Lincoln MKX Insurance Rates

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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 for full coverage. Comprehensive insurance costs an estimated $240 a year, collision insurance costs $470, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs $2,884 or more. Teenage drivers 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:

Comprehensive $240
Collision $470
Liability $456

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and MKX trim levels.

Price Range Variability

For a driver around age 40, Lincoln MKX insurance rates range from as low as $508 for just the minimum liability insurance to a high of $2,884 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

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

The examples above show why it is important to get quotes 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below shows average Lincoln MKX insurance rates for other coverage scenarios.

  • The best discount rate is $763
  • Choosing higher $1,000 deductibles can save approximately $1,162 a year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,324
  • Using low $100 deductibles for comp and collision coverage will cost an extra $314 annually
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,884
  • Policy cost for full coverage for a 16-year-old driver can cost as much as $5,102 each year

View Chart as Image

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

Auto insurance rates for a Lincoln MKX also range considerably based on your risk profile, the trim level of your MKX, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 annually 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 plays a big part in determining prices for Lincoln MKX insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,890 on average in New York, Louisiana, 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

Using high physical damage deductibles can save as much as $480 annually, while buying higher liability limits will increase premiums. Going 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 could be paying $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 135% more than a normal policy. 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 the Best Lincoln MKX Insurance

Finding cheaper rates on insurance for a Lincoln MKX takes having a good driving record, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a brief recap of the coverage data covered above.

  • Drivers can save approximately $160 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $475 each year
  • Drivers age 20 and younger are the costliest to insure, costing up to $425 each month if they have full coverage
  • Drivers considered higher risk who tend to receive serious violations pay an average of $1,560 more annually to buy Lincoln MKX insurance

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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