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...
Licensed Insurance Agent
UPDATED: Apr 4, 2024
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Average insurance rates for a Lincoln MKX are $1,324 a year including full coverage. Comprehensive insurance costs an estimated $240, collision costs $470, and liability is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $2,884 or more. Teenage drivers receive the highest rates at $5,102 a year or more.
Average premium for full coverage: $1,324
Rate estimates broken down by individual coverage type:
Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all MKX models.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $508 for liability-only coverage to the much higher price of $2,884 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The example below illustrates the effect of geographic area on insurance prices.
These examples highlight why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on 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.
Additional Charts and Tables
The chart below breaks down estimated Lincoln MKX insurance rates for other coverage scenarios.
- The best discount rate is $763
- Raising to $1,000 deductibles will save approximately $162 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,324
- Using pricier low deductibles will cost an extra $314 annually
- Drivers who are prone to accidents and violations could pay up to $2,884 or more
- The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,102
Auto insurance rates for a Lincoln MKX can also vary considerably based on your driver profile, the model of your MKX, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age
Where you live also has a big influence on Lincoln MKX insurance prices. A middle-age driver might find rates as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$128 | -9.7% |
| Alaska | $1,016 | -$308 | -23.3% |
| Arizona | $1,098 | -$226 | -17.1% |
| Arkansas | $1,324 | -$0 | 0.0% |
| California | $1,508 | $184 | 13.9% |
| Colorado | $1,264 | -$60 | -4.5% |
| Connecticut | $1,360 | $36 | 2.7% |
| Delaware | $1,498 | $174 | 13.1% |
| Florida | $1,658 | $334 | 25.2% |
| Georgia | $1,222 | -$102 | -7.7% |
| Hawaii | $952 | -$372 | -28.1% |
| Idaho | $894 | -$430 | -32.5% |
| Illinois | $986 | -$338 | -25.5% |
| Indiana | $996 | -$328 | -24.8% |
| Iowa | $894 | -$430 | -32.5% |
| Kansas | $1,258 | -$66 | -5.0% |
| Kentucky | $1,806 | $482 | 36.4% |
| Louisiana | $1,958 | $634 | 47.9% |
| Maine | $818 | -$506 | -38.2% |
| Maryland | $1,092 | -$232 | -17.5% |
| Massachusetts | $1,060 | -$264 | -19.9% |
| Michigan | $2,300 | $976 | 73.7% |
| Minnesota | $1,108 | -$216 | -16.3% |
| Mississippi | $1,586 | $262 | 19.8% |
| Missouri | $1,174 | -$150 | -11.3% |
| Montana | $1,424 | $100 | 7.6% |
| Nebraska | $1,042 | -$282 | -21.3% |
| Nevada | $1,586 | $262 | 19.8% |
| New Hampshire | $952 | -$372 | -28.1% |
| New Jersey | $1,480 | $156 | 11.8% |
| New Mexico | $1,172 | -$152 | -11.5% |
| New York | $1,394 | $70 | 5.3% |
| North Carolina | $762 | -$562 | -42.4% |
| North Dakota | $1,082 | -$242 | -18.3% |
| Ohio | $914 | -$410 | -31.0% |
| Oklahoma | $1,360 | $36 | 2.7% |
| Oregon | $1,212 | -$112 | -8.5% |
| Pennsylvania | $1,262 | -$62 | -4.7% |
| Rhode Island | $1,766 | $442 | 33.4% |
| South Carolina | $1,198 | -$126 | -9.5% |
| South Dakota | $1,116 | -$208 | -15.7% |
| Tennessee | $1,160 | -$164 | -12.4% |
| Texas | $1,594 | $270 | 20.4% |
| Utah | $982 | -$342 | -25.8% |
| Vermont | $908 | -$416 | -31.4% |
| Virginia | $794 | -$530 | -40.0% |
| Washington | $1,022 | -$302 | -22.8% |
| West Virginia | $1,214 | -$110 | -8.3% |
| Wisconsin | $918 | -$406 | -30.7% |
| Wyoming | $1,180 | -$144 | -10.9% |
Using high physical damage deductibles can reduce rates by up to $480 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,600 to $2,200 in extra premium per year, depending on your age. Lincoln MKX insurance for high-risk drivers is expensive and can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKX 2WD | $1,290 | $108 |
| Lincoln MKX AWD | $1,324 | $110 |
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 | $260 | $538 | $442 | $1,398 |
| 2019 Lincoln MKX | $250 | $500 | $452 | $1,360 |
| 2018 Lincoln MKX | $240 | $470 | $456 | $1,324 |
| 2017 Lincoln MKX | $230 | $422 | $460 | $1,270 |
| 2013 Lincoln MKX | $186 | $316 | $474 | $1,134 |
| 2012 Lincoln MKX | $182 | $286 | $478 | $1,104 |
| 2008 Lincoln MKX | $152 | $208 | $460 | $978 |
| 2007 Lincoln MKX | $150 | $198 | $452 | $958 |
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 the Best Cheap Lincoln MKX Insurance
Saving money on insurance for a Lincoln MKX consists of being a safe and courteous driver, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
Below is a quick review of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,560 more annually for auto insurance
- Teenage drivers are the costliest to insure, as much as $425 per month if they have full coverage
- You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $475 each year
- You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,102 |
| 20 | $3,082 |
| 30 | $1,368 |
| 40 | $1,324 |
| 50 | $1,212 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,490 |
| $500 | $1,324 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,324 |
| 50/100 | $1,415 |
| 100/300 | $1,529 |
| 250/500 | $1,826 |
| 100 CSL | $1,461 |
| 300 CSL | $1,712 |
| 500 CSL | $1,894 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,264 |
| 20 | $4,914 |
| 30 | $2,934 |
| 40 | $2,884 |
| 50 | $2,756 |
| 60 | $2,732 |
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 | $70 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $58 |
| Advance Quote | $65 |
| Online Quote | $93 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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