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: Apr 4, 2024

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Estimated insurance rates for a Lincoln MKX are $1,324 a year including full coverage. Comprehensive costs an estimated $240 a year, collision costs $470, and liability insurance is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $2,884. Teen drivers pay the most at $5,102 a year or more.

Average premium for full coverage: $1,324

Premium estimates broken down by type of coverage:

Comprehensive $240
Collision $470
Liability $456

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and MKX trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Lincoln MKX go from as low as $508 for just liability insurance to a high of $2,884 for a driver who requires high-risk insurance.

Liability Only $508
Full Coverage $1,324
High Risk $2,884

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

These rate differences highlight why it is important to compare rates quotes for a targeted area and risk profile, rather than relying 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.

More Rate Details

The chart below breaks down estimated Lincoln MKX insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $763
  • Raising to $1,000 deductibles will save approximately $1,162 every year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,324
  • Choosing low $100 deductibles will increase the cost to $1,638
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,884 or more
  • An auto insurance policy for full coverage for a teen driver can cost as much as $5,102

View Chart as Image

Lincoln MKX insurance cost comparison chart
Column chart showing full coverage Lincoln MKX insurance rates range from $763 to $5,102

Insurance prices for a Lincoln MKX also have a wide range based on your driving characteristics, the model of your MKX, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $5,100 a year. View Rates by Age

Where you choose to live also has a big influence on Lincoln MKX insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,890 on average in Louisiana, New York, and Michigan.

Lincoln MKX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$128 -9.7%
Alaska $1,016 -$308 -23.3%
Arizona $1,098 -$226 -17.1%
Arkansas $1,324 -$0 0.0%
California $1,508 $184 13.9%
Colorado $1,264 -$60 -4.5%
Connecticut $1,360 $36 2.7%
Delaware $1,498 $174 13.1%
Florida $1,658 $334 25.2%
Georgia $1,222 -$102 -7.7%
Hawaii $952 -$372 -28.1%
Idaho $894 -$430 -32.5%
Illinois $986 -$338 -25.5%
Indiana $996 -$328 -24.8%
Iowa $894 -$430 -32.5%
Kansas $1,258 -$66 -5.0%
Kentucky $1,806 $482 36.4%
Louisiana $1,958 $634 47.9%
Maine $818 -$506 -38.2%
Maryland $1,092 -$232 -17.5%
Massachusetts $1,060 -$264 -19.9%
Michigan $2,300 $976 73.7%
Minnesota $1,108 -$216 -16.3%
Mississippi $1,586 $262 19.8%
Missouri $1,174 -$150 -11.3%
Montana $1,424 $100 7.6%
Nebraska $1,042 -$282 -21.3%
Nevada $1,586 $262 19.8%
New Hampshire $952 -$372 -28.1%
New Jersey $1,480 $156 11.8%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $762 -$562 -42.4%
North Dakota $1,082 -$242 -18.3%
Ohio $914 -$410 -31.0%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,262 -$62 -4.7%
Rhode Island $1,766 $442 33.4%
South Carolina $1,198 -$126 -9.5%
South Dakota $1,116 -$208 -15.7%
Tennessee $1,160 -$164 -12.4%
Texas $1,594 $270 20.4%
Utah $982 -$342 -25.8%
Vermont $908 -$416 -31.4%
Virginia $794 -$530 -40.0%
Washington $1,022 -$302 -22.8%
West Virginia $1,214 -$110 -8.3%
Wisconsin $918 -$406 -30.7%
Wyoming $1,180 -$144 -10.9%

View Chart as Image

Lincoln MKX insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $480 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices will be substantially different from one company to the next.

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 $1,290 $108
Lincoln MKX AWD $1,324 $110

Rates assume 2017 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
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 Find Cheap Lincoln MKX Insurance

Finding better rates on Lincoln MKX insurance consists of avoiding accidents and claims, maintaining good credit, refrain from filing small claims, and taking advantage of discounts. Invest the time to compare rates at every other renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the concepts that were presented in the illustrations above.

  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,560 more annually to insure a Lincoln MKX
  • Drivers under the age of 20 are charged the highest prices, with the cost nearing $425 per month for full coverage
  • You may be able to save approximately $160 per year simply by quoting early and online
  • Increasing policy deductibles can save around $475 each year
  • You may be able to save approximately $160 per year simply by quoting early and online

Rates by Driver Age

Lincoln MKX Insurance Rates by Driver Age
Driver Age Premium
16 $5,102
20 $3,082
30 $1,368
40 $1,324
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,490
$500 $1,324
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,415
100/300 $1,529
250/500 $1,826
100 CSL $1,461
300 CSL $1,712
500 CSL $1,894

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKX Insurance Rates for High Risk Drivers
Age Premium
16 $7,264
20 $4,914
30 $2,934
40 $2,884
50 $2,756
60 $2,732

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $58
Advance Quote $65
Online Quote $93
Total Discounts $561
Rate after discounts $763

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

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