Lincoln MKX Insurance Rates

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UPDATED: Apr 4, 2024

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Estimated auto insurance rates for a Lincoln MKX are $1,270 annually including full coverage. Comprehensive costs approximately $230 each year, collision insurance costs $422, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $2,756. 16-year-old 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, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and MKX models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Lincoln MKX range from as cheap as $510 for liability-only coverage to a high rate of $2,756 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

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

These rate differences highlight why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

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Additional Charts and Tables

The chart below breaks down average Lincoln MKX insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $739
  • Using higher $1,000 deductibles will save $150 every year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,270
  • Buying low deductibles for physical damage coverage will cost $1,556
  • High-risk insureds with multiple tickets or accidents could pay around $2,756
  • An auto insurance policy with full coverage for a 16-year-old driver can cost $4,918 or more

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

Insurance prices for a Lincoln MKX also have a wide range based on the model of your MKX, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $440 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lincoln MKX insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,810 on average in Louisiana, New York, and Michigan.

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

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

Finding better rates on insurance for a Lincoln MKX requires avoiding accidents and violations, having good credit, refrain from filing small claims, and consideration of higher deductibles. Take the time to compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a brief review of the primary concepts that were covered in the above illustrations.

  • You may be able to save around $150 per year just by quoting online in advance
  • Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,490 more per year for car insurance
  • Increasing policy deductibles could save up to $425 each year
  • Teenagers are the costliest to insure, with the cost nearing $410 per month if they have full coverage

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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