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...
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UPDATED: Apr 4, 2024
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The average insurance rates for a Lincoln MKX are $1,324 a year including full coverage. Comprehensive costs an estimated $240 each year, collision insurance costs $470, and liability coverage is $456. Liability-only insurance costs around $508 a year, and high-risk driver insurance costs around $2,884. Teens cost the most to insure at up to $5,102 a year.
Average premium for full coverage: $1,324
Policy rates broken down by type of insurance:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and MKX models.
Price Range Variability
For the average 40-year-old driver, Lincoln MKX insurance rates range from as low as $508 for just liability insurance to a high rate of $2,884 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on insurance prices.
The examples above highlight why all drivers should compare rates quotes for a targeted area and risk profile, rather than 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.
More Rate Details
The chart below breaks down average Lincoln MKX insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $763
- Raising to $1,000 deductibles will save approximately $162 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,324
- Selecting low deductibles will increase the cost to $1,638
- Unlucky drivers with serious driving violations could pay up to $2,884
- Policy cost for full coverage for a teenage driver can cost as much as $5,102
Auto insurance rates for a Lincoln MKX also range considerably based on your risk profile, the model of your MKX, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age
Your home state also has a big influence on Lincoln MKX insurance rates. A middle-age driver might find rates as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,890 on average in Louisiana, New York, and Michigan.
| 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 reduce rates by up to $480 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 135% more than the average policy. View High Risk Driver Rates
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 Cheap Lincoln MKX Insurance
Finding cheaper rates on auto insurance consists of having a decent driving record, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief summary of the primary concepts that were touched on in this article.
- You may be able to save approximately $160 per year just by quoting online in advance
- Drivers that tend to have accidents or serious violations may pay on average $1,560 more annually than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $475 each year
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $425 each month if they have full coverage
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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