How cheap is car insurance for a Lincoln Town Car?

Lincoln Town Car insurance rates are $110/mo for the average owner, but you can get personalized estimates and find out what rates car insurance companies will offer you by entering your zip code below. Learn about Lincoln Town Car auto insurance coverage, car safety features, available discounts, and more with our free guide below.

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UPDATED: Nov 2, 2020

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Written By: Tonya SislerReviewed By: Brad LarsenUPDATED: Nov 2, 2020Fact Checked

Car insurance rates for the Lincoln Town Car are on the high end since the Town Car is a large luxury vehicle. However, you might find that your rates are significantly lower if you qualify for car insurance discounts like the multiple-policy discount, the homeownership discount, or the discount for having a safe driving record. Many companies also automatically lower your rates if you are married or if you have a clean credit history.

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On the flip side, car insurance companies typically raise your rates if you have a poor driving record or if you are a member of a high-risk demographic group. To find out what rates car insurance companies will offer you, you can type your zip code into the box on this page. If you’d like to find out how the Lincoln Town Car compares to other large luxury vehicles, though, read this article first.

Lincoln Town Car History

Ford, which owns Lincoln, introduced the Lincoln Town Car over half a century ago in 1959 as part of the Lincoln Continental lineup. The Lincoln Town Car did not become an independent line until 1981. Although the Lincoln Town Car is not particularly popular with auto industry reviewers or everyday consumers, it is still one of the best-selling luxury cars in North America due to its iconic status as a limousine. Other advantages of the Lincoln Town Car are its high safety ratings and quiet ride. It is also one of the only cars on the U.S. market that can be upgraded with bulletproofing.

In 2006, the Lincoln Town Car was on Ford’s chopping block because the Wixom, Michigan, plant at which it was assembled was shutting its doors. Instead of discontinuing the Lincoln Town Car, though, Ford opted to move production to a plant in Ontario, Canada, where it manufactures other large luxury vehicles like the Crown Victoria and the Grand Marquis.

Lincoln Town Car Trims

The two main trim levels for the Lincoln Town Car are the Signature Limited and the Signature L. The vehicle’s fuel economy is the same at both trim levels. It gets 16 mpg in the city and 24 mpg on the highway, which makes it less fuel efficient than most other large luxury cars like the Mercedes Benz E Class, the BMW 5 Series and the Audi A6. However, it is very competitive with the Jaguar XF and the #1-ranked Infiniti M in this respect.

Both the Lincoln Town Car Signature Limited and the Lincoln Town Car Signature L come very well-equipped. The Lincoln Town Car Signature Limited starts at $47,165, and comes standard with luxurious features like dual zone climate control, full-length armrests, a lockable glove box, a premium sound system and 8-way power seats. The Lincoln Town Car Signature L starts at $52,835, and it includes all of the features on the Signature Limited plus a rear-seat amenities package and heated rear seats. The Signature Limited only offers heated front seats.

Lincoln Town Car Performance

Although the Lincoln Town Car still has plenty of luxury cache, Edmunds says that it can’t hack it against newer luxury sedans in terms of performance. The large car’s 4.6 liter V8 engine gets 239 horsepower, compared to 303 horsepower for the 2010 Infiniti M’s V6 engine and 268 for the Mercedes-Benz E Class’ standard V6. The E Class’ optional V8 engine generates 382 horsepower. Consumer Guide’s reviewer felt the Lincoln Town Car’s acceleration was adequate, going from 0 to 60 in 9.5 seconds, but also felt that it was less powerful than competitors.

Consumer Guide also found that the Lincoln Town Car’s steering, handling and braking quality underperformed the competition, but it did give the Lincoln Town Car good marks for reasonably smooth ride quality and interior quietness. According to Edmunds, the Lincoln Town Car also stands out when it comes to cargo space with a “cavernous” trunk and a maximum cargo capacity of 21 cubic feet.

Lincoln Town Car Safety Features and Ratings

One area in which the Lincoln Town Car does excel is safety. The 2010 Lincoln Town Car earned five out of five stars in every crash test that the National Highway Traffic Safety Administration (NHTSA) performed on it, making it one of the safest cars on the road. The Insurance Institute for Highway Safety also gave it the highest possible rating for head-on collisions, but the Lincoln Town Car’s performance in rear-impact tests was its one weakness. It received a rating of “Marginal” in this category. Safety features that come standard on all Lincoln Town Cars include the following:

  • Antilock brakes
  • Ventilated disc brakes
  • Engine immobilizer
  • Traction control
  • Electronic brakeforce distribution
  • Tire pressure monitoring

Lincoln Town Car Reliability

Although more recent models do not yet have reliability ratings, J.D. Power and Associates gave the 2008 Lincoln Town Car a Predicted Reliability rating of seven out of ten possible points. The vehicle’s overall mechanical quality is expected to be quite good, but some wear is expected in the vehicle’s body and interior. Edmunds also gave the 2003-2007 Lincoln Town Car relatively high reliability ratings. The only exceptions were the engines in the 2003 and 2007 models, which experienced significant problems.

Auto Insurance for the Lincoln Town Car

The total cost of ownership for a Lincoln Town Car is almost $62,000 over the first five years, according to estimates from Edmunds. The majority of this cost comes from depreciation and fuel expenditures. Maintenance and repair costs are projected to be nearly $6,000 over five years. Car insurance for the Lincoln Town Car costs nearly $1,800 per year for the average owner, but you should enter your zip code in the box to get personalized estimates.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Written by Tonya Sisler
Insurance Writer Tonya Sisler

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

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