Lincoln MKT Insurance Rates
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UPDATED: Apr 26, 2024
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U.S. average insurance rates for a Lincoln MKT are $1,278 a year for full coverage. Comprehensive insurance costs around $234 each year, collision costs $330, and liability insurance is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,754 or more. Teens pay the highest rates at $5,020 a year or more.
Average premium for full coverage: $1,278
Price estimates for individual coverage:
Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and MKT models.
Price Range from Low to High
For a driver in their 40's, Lincoln MKT insurance prices go from as low as $588 for minimum levels of liability insurance to a high rate of $2,754 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine auto insurance rates.
The ranges above show why all drivers should compare rates quotes for a specific zip code and risk profile, rather than relying 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 Details
The chart below shows estimated Lincoln MKT insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $764
- Raising to $1,000 deductibles will save about $128 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,278
- Selecting low deductibles will cost an extra $248 a year
- Higher-risk drivers with serious driving violations could pay at least $2,754 or more
- The price for full coverage for a teen driver can be $5,020
Auto insurance prices for a Lincoln MKT are also quite variable based on your driving record, the trim level of your MKT, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age
The state you live in also has a big influence on Lincoln MKT insurance rates. A middle-age driver might find prices as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,830 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,156 | -$122 | -9.5% |
| Alaska | $982 | -$296 | -23.2% |
| Arizona | $1,062 | -$216 | -16.9% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,458 | $180 | 14.1% |
| Colorado | $1,220 | -$58 | -4.5% |
| Connecticut | $1,316 | $38 | 3.0% |
| Delaware | $1,448 | $170 | 13.3% |
| Florida | $1,602 | $324 | 25.4% |
| Georgia | $1,182 | -$96 | -7.5% |
| Hawaii | $918 | -$360 | -28.2% |
| Idaho | $868 | -$410 | -32.1% |
| Illinois | $950 | -$328 | -25.7% |
| Indiana | $966 | -$312 | -24.4% |
| Iowa | $864 | -$414 | -32.4% |
| Kansas | $1,214 | -$64 | -5.0% |
| Kentucky | $1,746 | $468 | 36.6% |
| Louisiana | $1,896 | $618 | 48.4% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,056 | -$222 | -17.4% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,220 | $942 | 73.7% |
| Minnesota | $1,070 | -$208 | -16.3% |
| Mississippi | $1,534 | $256 | 20.0% |
| Missouri | $1,134 | -$144 | -11.3% |
| Montana | $1,374 | $96 | 7.5% |
| Nebraska | $1,008 | -$270 | -21.1% |
| Nevada | $1,536 | $258 | 20.2% |
| New Hampshire | $924 | -$354 | -27.7% |
| New Jersey | $1,432 | $154 | 12.1% |
| New Mexico | $1,132 | -$146 | -11.4% |
| New York | $1,348 | $70 | 5.5% |
| North Carolina | $738 | -$540 | -42.3% |
| North Dakota | $1,048 | -$230 | -18.0% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,312 | $34 | 2.7% |
| Oregon | $1,174 | -$104 | -8.1% |
| Pennsylvania | $1,220 | -$58 | -4.5% |
| Rhode Island | $1,706 | $428 | 33.5% |
| South Carolina | $1,160 | -$118 | -9.2% |
| South Dakota | $1,082 | -$196 | -15.3% |
| Tennessee | $1,120 | -$158 | -12.4% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $946 | -$332 | -26.0% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $764 | -$514 | -40.2% |
| Washington | $988 | -$290 | -22.7% |
| West Virginia | $1,174 | -$104 | -8.1% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,140 | -$138 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $380 each year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 extra every 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 $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKT 3.7 2WD | $1,256 | $105 |
| Lincoln MKT 3.7 AWD | $1,278 | $107 |
Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKT | $344 | $586 | $486 | $1,596 |
| 2019 Lincoln MKT | $326 | $564 | $500 | $1,570 |
| 2018 Lincoln MKT | $312 | $524 | $510 | $1,526 |
| 2017 Lincoln MKT | $300 | $494 | $514 | $1,488 |
| 2016 Lincoln MKT | $288 | $442 | $520 | $1,430 |
| 2015 Lincoln MKT | $270 | $408 | $520 | $1,378 |
| 2014 Lincoln MKT | $260 | $382 | $524 | $1,346 |
| 2013 Lincoln MKT | $254 | $356 | $534 | $1,324 |
| 2012 Lincoln MKT | $234 | $330 | $534 | $1,278 |
| 2011 Lincoln MKT | $228 | $300 | $540 | $1,248 |
| 2010 Lincoln MKT | $212 | $274 | $534 | $1,200 |
Rates are averaged for all Lincoln MKT 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 the Best Cheap Lincoln MKT Insurance
Getting lower rates on Lincoln MKT insurance consists of having a good driving record, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every other policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The next list is a quick review of the ideas that were covered in the charts and tables above.
- Drivers age 20 and younger are expensive to insure, with premiums as much as $418 a month if they have full coverage
- High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,480 more every year to buy Lincoln MKT insurance
- Increasing physical damage deductibles can save around $375 each year
- Drivers can save up to $150 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,020 |
| 20 | $2,922 |
| 30 | $1,312 |
| 40 | $1,278 |
| 50 | $1,174 |
| 60 | $1,148 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,526 |
| $250 | $1,412 |
| $500 | $1,278 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,385 |
| 100/300 | $1,518 |
| 250/500 | $1,865 |
| 100 CSL | $1,438 |
| 300 CSL | $1,732 |
| 500 CSL | $1,946 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,104 |
| 20 | $4,654 |
| 30 | $2,788 |
| 40 | $2,754 |
| 50 | $2,630 |
| 60 | $2,604 |
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 | $66 |
| Multi-vehicle | $68 |
| Homeowner | $22 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $49 |
| Advance Quote | $58 |
| Online Quote | $88 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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