Lincoln MKX Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 4, 2024
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Estimated insurance rates for a Lincoln MKX are $1,324 a year including full coverage. Comprehensive insurance costs on average $240, collision costs $470, and liability is estimated at $456. A policy with only liability insurance costs approximately $508 a year, with a high-risk policy costing $2,884 or more. Teens pay the most at $5,102 a year or more.
Average premium for full coverage: $1,324
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all MKX models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Lincoln MKX go from the low end price of $508 for minimum levels of liability insurance to the much higher price of $2,884 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects car insurance rates.
These rate differences highlight why everyone should get quotes based on a specific location, instead of using averaged prices.
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 Details
The chart below breaks down estimated Lincoln MKX insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $763
- Choosing higher $1,000 deductibles can save around $162 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,324
- Selecting pricier low deductibles for comp and collision coverage will cost an additional $314 every year
- Unlucky drivers with serious driving violations could pay upwards of $2,884 or more
- An auto insurance policy that insures a teen driver for full coverage may cost $5,102 each year
Car insurance prices for a Lincoln MKX also have a wide range based on the model of your MKX, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Lincoln MKX insurance for high-risk drivers ranges as much as 43% to 135% more than the average policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,100 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lincoln MKX insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,890 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $480 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer calculates prices differently, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Cheapest Lincoln MKX Insurance
Finding better rates on car insurance takes having a decent driving record, having a positive credit history, refrain from filing small claims, and maximizing policy discounts. Compare rates every year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following items are a recap of the coverage data raised in the charts and tables above.
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $475 each year
- 16 to 18-year-old drivers are expensive to insure, with the cost nearing $425 per month if full coverage is purchased
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,560 more each year than a driver with a clean driving record
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,490 |
| $500 | $1,324 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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