Lincoln MKT Insurance Rates
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UPDATED: Apr 26, 2024
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Estimated insurance rates for a Lincoln MKT are $1,278 a year with full coverage. Comprehensive costs on average $234 a year, collision insurance costs $330, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs around $2,754. Teenage drivers pay the most at up to $5,020 a year.
Average premium for full coverage: $1,278
Premium estimates by type of coverage:
Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and MKT trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Lincoln MKT range from the low end price of $588 for just liability insurance to a high of $2,754 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.
These rate differences demonstrate why it is important to compare rates based on a specific location, 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.
More Rate Details
The chart below details average Lincoln MKT insurance rates for different risk profiles and scenarios.
- The best discount rate is $764
- Drivers who choose higher $1,000 deductibles will pay around $1,150 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,278
- Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,526
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,754
- An auto insurance policy that insures a teenage driver may cost $5,020 a year
Insurance prices for a Lincoln MKT also have a wide range based on the trim level of your MKT, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,000 a year. View Rates by Age
Where you choose to live makes a big difference in Lincoln MKT insurance rates. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,730 on average in Florida, Michigan, 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% |
Using high physical damage deductibles could save up to $380 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit
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
Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and determing if full coverage is necessary. Compare prices at every other renewal by getting price quotes from direct companies, and also from several local insurance agents.
Below is a quick review of the concepts that were touched on in this article.
- Drivers with a DUI or reckless driving violation pay on average $1,480 more each year for auto insurance
- Teenage drivers pay the highest prices, possibly costing $418 per month if full coverage is included
- You may be able to save as much as $150 per year just by quoting early and online
- Increasing policy deductibles can save approximately $375 each year
- You may be able to save as much as $150 per year just by quoting early and online
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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