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 ...

Dani Best

Licensed Insurance Producer

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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Average auto insurance rates for a Lincoln MKT are $1,248 annually including full coverage. Comprehensive costs around $228, collision costs $300, and liability coverage is estimated at $540. A liability-only policy costs approximately $592 a year, with high-risk insurance costing around $2,680. 16-year-old drivers receive the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,248

Rate estimates for individual coverage type:

Comprehensive $228
Collision $300
Liability $540

Rate estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all MKT models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as cheap as $592 for just liability insurance to the much higher price of $2,680 for high-risk insurance.

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

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities.

The example below illustrates the difference location can make on auto insurance rates.

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

These examples highlight why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using 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.

More Rate Details

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

  • The best full coverage rate is $752
  • Choosing higher $1,000 deductibles can save about $120 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,248
  • Buying pricier low deductibles for comp and collision coverage will cost $1,478
  • Drivers with multiple tickets or accidents could pay at least $2,680 or more
  • The cost with full coverage for a teenage driver for full coverage can be $4,916 each year

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

Insurance rates for a Lincoln MKT can also vary considerably based on the trim level of your MKT, your driving characteristics, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. Lincoln MKT insurance for high-risk drivers ranges around 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $350 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $486 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lincoln MKT insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or at least $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

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates can be significantly different between companies.

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 Buy the Best Lincoln MKT Insurance

Saving money on auto insurance takes having a good driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a brief recap of the material that was touched on in this article.

  • Consumers who may need increased levels of liability coverage will pay around $590 per year to raise limits from a minimum limit to higher 250/500 limits
  • Drivers age 20 and younger pay higher rates, as much as $410 per month including comprehensive and collision insurance
  • Drivers who tend to receive serious violations may pay on average $1,430 more every year to buy Lincoln MKT insurance
  • Increasing deductibles could save up to $350 each year

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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