Lincoln MKC Insurance Rates

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How Much Does 2018 Lincoln MKC Insurance Cost in 2025?

Drivers not familiar with comparison shopping online may find purchasing affordable insurance is harder than they anticipated. Consumers need to quote other rates once or twice a year because insurance prices tend to go up over time. Despite the fact that you may have had the best rate on MKC insurance two years ago you may be paying too much now. Forget all the misinformation about auto insurance...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 14, 2024

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Average insurance prices for a Lincoln MKC are $1,370 every 12 months for full coverage. Comprehensive costs approximately $260 each year, collision insurance costs $500, and liability insurance is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs around $2,978. Teen drivers receive the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Rate estimates by individual coverage type:

Comprehensive $260
Collision $500
Liability $452

Prices include $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and MKC models.

Price Range by Coverage and Risk

For an average driver, prices range range from the cheapest price of $504 for liability-only coverage to a high rate of $2,978 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,370
High Risk $2,978

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

These examples show why all drivers should get quotes using their specific location and their own driving history, rather than relying on price 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 Charts and Tables

The chart below shows average Lincoln MKC insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $787
  • Choosing higher $1,000 deductibles can save $172 a year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,370
  • Choosing low deductibles for comp and collision coverage increases the price to $1,704
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,978
  • The cost to insure a teen driver can cost $5,226 each year

View Chart as Image

Lincoln MKC insurance cost comparison chart
Column chart showing Lincoln MKC insurance rates range from $787 to $5,226 for full coverage

Auto insurance rates for a Lincoln MKC can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your MKC.

Choosing high deductibles can save as much as $510 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 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 $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lincoln MKC insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in New York, Louisiana, and Michigan.

Lincoln MKC Insurance Rates by State
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%

View Chart as Image

Lincoln MKC insurance rates by U.S. city
Lincoln MKC Insurance Rates by Model Year
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 Shop for the Right Lincoln MKC Insurance

Saving money on Lincoln MKC insurance takes having a good driving record, having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Take the time to compare rates at least once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick rundown of the primary concepts that were covered in the above illustrations.

  • Drivers can save around $170 per year just by quoting online in advance
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,610 more per year to buy Lincoln MKC insurance
  • Increasing deductibles could save as much as $500 each year
  • Drivers age 20 and younger have the highest car insurance rates, costing as high as $436 per month if comprehensive and collision insurance is included

Rates by Driver Age

Lincoln MKC Insurance 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

Lincoln MKC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,548
$500 $1,370
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKC Insurance Rates with Different Liability Limits
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

Lincoln MKC Insurance 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.

SR-22 Surcharge $194

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
Rate after discounts $787

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

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