Lincoln MKX Insurance Rates
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UPDATED: Apr 4, 2024
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U.S. average insurance rates for a Lincoln MKX are $1,360 a year for full coverage insurance. Comprehensive costs an estimated $250 a year, collision costs $500, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $2,962. Teenage drivers pay the highest rates at $5,210 a year or more.
Average premium for full coverage: $1,360
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and MKX trim levels.
Price Range from Low to High
For the average driver, Lincoln MKX insurance prices go from as low as $504 for minimum levels of liability insurance to a high of $2,962 for high-risk insurance.
Geographic Price Range
Where you live has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.
The diagram below illustrates how location impacts insurance prices.
The ranges above illustrate why it is important to compare prices for a targeted area and risk profile, rather than relying 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 Details
The chart below illustrates estimated Lincoln MKX insurance rates for other coverage scenarios.
- The best discount rate is $779
- Using higher $1,000 deductibles will save approximately $1,190 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,360
- Using low $100 deductibles for physical damage coverage will increase the cost to $1,690
- Drivers who are prone to accidents and violations could pay up to $2,962 or more
- The price for full coverage for a teen driver can cost as much as $5,210 or more
Auto insurance prices for a Lincoln MKX are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $5,200 a year. View Rates by Age
The state you live in has a huge impact on Lincoln MKX insurance rates. A driver around age 40 might see prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,830 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,230 | -$130 | -9.6% |
| Alaska | $1,042 | -$318 | -23.4% |
| Arizona | $1,126 | -$234 | -17.2% |
| Arkansas | $1,360 | -$0 | 0.0% |
| California | $1,546 | $186 | 13.7% |
| Colorado | $1,296 | -$64 | -4.7% |
| Connecticut | $1,396 | $36 | 2.6% |
| Delaware | $1,536 | $176 | 12.9% |
| Florida | $1,700 | $340 | 25.0% |
| Georgia | $1,254 | -$106 | -7.8% |
| Hawaii | $974 | -$386 | -28.4% |
| Idaho | $918 | -$442 | -32.5% |
| Illinois | $1,012 | -$348 | -25.6% |
| Indiana | $1,022 | -$338 | -24.9% |
| Iowa | $916 | -$444 | -32.6% |
| Kansas | $1,290 | -$70 | -5.1% |
| Kentucky | $1,852 | $492 | 36.2% |
| Louisiana | $2,012 | $652 | 47.9% |
| Maine | $838 | -$522 | -38.4% |
| Maryland | $1,120 | -$240 | -17.6% |
| Massachusetts | $1,086 | -$274 | -20.1% |
| Michigan | $2,358 | $998 | 73.4% |
| Minnesota | $1,136 | -$224 | -16.5% |
| Mississippi | $1,626 | $266 | 19.6% |
| Missouri | $1,206 | -$154 | -11.3% |
| Montana | $1,458 | $98 | 7.2% |
| Nebraska | $1,072 | -$288 | -21.2% |
| Nevada | $1,628 | $268 | 19.7% |
| New Hampshire | $980 | -$380 | -27.9% |
| New Jersey | $1,518 | $158 | 11.6% |
| New Mexico | $1,202 | -$158 | -11.6% |
| New York | $1,430 | $70 | 5.1% |
| North Carolina | $784 | -$576 | -42.4% |
| North Dakota | $1,112 | -$248 | -18.2% |
| Ohio | $938 | -$422 | -31.0% |
| Oklahoma | $1,394 | $34 | 2.5% |
| Oregon | $1,244 | -$116 | -8.5% |
| Pennsylvania | $1,296 | -$64 | -4.7% |
| Rhode Island | $1,812 | $452 | 33.2% |
| South Carolina | $1,230 | -$130 | -9.6% |
| South Dakota | $1,146 | -$214 | -15.7% |
| Tennessee | $1,188 | -$172 | -12.6% |
| Texas | $1,638 | $278 | 20.4% |
| Utah | $1,006 | -$354 | -26.0% |
| Vermont | $930 | -$430 | -31.6% |
| Virginia | $814 | -$546 | -40.1% |
| Washington | $1,050 | -$310 | -22.8% |
| West Virginia | $1,244 | -$116 | -8.5% |
| Wisconsin | $940 | -$420 | -30.9% |
| Wyoming | $1,210 | -$150 | -11.0% |
Using high physical damage deductibles could cut prices by as much as $500 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKX 2WD | $1,322 | $110 |
| Lincoln MKX AWD | $1,360 | $113 |
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 | $274 | $558 | $430 | $1,420 |
| 2019 Lincoln MKX | $260 | $538 | $442 | $1,398 |
| 2018 Lincoln MKX | $250 | $500 | $452 | $1,360 |
| 2017 Lincoln MKX | $240 | $470 | $456 | $1,324 |
| 2013 Lincoln MKX | $202 | $340 | $474 | $1,174 |
| 2012 Lincoln MKX | $186 | $316 | $474 | $1,134 |
| 2008 Lincoln MKX | $154 | $214 | $468 | $994 |
| 2007 Lincoln MKX | $152 | $208 | $460 | $978 |
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
Getting lower rates on Lincoln MKX insurance requires being safe and accident-free, having good credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a condensed summary of the material that was touched on above.
- Drivers who want more liability protection will pay an extra $500 annually to increase from a low limit to 250/500 limits
- Youthful drivers are the costliest to insure, as much as $434 a month if they have full coverage
- High-risk drivers with multiple at-fault accidents pay on average $1,600 more annually than a low-risk driver
- Increasing physical damage deductibles can save around $500 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,210 |
| 20 | $3,164 |
| 30 | $1,408 |
| 40 | $1,360 |
| 50 | $1,244 |
| 60 | $1,220 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,690 |
| $250 | $1,534 |
| $500 | $1,360 |
| $1,000 | $1,190 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,360 |
| 50/100 | $1,450 |
| 100/300 | $1,563 |
| 250/500 | $1,857 |
| 100 CSL | $1,496 |
| 300 CSL | $1,744 |
| 500 CSL | $1,925 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,424 |
| 20 | $5,046 |
| 30 | $3,016 |
| 40 | $2,962 |
| 50 | $2,830 |
| 60 | $2,806 |
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 | $72 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $96 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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