Lincoln MKT Insurance Rates

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2011 Lincoln MKT Insurance Cost in 2025 – 7 Ideas for Best Prices

Want cheaper insurance coverage rates? Drivers have lots of choices when trying to find the lowest priced Lincoln MKT insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to find the lowest rates. There is a right way and a wrong way to find insurance coverage online and you need to know the best way to quote coverages for your Lincoln and ...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 26, 2024

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The average insurance rates for a Lincoln MKT are $1,248 a year for full coverage insurance. Comprehensive costs approximately $228 each year, collision insurance costs $300, and liability costs $540. Buying just liability costs as little as $592 a year, and insurance for high-risk drivers costs around $2,680. Teenage drivers cost the most to insure at up to $4,916 a year.

Average premium for full coverage: $1,248

Policy rates by type of insurance:

Comprehensive $228
Collision $300
Liability $540

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and MKT models.

Price Range Variability

Using a 40-year-old driver as an example, Lincoln MKT insurance rates range from as low as $592 for just liability insurance to a high rate of $2,680 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

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

The examples above illustrate why all drivers should compare rates using their specific location and risk profile, instead of 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 illustrates average Lincoln MKT insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $752
  • Drivers who choose higher $1,000 deductibles will pay $120 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,248
  • Using low deductibles for comprehensive and collision insurance will increase the cost to $1,478
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,680
  • Policy cost for full coverage for a teen driver can cost $4,916 a year

View Chart as Image

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

Insurance rates for a Lincoln MKT also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state makes a big difference in Lincoln MKT insurance prices. A 40-year-old driver could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,690 on average in Florida, New York, and Michigan.

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 could save up to $350 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $486 more per 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 probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 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 Low Cost Lincoln MKT Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a review of the coverage data raised in the charts and tables above.

  • It is possible to save around $140 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $350 each year
  • Teenage drivers are expensive to insure, possibly costing $410 each month for full coverage
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,430 more per year for auto insurance

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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