How much is auto insurance for a Lincoln Town Car?
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UPDATED: Jun 17, 2019
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The Lincoln Town Car is a full-size luxury sedan that offers generous leg room and cargo space, and can seat six.
According to reviewers like Edmunds, though, that’s where its attributes end. The Lincoln Town Car is a niche sedan that is mainly used as a chauffeured vehicle. Rear-seat passengers will enjoy plenty of leg room, but the Town Car doesn’t offer powerful acceleration, a smooth ride or exciting tech gadgets.
Read on for average auto insurance rate info for the 2011 Lincoln Town Car, or type your zip code in now to compare auto insurance quotes!
Lincoln Town Car Auto Insurance
The National Automobile Dealers Association (NADA) expects that 2011 Town Car Signature Limited owners will owe about $5,740 for car insurance over the initial five years they drive their vehicles.
That’s just under $1,150 a year, and $96 per month. Auto insurance rates for the Town Car Signature L, which is the deluxe trim, are just a few hundred dollars higher over five years, at $5,909. That translates to slightly more than $1,180 per year, or $98 per month.
In comparison to similar models the cost of auto insurance for the Lincoln Town car is quite reasonable. To insure a Hyundai Genesis, owners can expect to pay closer to $6,850 after five years, which is over $1,000 more than what Town Car owners will pay.
Auto insurance rates for the Toyota Avalon are $5,763, which is in line with what Town Car owners owe, while rates for the more upscale Chrysler 300C top $8,000 over five years.
Repairs for the Lincoln Town Car
According to the NADA, the average Lincoln Town car owner doesn’t pay out of pocket for repair costs until the fourth year they own the car.
At this point, they’ll owe about $734, and the fifth-year bill is projected to be just over $1,100. This totals up to a 5-year repair bill of $1,835. This estimate is nearly identical to that for the Chrysler 300C, but it’s higher than the anticipated repair bills for both the Toyota Avalon and the Hyundai Genesis.
Owners of these vehicles are expected to pay $1,500 and $1,627 over five years, respectively.
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Lincoln Town Car Maintenance Costs
The total projected cost of maintaining a Lincoln Town Car for five years will be $1,325, the NADA predicts. There will be no routine maintenance bills until the third year, when the typical owner will pay about $632.
The car’s annual maintenance costs will increase to $454 during year four, and fall back to $238 in year five.
Compared to those for similar vehicles, the 2011 Town Car’s estimated maintenance costs are low. The NADA projects 5-year routine maintenance costs of $3,000 for the Genesis, and it expects that Chrysler 300C owners will pay $2,590 for five years’ worth of scheduled maintenance.
Expected maintenance costs for the 2011 Avalon are $1,979.
Lincoln Town Car Pricing and Performance
The Lincoln Town Car is available in two trim levels, the Signature Limited and the Signature L. The former starts at $47,225, and the latter’s entry level price is $52,895.
Both models incorporate identical performance features, like all-speed traction control, rear-wheel drive, and flex fuel capability. Purchasing the Signature L adds an additional six inches to the wheelbase, which translates into even more generous rear legroom.
Standard wheels are 17-inch aluminum with 10 spokes, but buyers can upgrade to 18-spoke wheels for an additional charge. All-season tires are standard.
The 2011 Town Car is powered by a 4.6 liter V8 engine and a 4-speed automatic transmission. Edmunds describes the Town Car’s handling as “lackluster” and its acceleration as “leisurely.” Its ride quality is described as “nautical.” Its outdated transmission delivers poor fuel economy, too, at 16 city miles per gallon and 24 highway miles per gallon.
Lincoln Town Car Interior Features
Just as the Town Car’s performance is behind the times, so is its interior, Edmunds says. While competitors offer high-tech gadgetry like hard drives for music storage and satellite navigation systems, the Town Car’s most impressive electronic amenity is a 6-disc CD changer.
Owners who opt for the Town Car Signature L enjoy a rear-seat amenities package that allows backseat passengers to control the car’s temperature and audio functions.
While the Town Car’s technology features are behind the curve, reviewers say that it does offer modern seating features like driver seat memory and 8-way adjustable heated seats for the driver and front passenger.
The Signature L has heated rear seats, but this option isn’t available in the Signature Limited. Additional standard features in both the Town Car Signature Limited and Signature L include the following:
- Steering wheel-mounted controls
- Illuminated, locking glove box
- Digital speedometer
- Trunk organizer
Lincoln Town Car Safety Ratings and Features
The 2011 Lincoln Town Car hasn’t undergone any safety testing by the government’s National Highway Traffic Safety Administration yet, but the Insurance Institute for Highway Safety has conducted a few tests.
The Lincoln Town Car earned the highest possible score of “Good” in frontal impact crash tests, but it only received a rating of “Marginal” for its performance in rear crash testing. This is equivalent to a score of two on a 4-point scale.
In addition to electronic traction control and dynamic stability control, the 2011 Lincoln Town Car is equipped with anti-lock brakes, cornering lights, and tire pressure monitoring.
Although it features adjustable headrests, they don’t have the active head restraint feature that many upscale vehicles possess. This safety feature protects against whiplash in rear collisions, and Lincoln’s failure to include it as a standard feature on the 2011 Town Car may have contributed to the vehicle’s low rear impact crash test score.