Lincoln MKX Insurance Rates

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

Average premium for full coverage: $1,324

Price estimates by individual coverage:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and MKX models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

The ranges above highlight why all drivers should compare rates using their specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down average 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 price for the average middle-age driver who chooses $500 deductibles is $1,324
• Using low deductibles for comprehensive and collision insurance will cost an additional $314 annually
• Drivers who are prone to accidents and violations could pay around $2,884
• The price that insures a 16-year-old 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 record and age, and physical damage deductibles and liability limits.

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

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in makes a big difference in Lincoln MKX insurance prices. 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

Using high physical damage deductibles could save up to $480 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

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 Find Cheap Lincoln MKX Insurance

Getting lower rates on insurance for a Lincoln MKX not only requires having a good driving record, but also having above-average credit, being claim-free, and possibly raising deductibles. Compare prices at every other renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a brief summary of the concepts that were presented in the illustrations above.

• Drivers considered higher risk that tend to have accidents or serious violations will likely pay on average $1,560 more per year to buy Lincoln MKX insurance
• Drivers age 20 and younger are expensive to insure, possibly costing $425 a month if full coverage is included
• You may be able to save around $160 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $475 each year
• You may be able to save around $160 per year just by quoting online in advance