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: Aug 24, 2022

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Average insurance rates for a Lincoln MKT are $1,248 a year with full coverage. Comprehensive insurance costs around $228, collision insurance costs $300, and liability insurance costs around $540. Buying just liability costs as low as $592 a year, and insurance for high-risk drivers costs $2,680 or more. Teen drivers receive the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,248

Rate estimates for individual coverage type:

Comprehensive $228
Collision $300
Liability $540

Price estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all MKT models.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the low end price of $592 for just the minimum liability insurance to the much higher price of $2,680 for high-risk insurance.

Liability Only $592
Full Coverage $1,248
High Risk $2,680

Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

These examples demonstrate why everyone should compare prices for a specific zip code, rather than relying 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 Analysis

The chart below details average Lincoln MKT insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $752
  • Using higher $1,000 deductibles will save about $120 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,248
  • Choosing pricier low deductibles for physical damage coverage will cost an additional $230 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,680
  • The cost that insures a teen driver for full coverage can be $4,916 or more

View Chart as Image

Lincoln MKT insurance cost comparison chart
Column chart showing Lincoln MKT insurance prices range from $752 to $4,916 for full coverage

Auto insurance rates for a Lincoln MKT can also vary considerably based on the model of your MKT, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,100 in extra premium per year, depending on your age. Lincoln MKT insurance for high-risk drivers can be anywhere from 43% to 134% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Where you live has a huge impact on Lincoln MKT insurance rates. A driver around age 40 might see rates as low as $900 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,690 on average in Florida, Michigan, and New York.

Lincoln MKT Insurance Rates by State
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%

View Chart as Image

Lincoln MKT insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $350 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $486 extra every year. View Rates by Deductible or Liability Limit

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 $1,226 $102
Lincoln MKT 3.7 AWD $1,248 $104

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 $228 $300 $540 $1,248

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

Saving money on Lincoln MKT insurance requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Shop around every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a condensed summary of the material that was covered above.

  • Drivers who may need an increased level of liability coverage will pay about $590 every year to increase from a minimum limit to the 250/500 level
  • Drivers age 16 to 20 are expensive to insure, with premiums as much as $410 per month if the policy includes full coverage
  • High-risk drivers with multiple at-fault accidents may pay on average $1,430 more every year than a safer driver
  • Increasing deductibles can save approximately $350 each year

Rates by Driver Age

Lincoln MKT Insurance 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

Lincoln MKT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,478
$250 $1,374
$500 $1,248
$1,000 $1,128

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKT Insurance Rates with Different Liability Limits
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

Lincoln MKT Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $752

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

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