Lincoln MKC Insurance Rates

The average insurance prices for a Lincoln MKC are $1,370 every 12 months for full coverage. Comprehensive costs on average $260 each year, collision insurance costs $500, and liability costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs around $2,978. Teen 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:

Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and MKC models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and their own driving history, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $787
• Using higher $1,000 deductibles will save around $172 a year
• The average price for a good driver age 40 with $500 deductibles is $1,370
• Choosing low deductibles for physical damage coverage increases the price to $1,704
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,978
• Policy cost to insure a teen driver may cost $5,226 or more

View Chart as Image

Auto insurance rates for a Lincoln MKC also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your MKC.

Choosing high deductibles could cut rates by as much as $510 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have 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 could be paying at a minimum $1,600 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than average. View High Risk Driver Rates

Your home state has a huge impact on Lincoln MKC insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Lincoln MKC Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every time your policy renews by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below is a brief recap of the information touched on above.

• Drivers can save as much as $170 per year just by quoting online in advance
• Teenage drivers are charged the highest rates, costing up to $436 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Higher risk drivers who tend to receive serious violations pay an average of $1,610 more each year for auto insurance
• Policyholders who require higher levels of liability will pay about $500 each year to increase from a 30/60 limit to a 250/500 level