Lincoln MKT Insurance Rates
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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...
Licensed Insurance Producer
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:
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.
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.
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
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.
| 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% |
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
| 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 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
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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