Lincoln MKX Insurance Rates

Estimated insurance rates for a Lincoln MKX are $1,270 a year for full coverage insurance. Comprehensive insurance costs an estimated $230 a year, collision costs $422, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $2,756 or more. Teenage drivers pay the most at $4,918 a year or more.

Average premium for full coverage: $1,270

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and MKX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates estimated Lincoln MKX insurance rates for other coverage scenarios.

• The best discount rate is $739
• Using higher $1,000 deductibles will save approximately $1,120 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,270
• Using low $100 deductibles for physical damage coverage will cost an extra $286 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,756 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,918 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Lincoln MKX insurance prices. A driver around age 40 might see prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $440 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $414 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 $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and prices will be substantially different from one company to the next.

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 the Best Cheap Lincoln MKX Insurance

Finding better rates on insurance for a Lincoln MKX requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick review of the data that was raised in the charts and tables above.

• It is possible to save approximately $150 per year simply by quoting early and online
• Insureds who want additional liability coverage will pay an extra $510 annually to increase from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $410 per month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,490 more annually than a driver with a clean driving record