Lincoln MKX Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 4, 2024
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The average insurance rates for a Lincoln MKX are $1,270 a year for full coverage insurance. Comprehensive costs approximately $230 each year, collision insurance costs $422, and liability coverage costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $2,756. Teenage 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:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and MKX models.
Price Range Variability
Using a 40-year-old driver as an example, Lincoln MKX insurance rates range from as low as $510 for basic liability insurance to a high rate of $2,756 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance prices.
The examples above illustrate why all drivers should compare rates using their specific location and risk profile, rather than using average rates.
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.
Rate Comparisons
The chart below illustrates average Lincoln MKX insurance rates for additional coverage and risk scenarios.
- The best discount rate is $739
- Drivers who choose higher $1,000 deductibles will pay $150 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,270
- Using low deductibles for comprehensive and collision insurance will increase the cost to $1,556
- High-risk insureds who are prone to accidents and violations could pay around $2,756
- Policy cost for full coverage for a teenage driver can cost $4,918 a year
Insurance rates for a Lincoln MKX also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age
Your home state makes a big difference in Lincoln MKX insurance rates. A 40-year-old driver could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $440 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 cheaper rates on auto insurance not only requires having a decent driving record, but also maintaining good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief review of the coverage data raised in the charts and tables above.
- It is possible to save around $150 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $425 each year
- 16 to 18-year-old drivers are expensive to insure, possibly costing $410 each month for full coverage
- Drivers with DUI or reckless driving convictions may pay on average $1,490 more per year than a driver with a clean driving record
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,422 |
| $500 | $1,270 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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