Lincoln MKT Insurance Rates

Estimated insurance rates for a Lincoln MKT are $1,200 a year including full coverage. Comprehensive costs approximately $212 a year, collision costs $274, and liability coverage is estimated at $534. A policy with only liability insurance costs approximately $588 a year, with a high-risk policy costing around $2,580. Teenage drivers pay the most at $4,768 a year or more.

Average premium for full coverage: $1,200

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and MKT trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Lincoln MKT insurance rates for additional coverage and risk scenarios.

• The best discount rate is $726
• Choosing higher $1,000 deductibles can save $1,090 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,200
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,412
• Drivers who are prone to accidents and violations could pay around $2,580 or more
• An auto insurance policy for full coverage for a teenage driver can cost $4,768 each year

View Chart as Image

Car insurance prices for a Lincoln MKT also have a wide range based on your driving characteristics, the model of your MKT, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lincoln MKT insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,720 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $330 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Lincoln MKT Insurance

Finding better rates on auto insurance takes having a decent driving record, having above-average credit, refrain from filing small claims, and avoiding coverage lapses. Spend time shopping around once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a brief recap of the data that was touched on above.

• You may be able to save around $140 per year simply by quoting early and online
• Consumers who purchase additional liability coverage will pay an extra $590 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers pay the highest auto insurance prices, with the cost nearing $397 per month if full coverage is included
• Drivers who tend to receive serious violations could be forced to pay on average $1,380 more per year than a driver with a clean driving record