Lincoln Motor Company Insure | Behavior Based Insurance |


Turn every journey into an opportunity to save.


With Lincoln Motor Company Insure, you can earn discounts that could potentially reduce your insurance premium, starting with your 2020 model-year Lincoln.** Utilizing the Lincoln Way™ App, your Lincoln vehicle can gather data related to your driving performance in order to calculate a maximum insurance discount of 40%.

Lincoln Motor Company Insure is underwritten by Nationwide® and created around your lifestyle to deliver the responsive, intelligent insurance you deserve as the driver of a premium luxury vehicle.


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Lincoln Motor Company Insure automatically offers you a 10% discount with a potential long-term maximum savings of 40% at renewal, based on your driving performance†† . You can potentially enjoy additional savings for bundling other vehicles and your home into your Lincoln Motor Company Insure portfolio.
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Unlike most other user-based insurance programs, Lincoln Motor Company Insure utilizes Lincoln Connect™ technology instead of a plug-in device and conducts a one-time evaluation over a four-to-six-month period. If you’re not satisfied with your initial evaluation, you can request a do-over by calling 1-833-797-LINC .
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Your experience is made seamless through the Lincoln Way™ App, where you can get a quote and bind your insurance policy. After setup, the Nationwide SmartRide® portal provides real-time, personalized feedback on the discount you’re on trend to earn and how you can continue to help improve your driving performance.
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You can select repairs from the Lincoln Certified Collision Network, which provides access to trusted Lincoln parts and expertise.‡‡ With a repair program backed by Lincoln Motor Company, and insurance powered by Nationwide, you can be confident you’ll get luxury service. 


1. Download the Lincoln Way App to get a quote. Verify coverage is offered in your state, load your 2020 model-year Lincoln vehicle into your garage, activate Lincoln Connect and locate the Lincoln Motor Company Insure tile to get started.


2. Purchase your policy and immediately receive a 10% discount. You’ll then begin data sharing to calculate your final driving behavior discount.  


3. Let Lincoln Connect gather your driving data and track your progress in the Nationwide SmartRide portal. The portal will also provide feedback on your performance.


4. Receive your final discount for your next policy. At the end of the four-to-six-month data collection period, you’ll be notified of your earned discount, with a maximum of 40%.


Your discount will be calculated based on certain driving trends. Stay aware of the driving patterns that are measured, shown below, can help you maximize your discount.
A Lincoln Aviator is being driven through a desert highway during the day



Statistics show that, on average, the more miles driven, the higher the chances of an accident.

A man is walking in front of a white Lincoln vehicle that is stopped to allow him to cross


Safe drivers rarely stop suddenly or abruptly slow down in excess of 7.7 mph per second.
A Lincoln M K Z is stopped at a light in heavy traffic as the red brake lights and traffic light illuminate brightly in the night



Driving in stop-and-go traffic is riskier than in steady-flowing traffic.

The front end of a Lincoln vehicle shows illuminated headlights and a turn signal that shines bright in the night



Driving between midnight and 5 a.m. increases your chances of having an accident.


You can reach a Lincoln Motor Company Insure representative at 1-833-797-LINC  8 a.m. - 9 p.m EST M-F or visit us on the Lincoln Way App.


Lincoln Motor Company Insure is now available in all the following states on eligible 2020 model-year vehicles:** Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Maine, Maryland, Minnesota, Mississippi, Missouri, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Vermont, Virginia, Washington, Washington, D.C. and West Virginia

A woman is sitting and discussing business with a service representative in a beautifully appointed meeting room inside a Lincoln Dealership



You can submit an insurance claim with Nationwide through the following link or by calling 1-833-797-LINC .


*American Road Services Company LLC is the licensed insurance agency supporting Ford and Lincoln Insurance programs. Ford Motor Company and Ford Motor Credit Company LLC are not insurance companies or agents. Lincoln Motor Company Insure is underwritten by Nationwide Mutual Insurance Company and affiliates. Home Office: Columbus, OH. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states.


**Lincoln Motor Company Insure is currently available with 2020 Lincoln Aviator, 2020 Lincoln Corsair and 2019 MKZ Hybrid models. More Lincoln vehicles will be added to this program.


The Lincoln Way App, compatible with select smartphone platforms, is available via download. Message and data rates may apply.


††Availability varies; program criteria differ in California. Stated discounts are approximations. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. The enrollment discount applies during data collection; the final discount is calculated according to driving behavior and could be zero. The final discount applies at the next policy renewal and is subject to change based on actuarial support at subsequent renewals or with changes in drivers or vehicles on the policy.


Lincoln Connect, (standard on select vehicles), the Lincoln Way App, and Lincoln Connect Service are required for remote features (see Lincoln Way Terms for details). Connected Service is now complimentary for remote features, excluding Wi-Fi hotspot. Connected service and features depend on compatible AT&T network availability. Evolving technology/cellular networks/vehicle capability may limit functionality and prevent operation of connected features.


‡‡Original equipment parts endorsement is optional. Terms, conditions, and limitations apply


Nationwide, the Nationwide N and Eagle, Nationwide is on your side, and SmartRide are service marks of Nationwide Mutual Insurance Company.