Lincoln MKX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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U.S. average auto insurance rates for a Lincoln MKX are $1,030 annually with full coverage. Comprehensive insurance costs on average $160 each year, collision costs $238, and liability coverage costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,222 or more. Teen drivers pay the highest rates at $4,156 a year or more.

Average premium for full coverage: $1,030

Price estimates by individual coverage:

Comprehensive $160
Collision $238
Liability $474

These estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and MKX models.

Price Range from Low to High

Using a 40-year-old driver as an example, Lincoln MKX insurance prices go from as cheap as $522 for minimum levels of liability insurance to a high rate of $2,222 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,030
High Risk $2,222

Geographic Price Range

Your location has a large influence on auto insurance rates. Rural areas have fewer collision claims than larger metro areas.

The graphic below illustrates how rural and urban location affects car insurance rates.

Rural Areas $773
Small Cities $1,082
Large Cities $1,391

The ranges above demonstrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than using price 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.

Additional Rate Details

The chart below details estimated Lincoln MKX insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $621
  • Drivers who choose higher $1,000 deductibles will pay around $90 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,030
  • Choosing low deductibles for comprehensive and collision insurance costs an additional $172 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,222 or more
  • The price with full coverage for a teenage driver may cost $4,156 a year

View Chart as Image

Lincoln MKX insurance cost comparison chart
Column chart showing full coverage Lincoln MKX insurance prices range from $621 to $4,156

Insurance prices for a Lincoln MKX are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,800 additional each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $270 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lincoln MKX insurance rates. A 40-year-old driver could pay as low as $740 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,390 on average in Florida, Michigan, and New York.

Lincoln MKX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $930 -$100 -9.7%
Alaska $788 -$242 -23.5%
Arizona $854 -$176 -17.1%
Arkansas $1,030 -$0 0.0%
California $1,172 $142 13.8%
Colorado $982 -$48 -4.7%
Connecticut $1,058 $28 2.7%
Delaware $1,164 $134 13.0%
Florida $1,288 $258 25.0%
Georgia $950 -$80 -7.8%
Hawaii $738 -$292 -28.3%
Idaho $694 -$336 -32.6%
Illinois $764 -$266 -25.8%
Indiana $774 -$256 -24.9%
Iowa $694 -$336 -32.6%
Kansas $980 -$50 -4.9%
Kentucky $1,404 $374 36.3%
Louisiana $1,522 $492 47.8%
Maine $634 -$396 -38.4%
Maryland $848 -$182 -17.7%
Massachusetts $824 -$206 -20.0%
Michigan $1,788 $758 73.6%
Minnesota $860 -$170 -16.5%
Mississippi $1,232 $202 19.6%
Missouri $912 -$118 -11.5%
Montana $1,106 $76 7.4%
Nebraska $812 -$218 -21.2%
Nevada $1,234 $204 19.8%
New Hampshire $740 -$290 -28.2%
New Jersey $1,150 $120 11.7%
New Mexico $912 -$118 -11.5%
New York $1,084 $54 5.2%
North Carolina $592 -$438 -42.5%
North Dakota $842 -$188 -18.3%
Ohio $710 -$320 -31.1%
Oklahoma $1,058 $28 2.7%
Oregon $942 -$88 -8.5%
Pennsylvania $982 -$48 -4.7%
Rhode Island $1,370 $340 33.0%
South Carolina $932 -$98 -9.5%
South Dakota $868 -$162 -15.7%
Tennessee $902 -$128 -12.4%
Texas $1,240 $210 20.4%
Utah $762 -$268 -26.0%
Vermont $706 -$324 -31.5%
Virginia $616 -$414 -40.2%
Washington $798 -$232 -22.5%
West Virginia $942 -$88 -8.5%
Wisconsin $712 -$318 -30.9%
Wyoming $918 -$112 -10.9%

View Chart as Image

Lincoln MKX insurance rates by U.S. city

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and prices may be quite different between companies.

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 $1,010 $84
Lincoln MKX AWD $1,030 $86

Rates assume 2008 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
2013 Lincoln MKX $206 $364 $464 $1,192
2012 Lincoln MKX $202 $340 $474 $1,174
2008 Lincoln MKX $160 $238 $474 $1,030
2007 Lincoln MKX $154 $214 $468 $994

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 Buy Cheap Lincoln MKX Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief summary of the data raised in the charts and tables above.

  • Consumers who require more liability protection will pay about $520 every year to go from a low limit to higher 250/500 limits
  • You may be able to save as much as $120 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save up to $250 each year
  • Youthful drivers pay higher prices, costing up to $346 a month if they have full coverage

Rates by Driver Age

Lincoln MKX Insurance Rates by Driver Age
Driver Age Premium
16 $4,156
20 $2,366
30 $1,048
40 $1,030
50 $944
60 $926

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,202
$250 $1,122
$500 $1,030
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,030
50/100 $1,125
100/300 $1,243
250/500 $1,551
100 CSL $1,172
300 CSL $1,433
500 CSL $1,623

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKX Insurance Rates for High Risk Drivers
Age Premium
16 $5,860
20 $3,776
30 $2,242
40 $2,222
50 $2,128
60 $2,106

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 $140

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $64
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $46
Online Quote $70
Total Discounts $409
Rate after discounts $621

Discounts are estimated and may not be available from every company or in every state.

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