women pay about 10% less than men per month for insurance.

Where You Live

It may be obvious that factors such as how old you are and what vehicle you drive play a role in your auto insurance rates, but did you know that where you live can be equally important? Because car insurance is regulated at the state level, premiums fluctuate quite a bit from state to state.

For example, the average Lincoln Town Car driver in New York pays around $172 a month for liability coverage. Meanwhile, on average, the same owner in California will pay less than half of that price. The table above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

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Lincoln Town Car Car Insurance Discounts

Regardless of your age, your home state, or your car, using as many discounts as possible when it comes to your insurance policy is always a good idea.

While no two car insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same company
• Pay-in-full discounts for agreeing to pay your entire policy price up front, rather than in monthly installments

But these aren't the only discounts auto insurance companies offer to their customers. Some of the best ways to save are just by having a positive insurance profile and good driving history.

Even though you may not have control of every variable insurance carriers look at to calculate rates (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use in your favor when it comes to saving cash:

Your Driving Record

You've most likely noticed ads from car insurance companies posting hefty savings for good drivers. It should be no surprise that if you get into an accident or get a speeding ticket, insurance prices will go up. But you're probably wondering exactly how much these infractions can cost you.

You can tell from the table above that accidents will usually cost Town Car drivers more than tickets, but both will result in higher than average rates. Lincoln Town Car drivers with a single ticket will pay an average of $79 monthly, while drivers with one accident on their record pay about $93 each month (up $19 from the $74/mo. overall average). Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that affects your auto insurance premiums is the amount of miles you drive each year. Those who drive less are more likely to go accident-free, so they'll typically get more affordable prices. Based on the table above, you can see that Lincoln Town Car owners who drive fewer than 2,500 miles per year pay about $71 per month for insurance, while those who put 10,000 miles or more on their cars pay $77.

If you work from home or drive less often than the average driver, it may be worth learning about pay-per-mile or usage-based car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Lincoln Town Cars Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Lincoln Town Car is on your shortlist, it can pay off to do your due diligence. Insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering carefully.

Take a look at the table below to see how the Lincoln Town Car stacks up:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Lincoln Town Car is more expensive than average. While the average vehicle MSRP in the U.S. is $35,020, the Town Car comes in above that at $47,225. A used Town Car will be even less expensive, since there hasn't been a new model on the market recently.

Unlike the Town Car's higher price, auto insurance rates run right about average when compared to the rest of the vehicle market. Liability insurance for a Lincoln Town Car is about $2 per month less than average, while full coverage is $4 less monthly.

When it comes to usage, Lincoln Town Car drivers are near the national average in annual miles driven, with 10,727 miles a year compared to 11,617 for all vehicles.

Lincoln Town Car Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on how much the average driver pays to insure a Lincoln Town Car. But if you're considering purchasing a new Town Car, having a good idea of how much you'll likely pay is extremely valuable as you weigh your choices.

Choose Your Model

2011 Lincoln Town Car Car Insurance 2010 Lincoln Town Car Car Insurance 2009 Lincoln Town Car Car Insurance 2008 Lincoln Town Car Car Insurance 2007 Lincoln Town Car Car Insurance 2006 Lincoln Town Car Car Insurance 2005 Lincoln Town Car Car Insurance 2004 Lincoln Town Car Car Insurance 2003 Lincoln Town Car Car Insurance 2002 Lincoln Town Car Car Insurance 2001 Lincoln Town Car Car Insurance 2000 Lincoln Town Car Car Insurance 1999 Lincoln Town Car Car Insurance

2011 Lincoln Town Car Car Insurance

On average, drivers who own a 2011 Lincoln Town Car can expect to pay $79 to $165 a month for liability only and full coverage auto insurance, respectively.

CarnegieGeneral has premiums sometimes as cheap as $31 monthly for the 2011 Lincoln Town Car.

Want something more accurate than national averages? Just enter your ZIP code below to get lots of free customized quotes.

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2010 Lincoln Town Car Car Insurance

It costs around $86 per month for liability or $182 for a full coverage policy for the 2010 Town Car.

With rates as cheap as just $34 a month, Mile Auto offered the lowest policy we found for the 2010 Lincoln Town Car.

If you're looking for a more exact figure on what you should pay for insurance for a 2010 Lincoln Town Car, you can get free quotes in minutes by just entering your ZIP code below.

