Lincoln MKC Insurance Rates
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UPDATED: Dec 17, 2019
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The average insurance prices for a Lincoln MKC are $1,370 every 12 months with full coverage. Comprehensive insurance costs on average $260 each year, collision costs $500, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing $2,978 or more. Teens cost the most to insure at $5,226 a year or more.
Average premium for full coverage: $1,370
Policy rates by type of insurance:
Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and MKC models.
Price Range Variability
For the average driver, Lincoln MKC insurance rates go from the cheapest price of $504 for just the minimum liability insurance to a high rate of $2,978 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion.
The graphic below illustrates how location impacts car insurance rates.
The examples above demonstrate why all drivers should get quotes based on a specific location 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.
Additional Rate Analysis
The chart below details estimated Lincoln MKC insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $787
- Choosing higher $1,000 deductibles can save around $172 annually
- The average price for a good driver age 40 with $500 deductibles is $1,370
- Selecting low deductibles for comp and collision coverage costs an extra $334 annually
- Higher-risk drivers with serious driving violations could pay upwards of $2,978 or more
- Policy cost to insure a 16-year-old driver may cost $5,226 each year
Insurance rates for a Lincoln MKC also range considerably based on liability limits and deductibles, your driving record, and the trim level of your MKC.
Choosing higher comprehensive and collision insurance deductibles can save as much as $510 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than the average policy. View High Risk Driver Rates
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 $990 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,850 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Lincoln MKC | $260 | $500 | $452 | $1,370 |
| 2016 Lincoln MKC | $250 | $470 | $456 | $1,334 |
| 2015 Lincoln MKC | $240 | $422 | $460 | $1,280 |
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 Affordable Lincoln MKC Insurance
Finding cheaper rates on insurance for a Lincoln MKC takes being a low-risk driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every other policy renewal by quoting rates from direct companies, and also from local exclusive and independent agents.
The items below are a brief review of the ideas that were touched on above.
- Teen drivers pay higher rates, as much as $436 each month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,610 more each year to insure their MKC
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- You may be able to save as much as $170 per year simply by quoting online in advance
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.
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