Lincoln Extended Warranty: Plans and Cost (2023)

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Rashawn Mitchner is a MarketWatch Guides team editor with over 10 years of experience covering personal finance, loans, insurance and warranty topics.

As one of Ford’s higher-end vehicle brands, Lincoln is known for its luxury and quality. However, every vehicle can experience mechanical issues, which means an extended warranty could be a smart idea to protect against unexpected repairs.

In this review, we at the MarketWatch Guides team take a look at what the Lincoln extended warranty covers, how much it costs and whether it’s worth purchasing after your factory warranty expires. We’ll also recommend some of the best extended auto warranty providers to consider alongside Lincoln.

Key Takeaways:

The MarketWatch Guides Team is committed to providing reliable information to help you make the best possible decision about a warranty for your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best extended car warranty companies. We collected data on dozens of auto warranty providers to grade the companies on a wide range of ranking factors. After 500 hours of research, the end result was an overall rating for each provider, with the companies that scored the most points topping the list.

Learn more about our methodology.

Lincoln extended warranties come in four coverage levels with terms up to 8 years/150,000 miles.

Here’s a look at what each plan covers:

To qualify for a Lincoln extended warranty plan, your vehicle must still be under the manufacturer’s warranty, which lasts four years or 50,000 miles. Depending on the coverage plan you choose, coverage terms range from 3 years/60,000 miles to 8 years/150,000 miles. You’ll also get to choose a $0, $50, $100 or $200 deductible.

Also, you can qualify for a warranty if you buy a certified pre-owned Lincoln. With CPO coverage, you extended Lincoln’s factory warranty for up to 6 years/100,000 miles. If you want longer coverage, select the PremiumCARE plan, which offers up to 8 years/150,000 miles of coverage. That said, if you plan to keep your vehicle past 150,000 miles, it makes more sense to consider a third-party provider, as some specialize in higher-mileage vehicles.

All extended auto warranty plans have exclusions. Here are some items Lincoln doesn’t cover:

A vehicle service contract from Lincoln comes with the following benefits:

Service plans from Lincoln range in cost from about $500 to $780 per year with terms up to five years, according to the Ford Motor Company. However, there are many factors that impact the cost of your warranty, such as the vehicle’s age, mileage and make and model, as well as the coverage level and deductible amount you choose.

You can get a free quote for extended car warranty coverage by visiting Lincoln’s website. Note that you’ll need your vehicle identification number (VIN) to get an accurate quote. You can find your vehicle’s VIN on your state’s registration, your car insurance declaration page or on the sticker inside the driver’s side door.

According to RepairPal, Lincoln earns a 3.0 out of 5.0 reliability rating, which earns it 24th place out of 32 vehicle brands. Taking all Lincoln models into consideration, RepairPal determined the average annual repair cost to be around $879, with 15% of all repairs being severe.

With Lincoln’s low reliability score and high average repair costs, a Lincoln extended warranty may be a wise option. It can help you save on unexpected repair costs when the need arises. RepairPal shares data on some of the most common repairs per model, which include:

It’s important to consider what coverage your vehicle already has when determining whether an extended warranty is worth it. New vehicle purchases include Lincoln’s factory warranty, which provides the following coverage:

If you decide to opt for an extended warranty, make sure to purchase coverage before your factory warranty expires. You can contact your Lincoln dealer or visit the Lincoln website for a quote.

If you’re considering an extended warranty for your Lincoln, it’s worth checking out vehicle service contracts from a third-party warranty provider as well. Many independent companies offer longer terms and a wider variety of coverage options than manufacturer extended warranties. Plus, you can purchase warranty coverage from a third party at any time — even after your factory warranty expires.

Here’s a breakdown of how Lincoln compares to third-party providers in terms of coverage options, terms and average yearly costs:

As you can see, Lincoln compares favorably to other extended auto warranty providers when it comes to cost. However, it offers more limited coverage terms and plan levels than third-party competitors.

If you’re looking for peace of mind that your Lincoln’s unexpected repair costs will be covered, a Lincoln extended warranty may be a good choice for you. With Lincoln’s low reliability ratings and higher average cost of repairs, extended coverage could end up saving you money in the case of a mechanical breakdown. However, it’s worth comparing your options with plans from third-party warranty companies as well to find the best cost and coverage to fit your needs.

Below are frequently asked questions about Lincoln extended warranties:

Factory warranty coverage on a new Lincoln covers bumper-to-bumper protection for the first four years or 50,000 miles, and its powertrain warranty pays for repairs to your Lincoln’s drivetrain, transmission and engine components for five years or 60,000 miles.

Yes, you can transfer your Lincoln warranty to the new owner if you choose to sell your vehicle. Coverage can also be canceled at any time.

Lincoln extended warranties exclude wear and tear components like your wiper blades, brake pads and air filters, as well as any routine maintenance services. It also won’t cover damage from the weather or car accidents.

*Data accurate at time of publication.

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