Lincoln MKC Insurance Rates

The average insurance rates for a Lincoln MKC are $1,370 a year for full coverage insurance. Comprehensive insurance costs on average $260, collision insurance costs $500, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs $2,978 or more. 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:

Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all MKC models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities. The example below illustrates how location impacts car insurance rates.

The examples above illustrate why everyone should get quotes based on a specific location, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $787
• Choosing higher $1,000 deductibles can save around $172 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,370
• Buying pricier low deductibles for comp and collision coverage will cost an additional $334 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,978
• Policy cost that insures a teen driver for full coverage may cost $5,226 each year

View Chart as Image

Insurance rates for a Lincoln MKC also range considerably based on the model of your MKC, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 additional every year, depending on your age. Lincoln MKC insurance for high-risk drivers ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Lincoln MKC insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $510 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lincoln MKC Insurance

Finding cheaper rates on car insurance takes being a good driver, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Comparison shop once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a recap of the data that was touched on above.

• It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
• Policyholders who require an increased level of liability coverage will pay around $500 annually to raise limits from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 pay higher rates, possibly costing $436 each month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents may pay on average $1,610 more each year than a safer driver