Lincoln MKX Insurance Rates

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Cheap 2017 Lincoln MKX Insurance Rates in 2025

Looking for the cheapest auto insurance rates for your Lincoln MKX? Are you tired of scraping the payment together to make your auto insurance payment? You are in the same boat as many other consumers. You have so many auto insurance companies to buy insurance from, and although it's nice to have a choice, more choices can make it harder to find the best rates for your vehicles. Buying car insura...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 4, 2024

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The average insurance prices for a Lincoln MKX are $1,324 every 12 months for full coverage insurance. Comprehensive insurance costs around $240, collision insurance costs $470, and liability coverage is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs $2,884 or more. Teen drivers cost the most to insure at up to $5,102 a year.

Average premium for full coverage: $1,324

Policy rates for type of insurance:

Comprehensive $240
Collision $470
Liability $456

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all MKX models.

Price Range Variability

For a 40-year-old driver, Lincoln MKX insurance rates range from the cheapest price of $508 for liability-only coverage to the much higher price of $2,884 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,324
High Risk $2,884

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas. The example below illustrates how your location can change auto insurance rates.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

The examples above illustrate why everyone should compare rates quotes for a specific zip code and their own driving history, rather than using price 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 Charts and Tables

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

  • The lowest rate with discounts is $763
  • Raising to $1,000 deductibles will save about $162 each year
  • The average price for a good driver age 40 using $500 deductibles is $1,324
  • Choosing pricier low deductibles costs an extra $314 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,884
  • Policy cost to insure a teenage driver for full coverage can be $5,102

View Chart as Image

Lincoln MKX insurance cost comparison chart
Column chart showing Lincoln MKX insurance prices range from $763 to $5,102 for full coverage

Car insurance rates for a Lincoln MKX also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles can reduce rates by up to $480 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $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 are probably paying at least $1,600 to $2,200 extra every year, depending on your age. Lincoln MKX insurance for high-risk drivers is expensive and can cost around 43% to 135% more than average. View High Risk Driver Rates

Your home state also has a big influence on Lincoln MKX insurance rates. A middle-age driver might find rates as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,790 on average in Michigan, New York, and Florida.

Lincoln MKX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$128 -9.7%
Alaska $1,016 -$308 -23.3%
Arizona $1,098 -$226 -17.1%
Arkansas $1,324 -$0 0.0%
California $1,508 $184 13.9%
Colorado $1,264 -$60 -4.5%
Connecticut $1,360 $36 2.7%
Delaware $1,498 $174 13.1%
Florida $1,658 $334 25.2%
Georgia $1,222 -$102 -7.7%
Hawaii $952 -$372 -28.1%
Idaho $894 -$430 -32.5%
Illinois $986 -$338 -25.5%
Indiana $996 -$328 -24.8%
Iowa $894 -$430 -32.5%
Kansas $1,258 -$66 -5.0%
Kentucky $1,806 $482 36.4%
Louisiana $1,958 $634 47.9%
Maine $818 -$506 -38.2%
Maryland $1,092 -$232 -17.5%
Massachusetts $1,060 -$264 -19.9%
Michigan $2,300 $976 73.7%
Minnesota $1,108 -$216 -16.3%
Mississippi $1,586 $262 19.8%
Missouri $1,174 -$150 -11.3%
Montana $1,424 $100 7.6%
Nebraska $1,042 -$282 -21.3%
Nevada $1,586 $262 19.8%
New Hampshire $952 -$372 -28.1%
New Jersey $1,480 $156 11.8%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $762 -$562 -42.4%
North Dakota $1,082 -$242 -18.3%
Ohio $914 -$410 -31.0%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,262 -$62 -4.7%
Rhode Island $1,766 $442 33.4%
South Carolina $1,198 -$126 -9.5%
South Dakota $1,116 -$208 -15.7%
Tennessee $1,160 -$164 -12.4%
Texas $1,594 $270 20.4%
Utah $982 -$342 -25.8%
Vermont $908 -$416 -31.4%
Virginia $794 -$530 -40.0%
Washington $1,022 -$302 -22.8%
West Virginia $1,214 -$110 -8.3%
Wisconsin $918 -$406 -30.7%
Wyoming $1,180 -$144 -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 $1,290 $108
Lincoln MKX AWD $1,324 $110

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 $260 $538 $442 $1,398
2019 Lincoln MKX $250 $500 $452 $1,360
2018 Lincoln MKX $240 $470 $456 $1,324
2017 Lincoln MKX $230 $422 $460 $1,270
2013 Lincoln MKX $186 $316 $474 $1,134
2012 Lincoln MKX $182 $286 $478 $1,104
2008 Lincoln MKX $152 $208 $460 $978
2007 Lincoln MKX $150 $198 $452 $958

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 Shop for the Best Cheap Lincoln MKX Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Invest the time to shop around every other policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a quick review of the ideas that were illustrated above.

  • Drivers age 20 and younger are the costliest to insure, possibly costing $425 each month if the policy includes full coverage
  • Drivers with a DUI or reckless driving violation may pay on average $1,560 more every year to buy Lincoln MKX insurance
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • It is possible to save up to $160 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Lincoln MKX Insurance Rates by Driver Age
Driver Age Premium
16 $5,102
20 $3,082
30 $1,368
40 $1,324
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,490
$500 $1,324
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,415
100/300 $1,529
250/500 $1,826
100 CSL $1,461
300 CSL $1,712
500 CSL $1,894

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKX Insurance Rates for High Risk Drivers
Age Premium
16 $7,264
20 $4,914
30 $2,934
40 $2,884
50 $2,756
60 $2,732

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 $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $58
Advance Quote $65
Online Quote $93
Total Discounts $561
Rate after discounts $763

Discounts are estimated and may not be available from every company or in every state.

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