Lincoln MKT Insurance Rates

U.S. average insurance rates for a Lincoln MKT are $1,248 a year including full coverage. Comprehensive costs on average $228 each year, collision insurance costs $300, and liability costs around $540. Liability-only coverage costs as low as $592 a year, and high-risk coverage costs around $2,680. Teenage drivers pay the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,248

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and MKT models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why all drivers should compare prices based on a 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 breaks down average Lincoln MKT insurance rates for different risk profiles and scenarios.

• The best discount rate is $752
• Using higher $1,000 deductibles will save around $120 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,248
• Using low deductibles for physical damage coverage bumps up the cost to $1,478
• Drivers who are prone to accidents and violations could pay upwards of $2,680
• The price that insures a teen driver may cost $4,916 or more

View Chart as Image

Auto insurance prices for a Lincoln MKT are also quite variable based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Lincoln MKT insurance prices. A driver around age 40 might see prices as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $350 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $486 extra every year. View Rates by Deductible or Liability Limit

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 the Best Cheap Lincoln MKT Insurance

Getting lower rates on car insurance requires having a decent driving record, maintaining a good credit score, being claim-free, and deciding if full coverage is necessary. Compare prices at least once a year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following items are a quick review of the primary concepts that were covered above.

• You may be able to save as much as $140 per year just by quoting online in advance
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,430 more each year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $350 each year
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $410 a month if the policy includes full coverage