Lincoln MKX Insurance Rates

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

Average premium for full coverage: $1,270

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and MKX models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates the difference location can make on insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and their own driving history, rather than using price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Lincoln MKX insurance rates for other coverage scenarios.

• The lowest rate with discounts is $739
• Drivers who choose higher $1,000 deductibles will pay approximately $150 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,270
• Choosing low deductibles for comprehensive and collision insurance costs an extra $286 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,756 or more
• Policy cost to insure a teenage driver can cost as much as $4,918 a year

View Chart as Image

Insurance rates for a Lincoln MKX also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles could save up to $440 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $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 are probably paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 132% more than average. View High Risk Driver Rates

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 as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Cheapest Lincoln MKX Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and maximizing policy discounts. Make time to compare rates once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a recap of the data that was touched on in this article.

• It is possible to save approximately $150 per year simply by quoting online in advance
• Consumers who want additional liability coverage will pay about $510 annually to go from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are expensive to insure, possibly costing $410 each month if full coverage is included
• Drivers that have major violations or accidents could be forced to pay on average $1,490 more annually than a driver with a clean driving record