Lincoln MKX Insurance Rates
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UPDATED: Apr 4, 2024
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U.S. average insurance prices for a Lincoln MKX are $1,360 every 12 months with full coverage. Comprehensive costs on average $250 a year, collision insurance costs $500, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs around $2,962. Teen drivers pay the highest rates at up to $5,210 a year.
Average premium for full coverage: $1,360
Price estimates by individual coverage:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and MKX trim levels.
Price Range from Low to High
For a driver around age 40, Lincoln MKX insurance prices range from the cheapest price of $504 for just the minimum liability insurance to a high of $2,962 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Rural areas have more infrequent collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above demonstrate why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based on 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 Analysis
The chart below details average Lincoln MKX insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $779
- Choosing higher $1,000 deductibles can save around $1,190 annually
- The average price for the average middle-age driver with $500 deductibles is $1,360
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,690
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,962
- The price to insure a 16-year-old driver may cost $5,210 each year
Car insurance prices for a Lincoln MKX are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your MKX.
Choosing high deductibles can save as much as $500 annually, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 131% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Lincoln MKX insurance prices. A good driver about age 40 could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,830 on average in Florida, Michigan, and New York.
| 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% |
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 Shop for the Cheapest Lincoln MKX Insurance
Getting lower rates on insurance for a Lincoln MKX takes being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at every other renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a recap of the concepts that were covered above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,600 more each year to insure their MKX
- Teen drivers are expensive to insure, costing up to $434 a month if the policy includes full coverage
- You may be able to save as much as $160 per year just by quoting early and online
- Increasing physical damage deductibles could save as much as $500 each year
- You may be able to save as much as $160 per year just by quoting early and online
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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