Lincoln MKX Insurance Rates

U.S. average insurance rates for a Lincoln MKX are $1,270 a year for full coverage insurance. Comprehensive insurance costs approximately $230, collision costs $422, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,756 or more. Teens pay the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,270

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all MKX models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance prices.

The ranges above illustrate why everyone should compare rates using their specific location, rather than using averaged prices.

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 and risk scenarios.

• The cheapest rate after discounts is $739
• Drivers who choose higher $1,000 deductibles will pay $150 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,270
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $286 each year
• High-risk insureds with serious driving violations could pay around $2,756 or more
• The price that insures a teenage driver for full coverage can cost $4,918 a year

View Chart as Image

Auto insurance prices for a Lincoln MKX are also quite variable based on the model of your MKX, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Lincoln MKX insurance for high-risk drivers can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a good 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 will have to pay in the ballpark of $4,900 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 $830 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $440 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every company calculates prices differently, and quoted 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 Cheap Lincoln MKX Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare rates every year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a brief summary of the coverage data covered in the charts and tables above.

• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $425 each year
• Teen drivers have the highest car insurance prices, as much as $410 a month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations could be charged and average of $1,490 more per year to insure their MKX