Lincoln MKX Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,202 |
| $250 | $1,122 |
| $500 | $1,030 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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