Lincoln MKC Insurance Rates

Average auto insurance rates for a Lincoln MKC are $1,370 annually for full coverage. Comprehensive insurance costs on average $260 each year, collision insurance costs $500, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs $2,978 or more. Teenage 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:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and MKC models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

These examples show why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below shows average Lincoln MKC insurance rates for different risk profiles and scenarios.

• The best discount rate is $787
• Drivers who choose higher $1,000 deductibles will pay around $172 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,370
• Using low deductibles for comprehensive and collision insurance costs an additional $334 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,978
• The cost with full coverage for a 16-year-old driver may cost $5,226 a year

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lincoln MKC insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheap Lincoln MKC Insurance

Saving money on insurance for a Lincoln MKC not only requires being a good driver, but also having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Make time to compare rates every year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a brief summary of the coverage data touched on in this article.

• Drivers can save as much as $170 per year just by quoting online in advance
• Increasing deductibles could save up to $500 each year
• Drivers age 16 to 20 are expensive to insure, costing as high as $436 per month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,610 more each year than a safer driver