Lincoln MKT Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 26, 2024
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Estimated auto insurance rates for a Lincoln MKT are $1,248 annually including full coverage. Comprehensive insurance costs an estimated $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. 16-year-old drivers pay the most at up to $4,916 a year.
Average premium for full coverage: $1,248
Premium estimates broken down by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all MKT models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Lincoln MKT range from as cheap as $592 for minimum levels of liability insurance to the much higher price of $2,680 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The example below illustrates how your location can change insurance prices.
These rate differences highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.
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 Rate Details
The chart below breaks down average Lincoln MKT insurance rates for other coverage scenarios.
- The best full coverage rate is $752
- Raising to $1,000 deductibles will save approximately $120 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,248
- Buying pricier low deductibles costs an additional $230 annually
- Drivers with multiple tickets or accidents could pay up to $2,680
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost as much as $4,916
Insurance prices for a Lincoln MKT also have a wide range based on the model of your MKT, your driving characteristics, and liability limits and deductibles.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,500 to $2,100 additional annually, depending on your age. Lincoln MKT insurance for high-risk drivers is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $350 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $486 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Lincoln MKT insurance prices. A middle-age driver might find prices as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,780 on average in Louisiana, New York, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy More Affordable Lincoln MKT Insurance
Finding better rates on insurance for a Lincoln MKT consists of avoiding accidents and claims, having good credit, refrain from filing small claims, and possibly raising deductibles. Invest the time to shop around at least every other year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The points below are a summary of the car insurance concepts illustrated above.
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,430 more annually to insure a Lincoln MKT
- You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $350 each year
- Insureds who want increased liability limits will pay around $590 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,478 |
| $250 | $1,374 |
| $500 | $1,248 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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