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HomeAuto Insurance By Car BrandLincoln Car Insurance: Cost & Quotes Comparison

Things to Know About Insuring Lincoln Vehicles

Lincoln Summary

  • Founded in 1917, Lincoln has been a Ford division since 1922.
  • The brand serves as Ford’s luxury car marque, as it has since the earliest days.
  • Lincoln models offer average to better than average occupant protection across its range.
  • Though many models cost more to repair after collisions, typical of luxury cars, about half of Lincoln’s line performs average or better than average for this measurable.
  • Comprehensive insurance claims display the same pattern as collision claims. Half of Lincoln’s vehicles come in at or below national averages for settlement costs.

How Much Does Car Insurance Cost For Lincoln

Lincoln Mkz Grill

The average cost of car insurance for Lincoln is $1,015 in Canada. It’s $84 per month.

The table below shows the Lincoln car insurance cost for a sample driver.

CityAverage Lincoln Car Insurance Cost*
Quebec City$458
Richmond Hill$1,174

Methodology: We surveyed Lincoln car insurance prices in select Canadian cities for the purpose of illustrating the average quotes for a male driver aged 35 years in the city downtown with an owned Lincoln MKC 4DR AWD 2015 model car.

Please note that car insurance prices depend on many factors including your age, location, driving history, and more. So, to get a customized quote, enter your postal code above.

Tips for Finding the Lowest Lincoln Car Insurance Rates

Classic Car Lincoln

Sorting through the volume of car insurance providers in Ontario has never been easier. Ratelab’s car insurance calculator connects you with over 40 car insurance companies in a single step. Making sense of Lincoln’s accident claims statistics isn’t difficult at all when you use the Ratelab calculator. You enter your information once. Then the calculator shops your needs with our industry partners.

If Company A charges more for collision for Lincolns, but Company B charges more for comprehensive, it no longer matters to you, since you need only look at the bottom line offered by the estimates returned to you. It’s even possible to make a better deal by discussing what’s right for you with your agent or broker.

List of All Lincoln Models

Lincoln Mark LT
Lincoln MKC
Lincoln MKS
Lincoln MKT
Lincoln MKX
Lincoln MKZ
Lincoln MKZ Hybrid
Lincoln Navigator
Lincoln Town Car

Lincoln Model Factors that Lower Auto Insurance Costs

Luxury car manufacturers usually perform well when it comes to protecting the driver and passengers after an accident. In Canada, insurance companies rely on statistical data provided by the Insurance Bureau of Canada that the insurers themselves submit about accident claims.

Analyzing this data gives indications of how cars perform in several insurance categories. Occupant protection shows when a car model’s frequency of accident benefits claims gets compared to national averages. Those cars with fewer accident benefit claims than average better protect those in the vehicle and thus become favorable to insure under Ontario’s mandatory insurance coverage.

In this regard, Lincoln performs well. No model has more claims than average. Slightly more than half of Lincoln’s vehicles have fewer claims, indicating greater occupant safety. In particular, the Lincoln Aviator, Mark LT, MKS, MKT, MKX, and Navigator all show above-average trends, indicating lower costs for basic insurance.

Luxury cars typically feature higher than average repair costs after collisions, due to premium materials and repair techniques. Lincoln outperforms most luxury vehicles, with fully half of its models placing in the average or below average range for the cost of collision claims. There is no pattern to the models or model years that perform well.

The same tendency applies to comprehensive insurance claims as well. In fact, more models perform above average in this category. The Lincoln Navigator, however, has no model years placing in average or better performance. While overall, Lincolns should cost less to insure, the Navigator will not.

Lincoln Model Factors that Increase Auto Insurance Costs

Lincoln Mkz

Though Lincolns do perform well compared with other luxury brands, still half of the models listed in TBC statistics do cost more to settle collision and comprehensive claims. Since the incidences scatter across various years and models, the benefits of the models that perform well are hard to pinpoint.

In Ontario, auto insurance operates in a competitive market. While all insurance providers must obtain approval from the Financial Services Commission of Ontario for rates and procedures, they are not held to a single way of calculating these. Each insurer uses its own ‘secret formula’ to calculate rates. So, when it comes to Lincoln vehicles, the IBC statistical data may weigh more or less heavily in policy calculations, depending on which insurance company does the computing.

Collision and comprehensive coverage are both optional in Ontario. These classes aren’t required under the mandatory policy needed to register, license, and drive a vehicle. A motorist may be required to carry collision and comprehensive insurance at the request of a bank or other lending agency if the car’s purchase is financed. Otherwise, if a driver wants to take on complete responsibility for repair, loss, or replacement after an incident, they can forgo adding collision and comprehensive coverage.

Other optional coverage can also increase policy costs. Auto insurance reform is in the news in Ontario in 2016. In June, changes to the accident benefits portion of the province’s statutory policy meant that some combinations of benefits were reduced by as much as $1 million in some circumstances. Growing more popular because of that is an option to extend benefits coverage to its previous level. Similarly, basic third-party liability requires only $200,000 of coverage for the legal operation of a vehicle. However, this amount may not cover the settlement of a lawsuit arising from an at-fault accident. Additional liability coverage is a prudent purchase that most drivers make. While it provides more realistic protection, it does increase the total car insurance bill.

Known Issues with Lincoln Vehicles

fuel pump issue

Lincoln vehicles, as well as those of most manufacturers, are involved in the Takata airbag recall, the largest automotive recall in history. Car and Driver provides a thorough guide, detailing everything a motorist needs to know about the recall.

  • 2015 Lincoln MKC SUVs have a potential fuel pump issue that causes stalling.
  • The 2015 MKC has a recall addressing the pushbutton start position and another due to bubbles in the windshields.
  • 2015 Lincoln MKS models have a potential fuel leak issue.
  • 2010 to 2013 MKS models have a door handle problem.
  • 2013 MKS versions may have a faulty child safety latch on rear doors.
  • The 2012 MKS could have a fuel tank issue.
  • 2009 and 2010 Lincoln MKX SUVs have a corrosion issue that may present a fire risk.
  • 2016 MKZ sedans may have a fuel tank issue.
  • 2015 MKZ models require bolt replacements to prevent steering problems.
  • MKZ models from 2015 also require a parking lamp change.

Lincoln Crash Test

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