Lincoln MKT Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 26, 2024
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Estimated insurance rates for a Lincoln MKT are $1,248 a year with full coverage. Comprehensive insurance costs on average $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 by type of coverage:
Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different MKT trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lincoln MKT go from as low as $592 for just liability coverage to a much higher rate of $2,680 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a significant impact on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than congested cities.
The price range example below illustrates how where you live affects car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, 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.
Detailed Rate Analysis
The chart below details estimated Lincoln MKT insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $752
- Using higher $1,000 deductibles will save around $120 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,248
- Buying more expensive low deductibles for physical damage coverage will cost an extra $230 a year
- Drivers with multiple tickets or accidents could pay upwards of $2,680 or more
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,916 or more
Auto insurance prices for a Lincoln MKT also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
An older driver with a good driving record and high 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, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age
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 New Hampshire, Ohio, and Utah, or at least $1,690 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $350 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $486 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $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
With such a large range in prices, the best way to find out exactly what you will pay 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 from one company to the next.
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 Find the Right Lincoln MKT Insurance
Finding better rates on Lincoln MKT insurance requires being a safe and courteous driver, having good credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
Below is a quick rundown of the information touched on in the above illustrations.
- You may be able to save as much as $140 per year simply by shopping early and online
- Teenage drivers are charged the highest prices, possibly costing $410 per month if they have full coverage
- Increasing policy deductibles can save around $350 each year
- High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,430 more each year for auto insurance
- Drivers who require higher levels of liability will pay around $590 every year to increase from 30/60 bodily injury limits to 250/500 limits
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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