Lincoln MKT Insurance Rates

The average insurance rates for a Lincoln MKT are $1,200 a year including full coverage. Comprehensive costs around $212, collision costs $274, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing around $2,580. Teen drivers cost the most to insure at $4,768 a year or more.

Average premium for full coverage: $1,200

Policy rates for type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all MKT models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why everyone should get quotes for a specific zip code and risk profile, instead of using price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Lincoln MKT insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $726
• Choosing higher $1,000 deductibles can save about $110 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,200
• Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,412
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,580 or more
• Policy cost for full coverage for a teen driver for full coverage can be $4,768 each year

View Chart as Image

Insurance rates for a Lincoln MKT also range considerably based on your risk profile, the model of your MKT, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Lincoln MKT insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,720 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $330 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $2,000 additional every year, depending on your age. Lincoln MKT insurance for high-risk drivers ranges as much as 42% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates will be varied 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 Cheap Lincoln MKT Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief summary of the coverage data covered above.

• You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers under the age of 20 are charged the highest rates, with premiums being up to $397 each month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,380 more every year to insure a Lincoln MKT