Lincoln MKC Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 14, 2024

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U.S. average insurance rates for a Lincoln MKC are $1,408 a year for full coverage. Comprehensive insurance costs around $270, collision costs $538, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $3,070 or more. 16-year-old drivers pay the highest rates at $5,352 a year or more.

Average premium for full coverage: $1,408

Price estimates for individual coverage:

Comprehensive $270
Collision $538
Liability $442

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different MKC trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Lincoln MKC insurance prices go from as low as $496 for basic liability insurance to a much higher rate of $3,070 for a policy for a high-risk driver.

Liability Only $496
Full Coverage $1,408
High Risk $3,070

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities.

The price range example below illustrates how where you live affects auto insurance rates.

Rural Areas $1,056
Small Cities $1,478
Large Cities $1,901

The ranges above show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on rate 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.

Rate Comparisons

The chart below shows estimated Lincoln MKC insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $804
  • Using higher $1,000 deductibles will save about $182 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,408
  • Buying more expensive low deductibles for physical damage coverage will cost an extra $358 annually
  • High-risk insureds with multiple tickets or accidents could pay at least $3,070 or more
  • The price for full coverage for a 16-year-old driver with full coverage can be $5,352 or more

View Chart as Image

Lincoln MKC insurance cost comparison chart
Column chart showing full coverage Lincoln MKC insurance prices range from $804 to $5,352

Insurance prices for a Lincoln MKC are also quite variable based on your driving record, the trim level of your MKC, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lincoln MKC insurance prices. A driver around age 40 might see prices as low as $930 a year in states like Idaho, Maine, and Iowa, or at least $2,010 on average in Michigan, Louisiana, and New York.

Lincoln MKC Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,274 -$134 -9.5%
Alaska $1,082 -$326 -23.2%
Arizona $1,170 -$238 -16.9%
Arkansas $1,408 -$0 0.0%
California $1,606 $198 14.1%
Colorado $1,346 -$62 -4.4%
Connecticut $1,448 $40 2.8%
Delaware $1,594 $186 13.2%
Florida $1,762 $354 25.1%
Georgia $1,300 -$108 -7.7%
Hawaii $1,012 -$396 -28.1%
Idaho $954 -$454 -32.2%
Illinois $1,050 -$358 -25.4%
Indiana $1,062 -$346 -24.6%
Iowa $950 -$458 -32.5%
Kansas $1,338 -$70 -5.0%
Kentucky $1,922 $514 36.5%
Louisiana $2,086 $678 48.2%
Maine $868 -$540 -38.4%
Maryland $1,164 -$244 -17.3%
Massachusetts $1,128 -$280 -19.9%
Michigan $2,448 $1,040 73.9%
Minnesota $1,178 -$230 -16.3%
Mississippi $1,688 $280 19.9%
Missouri $1,250 -$158 -11.2%
Montana $1,514 $106 7.5%
Nebraska $1,110 -$298 -21.2%
Nevada $1,690 $282 20.0%
New Hampshire $1,014 -$394 -28.0%
New Jersey $1,576 $168 11.9%
New Mexico $1,248 -$160 -11.4%
New York $1,484 $76 5.4%
North Carolina $812 -$596 -42.3%
North Dakota $1,154 -$254 -18.0%
Ohio $974 -$434 -30.8%
Oklahoma $1,448 $40 2.8%
Oregon $1,290 -$118 -8.4%
Pennsylvania $1,344 -$64 -4.5%
Rhode Island $1,880 $472 33.5%
South Carolina $1,276 -$132 -9.4%
South Dakota $1,190 -$218 -15.5%
Tennessee $1,234 -$174 -12.4%
Texas $1,698 $290 20.6%
Utah $1,044 -$364 -25.9%
Vermont $964 -$444 -31.5%
Virginia $844 -$564 -40.1%
Washington $1,090 -$318 -22.6%
West Virginia $1,292 -$116 -8.2%
Wisconsin $976 -$432 -30.7%
Wyoming $1,254 -$154 -10.9%

View Chart as Image

Lincoln MKC insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $540 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance can be from 43% to 134% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite different from one company to the next.

Lincoln MKC Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKC $286 $558 $430 $1,432
2019 Lincoln MKC $270 $538 $442 $1,408
2018 Lincoln MKC $260 $500 $452 $1,370
2017 Lincoln MKC $250 $470 $456 $1,334
2016 Lincoln MKC $240 $422 $460 $1,280
2015 Lincoln MKC $224 $388 $460 $1,230

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 Find Low Cost Lincoln MKC Insurance

Getting lower rates on insurance for a Lincoln MKC requires being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The items below are a review of the coverage data touched on in the above illustrations.

  • Drivers can save up to $170 per year simply by shopping early and online
  • Increasing physical damage deductibles can save around $550 each year
  • Teen drivers are charged the highest prices, with premiums as much as $446 a month including comprehensive and collision insurance
  • Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,660 more every year to insure their MKC

Rates by Driver Age

Lincoln MKC Insurance Rates by Driver Age
Driver Age Premium
16 $5,352
20 $3,278
30 $1,466
40 $1,408
50 $1,290
60 $1,266

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,766
$250 $1,600
$500 $1,408
$1,000 $1,226

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKC Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,408
50/100 $1,496
100/300 $1,607
250/500 $1,894
100 CSL $1,541
300 CSL $1,784
500 CSL $1,961

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKC Insurance Rates for High Risk Drivers
Age Premium
16 $7,634
20 $5,230
30 $3,132
40 $3,070
50 $2,934
60 $2,908

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.

SR-22 Surcharge $201

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $64
Advance Quote $71
Online Quote $100
Total Discounts $604
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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