Lincoln MKX Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance rates for a Lincoln MKX are $1,360 a year including full coverage. Comprehensive costs on average $250 a year, collision costs $500, and liability insurance is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $2,962. 16-year-old drivers cost the most to insure at $5,210 a year or more.
Average premium for full coverage: $1,360
Policy rates by type of insurance:
Estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and MKX trim levels.
Price Range Variability
For the average driver, Lincoln MKX insurance rates go from as low as $504 for the bare minimum liability coverage to a high of $2,962 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The diagram below illustrates how location impacts car insurance rates.
The examples above highlight why it is important to get quotes based on a specific location and risk profile, rather than relying on rate averages.
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 Rate Information
The chart below breaks down estimated Lincoln MKX insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $779
- Choosing higher $1,000 deductibles can save around $1,190 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,360
- Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,690
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,962 or more
- Policy cost for full coverage for a teen driver may cost $5,210 each year
Insurance rates for a Lincoln MKX also range considerably based on your risk profile, the model of your MKX, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $5,200 a year. View Rates by Age
Your home state plays a big part in determining prices for Lincoln MKX insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,940 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,230 | -$130 | -9.6% |
| Alaska | $1,042 | -$318 | -23.4% |
| Arizona | $1,126 | -$234 | -17.2% |
| Arkansas | $1,360 | -$0 | 0.0% |
| California | $1,546 | $186 | 13.7% |
| Colorado | $1,296 | -$64 | -4.7% |
| Connecticut | $1,396 | $36 | 2.6% |
| Delaware | $1,536 | $176 | 12.9% |
| Florida | $1,700 | $340 | 25.0% |
| Georgia | $1,254 | -$106 | -7.8% |
| Hawaii | $974 | -$386 | -28.4% |
| Idaho | $918 | -$442 | -32.5% |
| Illinois | $1,012 | -$348 | -25.6% |
| Indiana | $1,022 | -$338 | -24.9% |
| Iowa | $916 | -$444 | -32.6% |
| Kansas | $1,290 | -$70 | -5.1% |
| Kentucky | $1,852 | $492 | 36.2% |
| Louisiana | $2,012 | $652 | 47.9% |
| Maine | $838 | -$522 | -38.4% |
| Maryland | $1,120 | -$240 | -17.6% |
| Massachusetts | $1,086 | -$274 | -20.1% |
| Michigan | $2,358 | $998 | 73.4% |
| Minnesota | $1,136 | -$224 | -16.5% |
| Mississippi | $1,626 | $266 | 19.6% |
| Missouri | $1,206 | -$154 | -11.3% |
| Montana | $1,458 | $98 | 7.2% |
| Nebraska | $1,072 | -$288 | -21.2% |
| Nevada | $1,628 | $268 | 19.7% |
| New Hampshire | $980 | -$380 | -27.9% |
| New Jersey | $1,518 | $158 | 11.6% |
| New Mexico | $1,202 | -$158 | -11.6% |
| New York | $1,430 | $70 | 5.1% |
| North Carolina | $784 | -$576 | -42.4% |
| North Dakota | $1,112 | -$248 | -18.2% |
| Ohio | $938 | -$422 | -31.0% |
| Oklahoma | $1,394 | $34 | 2.5% |
| Oregon | $1,244 | -$116 | -8.5% |
| Pennsylvania | $1,296 | -$64 | -4.7% |
| Rhode Island | $1,812 | $452 | 33.2% |
| South Carolina | $1,230 | -$130 | -9.6% |
| South Dakota | $1,146 | -$214 | -15.7% |
| Tennessee | $1,188 | -$172 | -12.6% |
| Texas | $1,638 | $278 | 20.4% |
| Utah | $1,006 | -$354 | -26.0% |
| Vermont | $930 | -$430 | -31.6% |
| Virginia | $814 | -$546 | -40.1% |
| Washington | $1,050 | -$310 | -22.8% |
| West Virginia | $1,244 | -$116 | -8.5% |
| Wisconsin | $940 | -$420 | -30.9% |
| Wyoming | $1,210 | -$150 | -11.0% |
Opting for high physical damage deductibles can save as much as $500 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $407 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 likely paying at a minimum $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKX 2WD | $1,322 | $110 |
| Lincoln MKX AWD | $1,360 | $113 |
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 | $274 | $558 | $430 | $1,420 |
| 2019 Lincoln MKX | $260 | $538 | $442 | $1,398 |
| 2018 Lincoln MKX | $250 | $500 | $452 | $1,360 |
| 2017 Lincoln MKX | $240 | $470 | $456 | $1,324 |
| 2013 Lincoln MKX | $202 | $340 | $474 | $1,174 |
| 2012 Lincoln MKX | $186 | $316 | $474 | $1,134 |
| 2008 Lincoln MKX | $154 | $214 | $468 | $994 |
| 2007 Lincoln MKX | $152 | $208 | $460 | $978 |
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 Low Cost Lincoln MKX Insurance
Finding cheaper rates on Lincoln MKX insurance takes not taking risks behind the wheel, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Spend time shopping around at least once a year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a review of the primary concepts that were touched on above.
- You may be able to save as much as $160 per year simply by quoting early and online
- High-risk drivers who have several accidents or serious violations may pay on average $1,600 more each year for MKX insurance
- Increasing comprehensive and collision deductibles can save around $500 each year
- Teens pay the highest rates, with premiums being up to $434 each month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,210 |
| 20 | $3,164 |
| 30 | $1,408 |
| 40 | $1,360 |
| 50 | $1,244 |
| 60 | $1,220 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,690 |
| $250 | $1,534 |
| $500 | $1,360 |
| $1,000 | $1,190 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,360 |
| 50/100 | $1,450 |
| 100/300 | $1,563 |
| 250/500 | $1,857 |
| 100 CSL | $1,496 |
| 300 CSL | $1,744 |
| 500 CSL | $1,925 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,424 |
| 20 | $5,046 |
| 30 | $3,016 |
| 40 | $2,962 |
| 50 | $2,830 |
| 60 | $2,806 |
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 | $72 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $96 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
