Lincoln MKX Insurance Rates

The average insurance prices for a Lincoln MKX are $1,324 every 12 months with full coverage. Comprehensive insurance costs an estimated $240 a year, collision costs $470, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,884 or more. Teens cost the most to insure at $5,102 a year or more.

Average premium for full coverage: $1,324

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and MKX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

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

The examples above demonstrate why it is important to compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $763
• Drivers who choose higher $1,000 deductibles will pay approximately $1,162 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,324
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $314 a year
• High risk drivers with serious driving violations could pay up to $2,884 or more
• Policy cost to insure a teen driver can cost as much as $5,102 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $480 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than the average policy. 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 $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,790 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company calculates rates differently, 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 Affordable Lincoln MKX Insurance

Finding cheaper rates on Lincoln MKX insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at least once a year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a brief review of the primary concepts that were touched on in this article.

• You may be able to save approximately $160 per year simply by quoting early and online
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,560 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Teenagers are expensive to insure, as much as $425 each month if full coverage is included