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2009 Lincoln Town Car Car Insurance

2009 Lincoln Town Car drivers can expect to pay an average of $102 per month for liability or $127 for full coverage.

With premiums as low as $29 a month, Mercury offered the most affordable policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2008 Lincoln Town Car Car Insurance

The average cost to insure a 2008 Town Car with liability only coverage is $89 monthly, while full coverage runs about $134 per month.

MetLife offered the lowest policy we found, with rates as cheap as $23 monthly.

Want to know just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a wide array of personalized quotes from the nation's top insurance carriers.

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2007 Lincoln Town Car Car Insurance

You can expect full coverage for a 2007 Lincoln Town Car to run around $143 a month, while liability only coverage will average about $75 per month.

We found Infinity offered the cheapest policy, with rates sometimes as little as $22 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2006 Lincoln Town Car Car Insurance

2006 Town Car drivers can expect to pay an average of $75 a month for liability or $157 for full coverage.

If you're looking for the cheapest possible 2006 Lincoln Town Car insurance policy, Shelter Mutual offered the most affordable policy we found, with rates as low as just $20 per month.

While these are good estimates of what the average driver might pay to insure a 2006 Lincoln Town Car, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2005 Lincoln Town Car Car Insurance

On average, drivers who own a 2005 Lincoln Town Car can expect to pay $76 to $178 a month for liability only and full coverage car insurance, respectively.

Looking for the cheapest policy? Dairyland offered liability only coverage for sometimes as low as $19 monthly.

Interested in exactly how much you'll pay? Get several free personalized quotes by just entering your ZIP code below.

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2004 Lincoln Town Car Car Insurance

It costs around $77 per month for liability or $158 for a full coverage policy for the 2004 Town Car.

With prices as cheap as $21 monthly, Mercury offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your Town Car, just enter your ZIP code below and get several free quotes in minutes.

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2003 Lincoln Town Car Car Insurance

You can expect full coverage for a 2003 Lincoln Town Car to run about $139 a month, while liability only coverage will average around $75 per month.

Looking for the most affordable policy? USAA offered liability only coverage for sometimes as low as $17 monthly.

If you want to know exactly how much you can expect to pay for your Town Car, just enter your ZIP code below and get free quotes in minutes.

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2002 Lincoln Town Car Car Insurance

The average cost to insure a 2002 Town Car with liability only coverage is $72 a month, while full coverage runs about $111 per month.

If you're looking for the most affordable 2002 Lincoln Town Car insurance policy, The Hartford offered the cheapest policy we found, with rates as little as just $25 a month.

Want something more accurate than nationwide averages? Get multiple customized quotes for free by just entering your ZIP code below.

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2001 Lincoln Town Car Car Insurance

On average, drivers who own a 2001 Lincoln Town Car can expect to pay $72 to $142 monthly for liability only and full coverage insurance, respectively.

StateAuto has premiums as cheap as just $19 a month for the 2001 Lincoln Town Car.

While these are good estimates of what the average driver might pay to insure a 2001 Lincoln Town Car, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2000 Lincoln Town Car Car Insurance

It costs around $74 per month for liability or $114 for a full coverage policy for the 2000 Town Car.

Liberty Mutual offered the most affordable policy we found, with rates sometimes as little as $19 monthly.

These average rates are a great starting point if you're in the market for a 2000 Lincoln Town Car, but there are lots of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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1999 Lincoln Town Car Car Insurance

The average cost to insure a 1999 Lincoln Town Car with liability only coverage is $75 per month, while full coverage runs about $126 a month.

With premiums sometimes as cheap as $18 monthly, MetroMile offered the lowest policy we found for the 1999 Lincoln Town Car.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get a variety of customized quotes for free.

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Lincoln Town Car Insurance FAQs

Is a Lincoln Town Car expensive to insure?

Compared to the national average of all cars, prices come in on the cheaper end of the spectrum. Liability insurance runs an average of $74 per month, while full coverage will cost you around $141.

How can I get the best price on car insurance for my Lincoln Town Car?

There's only one way to be confident you're getting the most affordable rates -- regularly shopping around and comparing quotes from numerous companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lincoln Town Car affect my insurance premiums?

You may have heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. There are a bunch of variables auto insurance companies consider when they calculate how much your policy will be, but the color of your car is not used to make that determination.

Do I need to have insurance before I buy a Lincoln Town Car?

You'll need to have valid car insurance for your Lincoln Town Car before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your insurance carrier know before you buy.

What car insurance discounts can I get for my Lincoln Town Car?

You will find several different discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your Town Car has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to contact your insurance company and ask about which discounts they offer.