Lincoln MKX Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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

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.

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