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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Estimated insurance rates for a Lincoln MKX are $1,324 a year for full coverage insurance. Comprehensive costs approximately $240 a year, collision insurance costs $470, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs around $2,884. 16-year-old drivers pay the most at up to $5,102 a year.

Average premium for full coverage: $1,324

Premium estimates by type of coverage:

Comprehensive $240
Collision $470
Liability $456

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and MKX trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Lincoln MKX range from as low as $508 for basic liability insurance to a high of $2,884 for a high-risk driver policy.

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

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how location impacts auto insurance prices.

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

These rate differences illustrate why it is important to compare prices using their specific location and risk profile, rather than relying on rate 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.

Rate Comparisons

The chart below illustrates average Lincoln MKX insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $763
  • Using higher $1,000 deductibles will save $1,162 each year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,324
  • Buying low $100 deductibles for physical damage coverage will increase the cost to $1,638
  • Drivers with multiple tickets or accidents could pay around $2,884
  • An auto insurance policy for full coverage for a teen driver can cost $5,102 or more

View Chart as Image

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

Insurance prices for a Lincoln MKX also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live has a huge impact on Lincoln MKX insurance rates. A driver around age 40 might see prices as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,790 on average in Florida, New York, and Michigan.

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

Opting for high physical damage deductibles could cut prices by as much as $480 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

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 Find Cheaper Lincoln MKX Insurance

Finding better rates on Lincoln MKX insurance requires being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a condensed summary of the information touched on above.

  • It is possible to save around $160 per year just by quoting early and online
  • Teenage drivers are the costliest to insure, with premiums being up to $425 per month including comprehensive and collision insurance
  • Increasing policy deductibles can save around $475 each year
  • High-risk drivers with multiple at-fault accidents may pay on average $1,560 more per year for auto insurance
  • Drivers who purchase higher levels of liability will pay around $500 annually to increase from 30/60 bodily injury limits to 250/500 limits

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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