Lincoln MKX Insurance Rates

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UPDATED: Apr 4, 2024

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Average auto insurance rates for a Lincoln MKX are $1,270 annually with full coverage. Comprehensive costs around $230, collision costs $422, and liability insurance is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing around $2,756. Teenage drivers receive the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,270

Rate estimates for individual coverage type:

Comprehensive $230
Collision $422
Liability $460

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different MKX trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $510 for minimum levels of liability insurance to a much higher rate of $2,756 for a driver who requires high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

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

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

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Additional Rate Details

The chart below details estimated Lincoln MKX insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $739
  • Raising to $1,000 deductibles will save about $150 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,270
  • Using more expensive low deductibles will cost $1,556
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,756 or more
  • The cost with full coverage for a teen driver with full coverage can be $4,918

View Chart as Image

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

Insurance rates for a Lincoln MKX can also vary considerably based on the trim level of your MKX, your driving record, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $440 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lincoln MKX insurance rates. A middle-age driver might find rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

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

With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

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 Buy Affordable Lincoln MKX Insurance

Saving money on Lincoln MKX insurance consists of avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief review of the concepts that were raised in the charts and tables above.

  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,490 more every year to insure a Lincoln MKX
  • Drivers under the age of 20 are charged the highest rates, with premiums as much as $410 per month if they have full coverage
  • You may be able to save up to $150 per year simply by shopping early and online
  • Increasing deductibles could save up to $425 each year
  • You may be able to save up to $150 per year simply 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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