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LINCOLN Car Insurance

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Lincoln is Ford's luxury brand, known for spacious sedans and SUVs emphasizing comfort, quiet ride quality, and refined presentation. It targets North American buyers seeking a premium experience without the sporty image of European rivals.

LINCOLN CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for Lincoln vehicles fluctuate noticeably, moving from $1250 in 2021 to a peak of $1876 in 2022, then dropping to $1212 in 2023 before gradually climbing back to $1630 in 2026. This variability suggests sensitivity to repair costs and the specific models covered.

To find the best insurance for your LINCOLN vehicle, it is more important than ever to compare the available options.

How much does insurance for your LINCOLN cost in Quebec?

Premiums for Lincoln are highest in Montreal ($2871), Sherbrooke ($2082), and Saguenay ($2076), while Lévis ($1134) and Saint-Jean-sur-Richelieu ($1142) show the lowest amounts. The gap between the extremes exceeds $1700.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
BROSSARD $1943.31
DRUMMONDVILLE $1260.14
GATINEAU $1492.82
LAVAL $2050.51
LÉVIS $1012.81
LONGUEUIL $1396.94
MONTRÉAL $2782.69
QUÉBEC $1506.24
REPENTIGNY $1305.00
Saguenay $2076.04
SAINT-JEAN-SUR-RICHELIEU $1142.24
SAINT-JÉRÔME $1946.80
SHERBROOKE $2082.34
TERREBONNE $2001.21
TROIS-RIVIÈRES $1583.49

Frequently asked questions (FAQ)

How much does auto insurance cost for a Lincoln?
The average premium for a Lincoln vehicle reached $1630 in 2026, after varying between $1212 and $1876 since 2021 depending on the year.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why did Lincoln premiums vary so much between 2021 and 2026?
The fluctuations, such as the rise to $1876 in 2022 followed by a drop to $1212 in 2023, likely reflect changes in the insured models and their associated repair costs.
Which cities offer the lowest insurance costs for a Lincoln?
Based on the data provided, Lévis ($1134) and Saint-Jean-sur-Richelieu ($1142) post the lowest average premiums for Lincoln vehicles.
Why does Montreal show the highest premium for Lincoln?
With an average premium of $2871, Montreal stands out clearly from other cities, likely due to urban density and higher claim frequency in metropolitan areas.
Do Lincoln vehicles require special coverage?
No special coverage is legally required in Quebec, but many owners add replacement-value protection given the brand's premium positioning.
How can I get a better price to insure a Lincoln?
Comparing quotes from several insurers remains the most effective approach, as differences can be significant between cities as shown in the available data.

Offers received by our customers on LINCOLN cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 08/14/2026