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 $1,248 a year for full coverage. Comprehensive insurance costs around $228, collision insurance costs $300, and liability is $540. Liability-only insurance costs around $592 a year, and high-risk driver insurance costs $2,680 or more. Teenage drivers pay the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,248

Price estimates for individual coverage:

Comprehensive $228
Collision $300
Liability $540

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

Price Range from Low to High

For a driver in their 40's, Lincoln MKT insurance prices range from as low as $592 for just liability coverage to a much higher rate 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 can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

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

The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on 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.

Detailed Rate Analysis

The chart below shows average 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 $120 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,248
  • Using more expensive low deductibles will cost an extra $230 annually
  • Drivers who are prone to accidents and violations could pay at least $2,680
  • The price for full coverage for a 16-year-old driver with full coverage can be $4,916

View Chart as Image

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

Car 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.

An older driver with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,900 a year. View Rates by Age

The state you live in also has a big influence on Lincoln MKT insurance prices. A middle-age driver might find prices as low as $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,780 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles can reduce prices by up to $350 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $486 extra every 12 months. 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 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

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 Find the Best Lincoln MKT Insurance

Getting lower rates on insurance for a Lincoln MKT consists of avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The points below are a brief recap of the data that was covered in the charts and tables above.

  • Drivers can save up to $140 per year just by shopping early and online
  • Insureds who may need increased liability limits will pay an extra $590 each year to raise from a low limit to 250/500 limits
  • Drivers under the age of 20 are the costliest to insure, with premiums as much as $410 a month if full coverage is included
  • Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,430 more every year to insure a Lincoln MKT

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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