Lincoln MKC Insurance Rates

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UPDATED: Apr 14, 2024

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U.S. average insurance prices for a Lincoln MKC are $1,334 every 12 months with full coverage. Comprehensive insurance costs approximately $250 each year, collision costs $470, and liability insurance is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing $2,900 or more. Teens pay the highest rates at $5,118 a year or more.

Average premium for full coverage: $1,334

Price estimates by individual coverage:

Comprehensive $250
Collision $470
Liability $456

Prices include $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and MKC models.

Price Range from Low to High

For an average driver, Lincoln MKC insurance prices go from the cheapest price of $508 for just liability insurance to a high rate of $2,900 for a high-risk driver policy.

Liability Only $508
Full Coverage $1,334
High Risk $2,900

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have more infrequent collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

The ranges above demonstrate why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below details estimated Lincoln MKC insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $769
  • Raising to $1,000 deductibles will save $164 annually
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,334
  • Selecting low deductibles costs an extra $318 a year
  • Higher-risk drivers with serious driving violations could pay around $2,900 or more
  • The price to insure a teen driver can cost $5,118

View Chart as Image

Lincoln MKC insurance cost comparison chart
Column chart showing full coverage Lincoln MKC insurance prices range from $769 to $5,118

Auto insurance prices for a Lincoln MKC are also quite variable based on deductibles and policy limits, your driving record, and the model of your MKC.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $490 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Lincoln MKC insurance rates. A middle-age driver might find prices as low as $960 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,800 on average in New York, Michigan, and Florida.

Lincoln MKC Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,206 -$128 -9.6%
Alaska $1,024 -$310 -23.2%
Arizona $1,108 -$226 -16.9%
Arkansas $1,334 -$0 0.0%
California $1,520 $186 13.9%
Colorado $1,274 -$60 -4.5%
Connecticut $1,370 $36 2.7%
Delaware $1,510 $176 13.2%
Florida $1,670 $336 25.2%
Georgia $1,230 -$104 -7.8%
Hawaii $960 -$374 -28.0%
Idaho $902 -$432 -32.4%
Illinois $994 -$340 -25.5%
Indiana $1,004 -$330 -24.7%
Iowa $900 -$434 -32.5%
Kansas $1,266 -$68 -5.1%
Kentucky $1,820 $486 36.4%
Louisiana $1,974 $640 48.0%
Maine $824 -$510 -38.2%
Maryland $1,100 -$234 -17.5%
Massachusetts $1,068 -$266 -19.9%
Michigan $2,318 $984 73.8%
Minnesota $1,116 -$218 -16.3%
Mississippi $1,598 $264 19.8%
Missouri $1,184 -$150 -11.2%
Montana $1,434 $100 7.5%
Nebraska $1,050 -$284 -21.3%
Nevada $1,600 $266 19.9%
New Hampshire $960 -$374 -28.0%
New Jersey $1,490 $156 11.7%
New Mexico $1,180 -$154 -11.5%
New York $1,404 $70 5.2%
North Carolina $768 -$566 -42.4%
North Dakota $1,090 -$244 -18.3%
Ohio $920 -$414 -31.0%
Oklahoma $1,370 $36 2.7%
Oregon $1,220 -$114 -8.5%
Pennsylvania $1,272 -$62 -4.6%
Rhode Island $1,778 $444 33.3%
South Carolina $1,208 -$126 -9.4%
South Dakota $1,124 -$210 -15.7%
Tennessee $1,168 -$166 -12.4%
Texas $1,606 $272 20.4%
Utah $988 -$346 -25.9%
Vermont $914 -$420 -31.5%
Virginia $800 -$534 -40.0%
Washington $1,030 -$304 -22.8%
West Virginia $1,222 -$112 -8.4%
Wisconsin $924 -$410 -30.7%
Wyoming $1,188 -$146 -10.9%

View Chart as Image

Lincoln MKC insurance rates by U.S. city

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices may be quite different.

Lincoln MKC Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKC $260 $500 $452 $1,370
2019 Lincoln MKC $250 $470 $456 $1,334
2018 Lincoln MKC $240 $422 $460 $1,280
2017 Lincoln MKC $224 $388 $460 $1,230
2016 Lincoln MKC $216 $364 $464 $1,202
2015 Lincoln MKC $210 $340 $474 $1,182

Rates are averaged for all Lincoln MKC models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Right Lincoln MKC Insurance

Getting lower rates on Lincoln MKC insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick rundown of the information covered in the above illustrations.

  • You may be able to save around $160 per year simply by quoting online in advance
  • Drivers age 20 and younger have the highest car insurance prices, costing up to $427 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles could save as much as $475 each year
  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,570 more per year to buy Lincoln MKC insurance
  • Drivers who purchase increased levels of liability coverage will pay approximately $500 every year to raise from a low limit to a 250/500 level

Rates by Driver Age

Lincoln MKC Insurance Rates by Driver Age
Driver Age Premium
16 $5,118
20 $3,096
30 $1,380
40 $1,334
50 $1,220
60 $1,196

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,652
$250 $1,502
$500 $1,334
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKC Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,425
100/300 $1,539
250/500 $1,836
100 CSL $1,471
300 CSL $1,722
500 CSL $1,904

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKC Insurance Rates for High Risk Drivers
Age Premium
16 $7,286
20 $4,934
30 $2,950
40 $2,900
50 $2,770
60 $2,746

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $87
Paid in Full/EFT $59
Advance Quote $65
Online Quote $94
Total Discounts $565
Rate after discounts $769

Discounts are estimated and may not be available from every company or in every state.

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