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 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
For the average driver, Lincoln MKC insurance rates range from the cheapest price of $504 for just the minimum liability insurance to a high rate of $2,978 for a high-risk driver policy.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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
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.
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% |
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 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
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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