Lincoln MKT Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 26, 2024
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Estimated insurance prices for a Lincoln MKT are $1,248 every 12 months with full coverage. Comprehensive insurance costs an estimated $228, collision costs $300, and liability insurance costs around $540. A liability-only policy costs as low as $592 a year, with high-risk insurance costing $2,680 or more. 16-year-old drivers pay the most at $4,916 a year or more.
Average premium for full coverage: $1,248
Premium estimates broken down by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different MKT trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lincoln MKT go from the cheapest price of $592 for basic liability insurance to a much higher rate of $2,680 for high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities.
The price range example below illustrates how location impacts insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on rate 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.
Rate Comparisons
The chart below details estimated Lincoln MKT insurance rates for other coverage scenarios.
- The best full coverage rate is $752
- Using higher $1,000 deductibles will save approximately $120 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,248
- Buying more expensive low deductibles for physical damage coverage costs an extra $230 a year
- Drivers with multiple tickets or accidents could pay up to $2,680 or more
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $4,916 or more
Auto insurance prices for a Lincoln MKT also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $350 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $486 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Lincoln MKT insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,690 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,128 | -$120 | -9.6% |
| Alaska | $958 | -$290 | -23.2% |
| Arizona | $1,038 | -$210 | -16.8% |
| Arkansas | $1,248 | -$0 | 0.0% |
| California | $1,422 | $174 | 13.9% |
| Colorado | $1,190 | -$58 | -4.6% |
| Connecticut | $1,280 | $32 | 2.6% |
| Delaware | $1,412 | $164 | 13.1% |
| Florida | $1,562 | $314 | 25.2% |
| Georgia | $1,154 | -$94 | -7.5% |
| Hawaii | $896 | -$352 | -28.2% |
| Idaho | $846 | -$402 | -32.2% |
| Illinois | $928 | -$320 | -25.6% |
| Indiana | $940 | -$308 | -24.7% |
| Iowa | $840 | -$408 | -32.7% |
| Kansas | $1,184 | -$64 | -5.1% |
| Kentucky | $1,702 | $454 | 36.4% |
| Louisiana | $1,846 | $598 | 47.9% |
| Maine | $770 | -$478 | -38.3% |
| Maryland | $1,030 | -$218 | -17.5% |
| Massachusetts | $996 | -$252 | -20.2% |
| Michigan | $2,166 | $918 | 73.6% |
| Minnesota | $1,046 | -$202 | -16.2% |
| Mississippi | $1,496 | $248 | 19.9% |
| Missouri | $1,104 | -$144 | -11.5% |
| Montana | $1,340 | $92 | 7.4% |
| Nebraska | $984 | -$264 | -21.2% |
| Nevada | $1,496 | $248 | 19.9% |
| New Hampshire | $898 | -$350 | -28.0% |
| New Jersey | $1,396 | $148 | 11.9% |
| New Mexico | $1,104 | -$144 | -11.5% |
| New York | $1,314 | $66 | 5.3% |
| North Carolina | $718 | -$530 | -42.5% |
| North Dakota | $1,024 | -$224 | -17.9% |
| Ohio | $862 | -$386 | -30.9% |
| Oklahoma | $1,280 | $32 | 2.6% |
| Oregon | $1,144 | -$104 | -8.3% |
| Pennsylvania | $1,188 | -$60 | -4.8% |
| Rhode Island | $1,664 | $416 | 33.3% |
| South Carolina | $1,130 | -$118 | -9.5% |
| South Dakota | $1,054 | -$194 | -15.5% |
| Tennessee | $1,090 | -$158 | -12.7% |
| Texas | $1,504 | $256 | 20.5% |
| Utah | $924 | -$324 | -26.0% |
| Vermont | $854 | -$394 | -31.6% |
| Virginia | $746 | -$502 | -40.2% |
| Washington | $962 | -$286 | -22.9% |
| West Virginia | $1,144 | -$104 | -8.3% |
| Wisconsin | $864 | -$384 | -30.8% |
| Wyoming | $1,112 | -$136 | -10.9% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKT 3.7 2WD | $1,226 | $102 |
| Lincoln MKT 3.7 AWD | $1,248 | $104 |
Rates assume 2012 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 MKT | $326 | $564 | $500 | $1,570 |
| 2019 Lincoln MKT | $312 | $524 | $510 | $1,526 |
| 2018 Lincoln MKT | $300 | $494 | $514 | $1,488 |
| 2017 Lincoln MKT | $288 | $442 | $520 | $1,430 |
| 2016 Lincoln MKT | $270 | $408 | $520 | $1,378 |
| 2015 Lincoln MKT | $260 | $382 | $524 | $1,346 |
| 2014 Lincoln MKT | $254 | $356 | $534 | $1,324 |
| 2013 Lincoln MKT | $234 | $330 | $534 | $1,278 |
| 2012 Lincoln MKT | $228 | $300 | $540 | $1,248 |
| 2011 Lincoln MKT | $212 | $274 | $534 | $1,200 |
| 2010 Lincoln MKT | $200 | $250 | $534 | $1,164 |
Rates are averaged for all Lincoln MKT 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 More Affordable Lincoln MKT Insurance
Finding better rates on Lincoln MKT insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around every couple of years by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a summary of the material that was touched on above.
- Drivers who want higher liability limits will pay around $590 every year to increase from 30/60 bodily injury limits to a 250/500 level
- Teenagers are the costliest to insure, possibly costing $410 per month if comprehensive and collision insurance is included
- High-risk drivers who have multiple accidents or major violations may pay on average $1,430 more annually for car insurance
- Increasing policy deductibles could save as much as $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,916 |
| 20 | $2,840 |
| 30 | $1,276 |
| 40 | $1,248 |
| 50 | $1,144 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,478 |
| $250 | $1,374 |
| $500 | $1,248 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,248 |
| 50/100 | $1,356 |
| 100/300 | $1,491 |
| 250/500 | $1,842 |
| 100 CSL | $1,410 |
| 300 CSL | $1,707 |
| 500 CSL | $1,923 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,946 |
| 20 | $4,526 |
| 30 | $2,710 |
| 40 | $2,680 |
| 50 | $2,560 |
| 60 | $2,534 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $47 |
| Advance Quote | $56 |
| Online Quote | $85 |
| Total Discounts | $496 |
Discounts are estimated and may not be available from every company or in every state.
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