Lincoln MKX Insurance Rates

U.S. average insurance rates for a Lincoln MKX are $1,324 a year for full coverage insurance. Comprehensive insurance costs around $240, collision costs $470, and liability coverage costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing $2,884 or more. Teenage drivers pay the highest rates at $5,102 a year or more.

Average premium for full coverage: $1,324

Price estimates for individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different MKX trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $763
• Drivers who choose higher $1,000 deductibles will pay about $162 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,324
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $314 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,884 or more
• The price that insures a teenage driver with full coverage can be $5,102 a year

View Chart as Image

Insurance prices for a Lincoln MKX are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,100 a year. View Rates by Age

The state you live in makes a big difference in Lincoln MKX insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,790 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $480 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so the prices may be quite different.

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 Find the Best Lincoln MKX Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare prices at least once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief recap of the primary concepts that were presented in the illustrations above.

• It is possible to save up to $160 per year simply by shopping early and online
• Drivers who tend to receive serious violations could be forced to pay on average $1,560 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $475 each year
• 16 to 18-year-old drivers pay higher prices, as much as $425 a month if full coverage is included