Lincoln MKC Insurance Rates
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UPDATED: Apr 14, 2024
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Estimated insurance prices for a Lincoln MKC are $1,408 every 12 months with full coverage. Comprehensive costs an estimated $270, collision insurance costs $538, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs around $3,070. Teens pay the most at up to $5,352 a year.
Average premium for full coverage: $1,408
Premium estimates broken down by type of coverage:
Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all MKC models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Lincoln MKC range from the cheapest price of $496 for a discount liability-only rate to the much higher price of $3,070 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.
These rate differences demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based 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.
Rates by State, City, and Model
The chart below details average Lincoln MKC insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $804
- Choosing higher $1,000 deductibles can save approximately $182 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,408
- Selecting pricier low deductibles for comp and collision coverage increases the price to $1,766
- Higher-risk drivers with serious driving violations could pay up to $3,070
- An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $5,352 each year
Auto insurance prices for a Lincoln MKC also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $540 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,300 in extra premium annually, depending on your age. Lincoln MKC insurance for high-risk drivers ranges from 43% to 134% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Lincoln MKC insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,274 | -$134 | -9.5% |
| Alaska | $1,082 | -$326 | -23.2% |
| Arizona | $1,170 | -$238 | -16.9% |
| Arkansas | $1,408 | -$0 | 0.0% |
| California | $1,606 | $198 | 14.1% |
| Colorado | $1,346 | -$62 | -4.4% |
| Connecticut | $1,448 | $40 | 2.8% |
| Delaware | $1,594 | $186 | 13.2% |
| Florida | $1,762 | $354 | 25.1% |
| Georgia | $1,300 | -$108 | -7.7% |
| Hawaii | $1,012 | -$396 | -28.1% |
| Idaho | $954 | -$454 | -32.2% |
| Illinois | $1,050 | -$358 | -25.4% |
| Indiana | $1,062 | -$346 | -24.6% |
| Iowa | $950 | -$458 | -32.5% |
| Kansas | $1,338 | -$70 | -5.0% |
| Kentucky | $1,922 | $514 | 36.5% |
| Louisiana | $2,086 | $678 | 48.2% |
| Maine | $868 | -$540 | -38.4% |
| Maryland | $1,164 | -$244 | -17.3% |
| Massachusetts | $1,128 | -$280 | -19.9% |
| Michigan | $2,448 | $1,040 | 73.9% |
| Minnesota | $1,178 | -$230 | -16.3% |
| Mississippi | $1,688 | $280 | 19.9% |
| Missouri | $1,250 | -$158 | -11.2% |
| Montana | $1,514 | $106 | 7.5% |
| Nebraska | $1,110 | -$298 | -21.2% |
| Nevada | $1,690 | $282 | 20.0% |
| New Hampshire | $1,014 | -$394 | -28.0% |
| New Jersey | $1,576 | $168 | 11.9% |
| New Mexico | $1,248 | -$160 | -11.4% |
| New York | $1,484 | $76 | 5.4% |
| North Carolina | $812 | -$596 | -42.3% |
| North Dakota | $1,154 | -$254 | -18.0% |
| Ohio | $974 | -$434 | -30.8% |
| Oklahoma | $1,448 | $40 | 2.8% |
| Oregon | $1,290 | -$118 | -8.4% |
| Pennsylvania | $1,344 | -$64 | -4.5% |
| Rhode Island | $1,880 | $472 | 33.5% |
| South Carolina | $1,276 | -$132 | -9.4% |
| South Dakota | $1,190 | -$218 | -15.5% |
| Tennessee | $1,234 | -$174 | -12.4% |
| Texas | $1,698 | $290 | 20.6% |
| Utah | $1,044 | -$364 | -25.9% |
| Vermont | $964 | -$444 | -31.5% |
| Virginia | $844 | -$564 | -40.1% |
| Washington | $1,090 | -$318 | -22.6% |
| West Virginia | $1,292 | -$116 | -8.2% |
| Wisconsin | $976 | -$432 | -30.7% |
| Wyoming | $1,254 | -$154 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKC | $286 | $558 | $430 | $1,432 |
| 2019 Lincoln MKC | $270 | $538 | $442 | $1,408 |
| 2018 Lincoln MKC | $260 | $500 | $452 | $1,370 |
| 2017 Lincoln MKC | $250 | $470 | $456 | $1,334 |
| 2016 Lincoln MKC | $240 | $422 | $460 | $1,280 |
| 2015 Lincoln MKC | $224 | $388 | $460 | $1,230 |
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 More Affordable Lincoln MKC Insurance
Finding better rates on insurance for a Lincoln MKC takes being a safe and courteous driver, having a good credit score, being claim-free, and consideration of higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
Below is a summary of the car insurance concepts touched on in this article.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,660 more annually for auto insurance
- You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $550 each year
- Insureds who want higher levels of liability will pay approximately $490 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,352 |
| 20 | $3,278 |
| 30 | $1,466 |
| 40 | $1,408 |
| 50 | $1,290 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,766 |
| $250 | $1,600 |
| $500 | $1,408 |
| $1,000 | $1,226 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,408 |
| 50/100 | $1,496 |
| 100/300 | $1,607 |
| 250/500 | $1,894 |
| 100 CSL | $1,541 |
| 300 CSL | $1,784 |
| 500 CSL | $1,961 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,634 |
| 20 | $5,230 |
| 30 | $3,132 |
| 40 | $3,070 |
| 50 | $2,934 |
| 60 | $2,908 |
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 | $75 |
| Multi-vehicle | $76 |
| Homeowner | $21 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $64 |
| Advance Quote | $71 |
| Online Quote | $100 |
| Total Discounts | $604 |
Discounts are estimated and may not be available from every company or in every state.
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