Lincoln MKC Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance rates for a Lincoln MKC are $1,370 a year including full coverage. Comprehensive costs approximately $260 each year, collision insurance costs $500, and liability coverage costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs around $2,978. 16-year-old drivers cost the most to insure at up to $5,226 a year.
Average premium for full coverage: $1,370
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and MKC models.
Price Range Variability
For the normal driver, Lincoln MKC insurance rates range from as low as $504 for minimum levels of liability insurance to a high rate of $2,978 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how geographic area affects auto insurance prices.
The examples above highlight why all drivers should compare rates using their specific location and risk profile, rather than using rate averages.
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.
Additional Rate Details
The chart below breaks down average Lincoln MKC insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $787
- Drivers who choose higher $1,000 deductibles will pay $172 every year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,370
- Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,704
- High-risk insureds with multiple tickets or accidents could pay around $2,978
- Policy cost for full coverage for a teenage driver can cost $5,226 a year
Car insurance rates for a Lincoln MKC also range considerably based on your risk profile, the model of your MKC, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age
Your home state makes a big difference in Lincoln MKC insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,950 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,238 | -$132 | -9.6% |
| Alaska | $1,050 | -$320 | -23.4% |
| Arizona | $1,136 | -$234 | -17.1% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,558 | $188 | 13.7% |
| Colorado | $1,306 | -$64 | -4.7% |
| Connecticut | $1,408 | $38 | 2.8% |
| Delaware | $1,548 | $178 | 13.0% |
| Florida | $1,712 | $342 | 25.0% |
| Georgia | $1,264 | -$106 | -7.7% |
| Hawaii | $982 | -$388 | -28.3% |
| Idaho | $926 | -$444 | -32.4% |
| Illinois | $1,020 | -$350 | -25.5% |
| Indiana | $1,030 | -$340 | -24.8% |
| Iowa | $924 | -$446 | -32.6% |
| Kansas | $1,300 | -$70 | -5.1% |
| Kentucky | $1,866 | $496 | 36.2% |
| Louisiana | $2,026 | $656 | 47.9% |
| Maine | $844 | -$526 | -38.4% |
| Maryland | $1,128 | -$242 | -17.7% |
| Massachusetts | $1,094 | -$276 | -20.1% |
| Michigan | $2,378 | $1,008 | 73.6% |
| Minnesota | $1,146 | -$224 | -16.4% |
| Mississippi | $1,640 | $270 | 19.7% |
| Missouri | $1,214 | -$156 | -11.4% |
| Montana | $1,470 | $100 | 7.3% |
| Nebraska | $1,080 | -$290 | -21.2% |
| Nevada | $1,642 | $272 | 19.9% |
| New Hampshire | $988 | -$382 | -27.9% |
| New Jersey | $1,530 | $160 | 11.7% |
| New Mexico | $1,212 | -$158 | -11.5% |
| New York | $1,442 | $72 | 5.3% |
| North Carolina | $790 | -$580 | -42.3% |
| North Dakota | $1,120 | -$250 | -18.2% |
| Ohio | $946 | -$424 | -30.9% |
| Oklahoma | $1,404 | $34 | 2.5% |
| Oregon | $1,254 | -$116 | -8.5% |
| Pennsylvania | $1,306 | -$64 | -4.7% |
| Rhode Island | $1,826 | $456 | 33.3% |
| South Carolina | $1,240 | -$130 | -9.5% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,198 | -$172 | -12.6% |
| Texas | $1,652 | $282 | 20.6% |
| Utah | $1,014 | -$356 | -26.0% |
| Vermont | $938 | -$432 | -31.5% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,058 | -$312 | -22.8% |
| West Virginia | $1,254 | -$116 | -8.5% |
| Wisconsin | $948 | -$422 | -30.8% |
| Wyoming | $1,220 | -$150 | -10.9% |
Opting for high physical damage deductibles could save up to $510 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKC | $270 | $538 | $442 | $1,408 |
| 2019 Lincoln MKC | $260 | $500 | $452 | $1,370 |
| 2018 Lincoln MKC | $250 | $470 | $456 | $1,334 |
| 2017 Lincoln MKC | $240 | $422 | $460 | $1,280 |
| 2016 Lincoln MKC | $224 | $388 | $460 | $1,230 |
| 2015 Lincoln MKC | $216 | $364 | $464 | $1,202 |
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 Find the Best Cheap Lincoln MKC Insurance
Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a quick review of the primary concepts that were presented in the illustrations above.
- You may be able to save around $170 per year just by quoting online in advance
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,610 more per year to insure a Lincoln MKC
- Increasing comprehensive and collision deductibles can save around $500 each year
- Drivers under the age of 20 pay the highest auto insurance rates, with premiums being up to $436 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,226 |
| 20 | $3,180 |
| 30 | $1,420 |
| 40 | $1,370 |
| 50 | $1,252 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,460 |
| 100/300 | $1,573 |
| 250/500 | $1,867 |
| 100 CSL | $1,506 |
| 300 CSL | $1,754 |
| 500 CSL | $1,935 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,448 |
| 20 | $5,068 |
| 30 | $3,034 |
| 40 | $2,978 |
| 50 | $2,846 |
| 60 | $2,822 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $583 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
