Lincoln MKT 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: Apr 26, 2024

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U.S. average insurance prices for a Lincoln MKT are $1,248 every 12 months including full coverage. Comprehensive costs around $228 a year, collision costs $300, and liability coverage is $540. Liability-only coverage costs around $592 a year, with high-risk coverage costing around $2,680. Teenage drivers pay the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,248

Price estimates for individual coverage:

Comprehensive $228
Collision $300
Liability $540

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and MKT trim levels.

Price Range from Low to High

For a driver around age 40, Lincoln MKT insurance prices go from the cheapest price of $592 for liability-only coverage to a high of $2,680 for a driver that may need high-risk insurance.

Liability Only $592
Full Coverage $1,248
High Risk $2,680

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.

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

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

The ranges above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using average rates.

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 Charts and Tables

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

  • The best discount rate is $752
  • Raising to $1,000 deductibles will save about $1,128 every year
  • The average price for the average middle-age driver using $500 deductibles is $1,248
  • Using low $100 deductibles increases the price to $1,478
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,680 or more
  • The price to insure a teenage driver can be $4,916

View Chart as Image

Lincoln MKT insurance cost comparison chart
Column chart showing full coverage Lincoln MKT insurance rates range from $752 to $4,916

Auto insurance prices for a Lincoln MKT are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce prices by up to $350 a year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $486 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

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 $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.

Lincoln MKT Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,128 -$120 -9.6%
Alaska $958 -$290 -23.2%
Arizona $1,038 -$210 -16.8%
Arkansas $1,248 -$0 0.0%
California $1,422 $174 13.9%
Colorado $1,190 -$58 -4.6%
Connecticut $1,280 $32 2.6%
Delaware $1,412 $164 13.1%
Florida $1,562 $314 25.2%
Georgia $1,154 -$94 -7.5%
Hawaii $896 -$352 -28.2%
Idaho $846 -$402 -32.2%
Illinois $928 -$320 -25.6%
Indiana $940 -$308 -24.7%
Iowa $840 -$408 -32.7%
Kansas $1,184 -$64 -5.1%
Kentucky $1,702 $454 36.4%
Louisiana $1,846 $598 47.9%
Maine $770 -$478 -38.3%
Maryland $1,030 -$218 -17.5%
Massachusetts $996 -$252 -20.2%
Michigan $2,166 $918 73.6%
Minnesota $1,046 -$202 -16.2%
Mississippi $1,496 $248 19.9%
Missouri $1,104 -$144 -11.5%
Montana $1,340 $92 7.4%
Nebraska $984 -$264 -21.2%
Nevada $1,496 $248 19.9%
New Hampshire $898 -$350 -28.0%
New Jersey $1,396 $148 11.9%
New Mexico $1,104 -$144 -11.5%
New York $1,314 $66 5.3%
North Carolina $718 -$530 -42.5%
North Dakota $1,024 -$224 -17.9%
Ohio $862 -$386 -30.9%
Oklahoma $1,280 $32 2.6%
Oregon $1,144 -$104 -8.3%
Pennsylvania $1,188 -$60 -4.8%
Rhode Island $1,664 $416 33.3%
South Carolina $1,130 -$118 -9.5%
South Dakota $1,054 -$194 -15.5%
Tennessee $1,090 -$158 -12.7%
Texas $1,504 $256 20.5%
Utah $924 -$324 -26.0%
Vermont $854 -$394 -31.6%
Virginia $746 -$502 -40.2%
Washington $962 -$286 -22.9%
West Virginia $1,144 -$104 -8.3%
Wisconsin $864 -$384 -30.8%
Wyoming $1,112 -$136 -10.9%

View Chart as Image

Lincoln MKT insurance rates by U.S. city

Since prices can be so different, the best way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Lincoln MKT Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKT 3.7 2WD $1,226 $102
Lincoln MKT 3.7 AWD $1,248 $104

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.

Lincoln MKT Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKT $326 $564 $500 $1,570
2019 Lincoln MKT $312 $524 $510 $1,526
2018 Lincoln MKT $300 $494 $514 $1,488
2017 Lincoln MKT $288 $442 $520 $1,430
2016 Lincoln MKT $270 $408 $520 $1,378
2015 Lincoln MKT $260 $382 $524 $1,346
2014 Lincoln MKT $254 $356 $534 $1,324
2013 Lincoln MKT $234 $330 $534 $1,278
2012 Lincoln MKT $228 $300 $540 $1,248
2011 Lincoln MKT $212 $274 $534 $1,200
2010 Lincoln MKT $200 $250 $534 $1,164

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 Shop for Cheaper Lincoln MKT Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a condensed summary of the data that was covered above.

  • You may be able to save up to $140 per year simply by quoting early and online
  • Consumers who may need more liability protection will pay an extra $590 per year to raise from a low limit to a 250/500 level
  • Youthful drivers are expensive to insure, possibly costing $410 a month if comprehensive and collision insurance is included
  • Drivers with multiple at-fault accidents could be forced to pay on average $1,430 more every year than a low-risk driver

Rates by Driver Age

Lincoln MKT Insurance Rates by Driver Age
Driver Age Premium
16 $4,916
20 $2,840
30 $1,276
40 $1,248
50 $1,144
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,478
$250 $1,374
$500 $1,248
$1,000 $1,128

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKT Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,356
100/300 $1,491
250/500 $1,842
100 CSL $1,410
300 CSL $1,707
500 CSL $1,923

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKT Insurance Rates for High Risk Drivers
Age Premium
16 $6,946
20 $4,526
30 $2,710
40 $2,680
50 $2,560
60 $2,534

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 $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $66
Homeowner $21
5-yr Accident Free $78
5-yr Claim Free $79
Paid in Full/EFT $47
Advance Quote $56
Online Quote $85
Total Discounts $496
Rate after discounts $752

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

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