Lincoln MKT Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,412 |
$250 | $1,316 |
$500 | $1,200 |
$1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area