Lincoln MKX Insurance Rates

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UPDATED: Apr 4, 2024

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The average insurance prices for a Lincoln MKX are $1,270 every 12 months with full coverage. Comprehensive costs approximately $230, collision insurance costs $422, and liability costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,756. Teen drivers cost the most to insure at up to $4,918 a year.

Average premium for full coverage: $1,270

Policy rates by type of insurance:

Comprehensive $230
Collision $422
Liability $460

Estimates include $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different MKX trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Lincoln MKX insurance rates range from the cheapest price of $510 for minimum levels of liability insurance to a much higher rate of $2,756 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,270
High Risk $2,756

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $953
Small Cities $1,334
Large Cities $1,715

The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of using price averages.

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

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Additional Rate Details

The chart below details average Lincoln MKX insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $739
  • Drivers who choose higher $1,000 deductibles will pay $150 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,270
  • Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,556
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,756
  • Policy cost to insure a teen driver with full coverage can cost $4,918 a year

View Chart as Image

Lincoln MKX insurance cost comparison chart
Column chart showing Lincoln MKX insurance rates range from $739 to $4,918 for full coverage

Car insurance rates for a Lincoln MKX also range considerably based on liability limits and deductibles, your driving record, and the model of your MKX.

Choosing high deductibles could save up to $440 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Your home state makes a big difference in Lincoln MKX insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,710 on average in New York, Michigan, and Florida.

Lincoln MKX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,148 -$122 -9.6%
Alaska $974 -$296 -23.3%
Arizona $1,054 -$216 -17.0%
Arkansas $1,270 -$0 0.0%
California $1,446 $176 13.9%
Colorado $1,214 -$56 -4.4%
Connecticut $1,306 $36 2.8%
Delaware $1,436 $166 13.1%
Florida $1,586 $316 24.9%
Georgia $1,172 -$98 -7.7%
Hawaii $910 -$360 -28.3%
Idaho $860 -$410 -32.3%
Illinois $944 -$326 -25.7%
Indiana $954 -$316 -24.9%
Iowa $854 -$416 -32.8%
Kansas $1,206 -$64 -5.0%
Kentucky $1,732 $462 36.4%
Louisiana $1,878 $608 47.9%
Maine $784 -$486 -38.3%
Maryland $1,048 -$222 -17.5%
Massachusetts $1,016 -$254 -20.0%
Michigan $2,204 $934 73.5%
Minnesota $1,062 -$208 -16.4%
Mississippi $1,520 $250 19.7%
Missouri $1,126 -$144 -11.3%
Montana $1,364 $94 7.4%
Nebraska $1,000 -$270 -21.3%
Nevada $1,524 $254 20.0%
New Hampshire $916 -$354 -27.9%
New Jersey $1,420 $150 11.8%
New Mexico $1,126 -$144 -11.3%
New York $1,338 $68 5.4%
North Carolina $730 -$540 -42.5%
North Dakota $1,040 -$230 -18.1%
Ohio $876 -$394 -31.0%
Oklahoma $1,304 $34 2.7%
Oregon $1,162 -$108 -8.5%
Pennsylvania $1,210 -$60 -4.7%
Rhode Island $1,694 $424 33.4%
South Carolina $1,150 -$120 -9.4%
South Dakota $1,072 -$198 -15.6%
Tennessee $1,110 -$160 -12.6%
Texas $1,530 $260 20.5%
Utah $940 -$330 -26.0%
Vermont $868 -$402 -31.7%
Virginia $760 -$510 -40.2%
Washington $984 -$286 -22.5%
West Virginia $1,162 -$108 -8.5%
Wisconsin $878 -$392 -30.9%
Wyoming $1,132 -$138 -10.9%

View Chart as Image

Lincoln MKX insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Lincoln MKX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKX 2WD $1,238 $103
Lincoln MKX AWD $1,270 $106

Rates assume 2018 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 MKX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKX $250 $500 $452 $1,360
2019 Lincoln MKX $240 $470 $456 $1,324
2018 Lincoln MKX $230 $422 $460 $1,270
2017 Lincoln MKX $214 $388 $460 $1,220
2013 Lincoln MKX $182 $286 $478 $1,104
2012 Lincoln MKX $170 $262 $474 $1,064
2008 Lincoln MKX $150 $198 $452 $958
2007 Lincoln MKX $138 $190 $446 $932

Rates are averaged for all Lincoln MKX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Low Cost Lincoln MKX Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Set aside time to shop around once a year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following is a review of the data that was raised in the charts and tables above.

  • You may be able to save around $150 per year just by shopping early and online
  • Policyholders who purchase higher liability limits will pay about $510 every year to go from a 30/60 limit to a 250/500 level
  • Teens pay the highest auto insurance rates, as much as $410 each month if the policy includes full coverage
  • Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,490 more per year for MKX insurance

Rates by Driver Age

Lincoln MKX Insurance Rates by Driver Age
Driver Age Premium
16 $4,918
20 $2,942
30 $1,310
40 $1,270
50 $1,162
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,422
$500 $1,270
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,270
50/100 $1,362
100/300 $1,477
250/500 $1,776
100 CSL $1,408
300 CSL $1,661
500 CSL $1,845

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKX Insurance Rates for High Risk Drivers
Age Premium
16 $6,988
20 $4,692
30 $2,804
40 $2,756
50 $2,636
60 $2,614

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 $178

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $89
5-yr Claim Free $82
Paid in Full/EFT $54
Advance Quote $61
Online Quote $89
Total Discounts $531
Rate after discounts $739

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

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