Lincoln MKX Insurance Rates

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UPDATED: Apr 4, 2024

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Estimated insurance rates for a Lincoln MKX are $1,270 a year for full coverage insurance. Comprehensive costs on average $230, collision insurance costs $422, and liability is $460. A policy with only liability insurance costs around $510 a year, and a high-risk policy costs around $2,756. Teen drivers pay the most at up to $4,918 a year.

Average premium for full coverage: $1,270

Premium estimates by type of coverage:

Comprehensive $230
Collision $422
Liability $460

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different MKX trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Lincoln MKX range from the low end price of $510 for a discount liability-only rate to a much higher rate of $2,756 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.

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

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using price averages.

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Rates by State, City, and Model

The chart below illustrates average Lincoln MKX insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $739
  • Raising to $1,000 deductibles will save around $150 each year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,270
  • Choosing more expensive low deductibles bumps up the cost to $1,556
  • At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,756
  • An auto insurance policy that insures a teen driver with full coverage may cost $4,918

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 prices for a Lincoln MKX also have a wide range based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Lincoln MKX insurance prices. A middle-age driver might find prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,710 on average in Michigan, New York, 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

Choosing high deductibles can reduce prices by up to $440 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find Affordable Lincoln MKX Insurance

Finding better rates on car insurance consists of having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every other policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a brief review of the ideas that were presented in the illustrations above.

  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $410 per month if full coverage is purchased
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,490 more each year than a driver with a clean driving record
  • Increasing policy deductibles can save approximately $425 each year
  • It is possible to save as much as $150 per year just by shopping early and online

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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