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Lincoln MKT Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Estimated insurance rates for a Lincoln MKT are $1,200 a year for full coverage. Comprehensive insurance costs an estimated $212 each year, collision insurance costs $274, and liability is $534. A policy with only liability insurance costs around $588 a year, and a high-risk policy costs $2,580 or more. Teen drivers pay the most at up to $4,768 a year.

Average premium for full coverage: $1,200

Premium estimates broken down by type of coverage:

Comprehensive $212
Collision $274
Liability $534

Rates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and MKT models.

Insurance Price Range by Risk and Coverage

For a middle-aged driver, insurance rates for a Lincoln MKT range from as low as $588 for the bare minimum liability coverage to a high rate of $2,580 for a high risk driver.

Liability Only $588
Full Coverage $1,200
High Risk $2,580

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates the effect of location on insurance prices.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These rate differences show why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on price 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 Information

The chart below shows average Lincoln MKT insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $726
  • Raising to $1,000 deductibles will save approximately $110 a year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,200
  • Choosing low deductibles will cost an extra $212 annually
  • Drivers with multiple violations and an at-fault accident could pay up to $2,580
  • An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,768

View Chart as Image

Lincoln MKT insurance cost comparison chart
Column chart showing Lincoln MKT insurance prices range from $726 to $4,768 for full coverage

Car insurance prices for a Lincoln MKT also have a wide range based on your driving characteristics, the trim level of your MKT, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $4,700 a year. View Rates by Age

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 $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,720 on average in New York, Louisiana, and Michigan.

Lincoln MKT Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$114 -9.5%
Alaska $922 -$278 -23.2%
Arizona $998 -$202 -16.8%
Arkansas $1,200 -$0 0.0%
California $1,370 $170 14.2%
Colorado $1,146 -$54 -4.5%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,504 $304 25.3%
Georgia $1,110 -$90 -7.5%
Hawaii $862 -$338 -28.2%
Idaho $814 -$386 -32.2%
Illinois $892 -$308 -25.7%
Indiana $908 -$292 -24.3%
Iowa $812 -$388 -32.3%
Kansas $1,140 -$60 -5.0%
Kentucky $1,638 $438 36.5%
Louisiana $1,780 $580 48.3%
Maine $744 -$456 -38.0%
Maryland $992 -$208 -17.3%
Massachusetts $960 -$240 -20.0%
Michigan $2,086 $886 73.8%
Minnesota $1,006 -$194 -16.2%
Mississippi $1,440 $240 20.0%
Missouri $1,064 -$136 -11.3%
Montana $1,290 $90 7.5%
Nebraska $948 -$252 -21.0%
Nevada $1,444 $244 20.3%
New Hampshire $868 -$332 -27.7%
New Jersey $1,344 $144 12.0%
New Mexico $1,064 -$136 -11.3%
New York $1,266 $66 5.5%
North Carolina $692 -$508 -42.3%
North Dakota $984 -$216 -18.0%
Ohio $828 -$372 -31.0%
Oklahoma $1,232 $32 2.7%
Oregon $1,102 -$98 -8.2%
Pennsylvania $1,144 -$56 -4.7%
Rhode Island $1,602 $402 33.5%
South Carolina $1,088 -$112 -9.3%
South Dakota $1,016 -$184 -15.3%
Tennessee $1,050 -$150 -12.5%
Texas $1,446 $246 20.5%
Utah $890 -$310 -25.8%
Vermont $824 -$376 -31.3%
Virginia $718 -$482 -40.2%
Washington $926 -$274 -22.8%
West Virginia $1,102 -$98 -8.2%
Wisconsin $832 -$368 -30.7%
Wyoming $1,070 -$130 -10.8%

View Chart as Image

Lincoln MKT insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $330 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 130% more than average. View High Risk Driver Rates

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 $1,182 $99
Lincoln MKT 3.7 AWD $1,200 $100

Rates assume 2010 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
2010 Lincoln MKT $212 $274 $534 $1,200

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 Find Cheaper Lincoln MKT Insurance

Finding better rates on insurance for a Lincoln MKT consists of having a good driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Take the time to shop around at least every two years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a summary of the information that was covered in this article.

  • Increasing policy deductibles can save around $325 each year
  • Drivers can save approximately $140 per year just by quoting online in advance
  • Insureds who want increased levels of liability coverage will pay about $590 each year to raise from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 20 and younger have the highest car insurance prices, as much as $397 per month if full coverage is included
  • Drivers considered higher risk that have multiple accidents or serious violations pay an average of $1,380 more annually to buy Lincoln MKT insurance

Rates by Driver Age

Lincoln MKT Insurance Rates by Driver Age
Driver Age Premium
16 $4,768
20 $2,736
30 $1,226
40 $1,200
50 $1,102
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,316
$500 $1,200
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKT Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,307
100/300 $1,440
250/500 $1,787
100 CSL $1,360
300 CSL $1,654
500 CSL $1,868

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKT Insurance Rates for High Risk Drivers
Age Premium
16 $6,732
20 $4,358
30 $2,604
40 $2,580
50 $2,466
60 $2,440

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 $160

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $64
Homeowner $21
5-yr Accident Free $74
5-yr Claim Free $75
Paid in Full/EFT $44
Advance Quote $53
Online Quote $82
Total Discounts $474
Rate after discounts $726

Discounts are estimated and may not be available from every company or in every state.

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