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 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:

Comprehensive $260
Collision $500
Liability $452

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.

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

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.

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

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

View Chart as Image

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

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.

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

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.

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 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

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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