Lincoln MKT Insurance Rates

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

Average premium for full coverage: $1,248

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different MKT trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below shows estimated 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 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,248
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $230 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,680 or more
• Policy cost that insures a teen driver with full coverage can cost $4,916 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision 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, since even teens with perfect driving records should be prepared 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,780 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $350 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $486 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Lincoln MKT Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices at every other renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below is a brief review of the concepts that were touched on in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,430 more per year for auto insurance
• Teenage drivers are the costliest to insure, costing up to $410 each month if comprehensive and collision insurance is included
• Drivers can save around $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers can save around $140 per year simply by shopping early and online