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: 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:

Comprehensive $260
Collision $500
Liability $452

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.

Liability Only $504
Full Coverage $1,370
High Risk $2,978

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.

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

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

View Chart as Image

Lincoln MKC insurance cost comparison chart
Column chart showing Lincoln MKC insurance rates range from $787 to $5,226 for full coverage

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.

Lincoln MKC Insurance Rates by State
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%

View Chart as Image

Lincoln MKC insurance rates by U.S. city
Lincoln MKC Insurance Rates by Model Year
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

Rates by Driver Age

Lincoln MKC Insurance 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

Lincoln MKC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,548
$500 $1,370
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKC Insurance Rates with Different Liability Limits
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

Lincoln MKC Insurance 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.

SR-22 Surcharge $194

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
Rate after discounts $787

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

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