Lincoln MKX Insurance Rates

U.S. average auto insurance rates for a Lincoln MKX are $1,324 annually including full coverage. Comprehensive costs approximately $240 each year, collision costs $470, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $2,884. Teenage drivers pay the highest rates at $5,102 a year or more.

Average premium for full coverage: $1,324

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and MKX models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down estimated Lincoln MKX insurance rates for additional coverage and risk scenarios.

• The best discount rate is $763
• Drivers who choose higher $1,000 deductibles will pay $162 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,324
• Using low deductibles for comprehensive and collision insurance will cost $1,638
• High risk drivers who are prone to accidents and violations could pay around $2,884 or more
• The price with full coverage for a teen driver can cost $5,102 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $480 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 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 $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy Cheaper Lincoln MKX Insurance

Getting lower rates on Lincoln MKX insurance not only requires having a decent driving record, but also having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a condensed summary of the car insurance concepts covered above.

• High-risk drivers with multiple at-fault accidents may have to pay on average $1,560 more per year than a driver with a clean driving record
• You may be able to save around $160 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $475 each year
• Drivers who purchase additional liability coverage will pay an extra $500 per year to go from a low limit to higher 250/500 limits