Lincoln MKT Insurance Rates

The average insurance rates for a Lincoln MKT are $1,200 a year for full coverage. Comprehensive insurance costs on average $212, collision costs $274, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,580 or more. Teens cost the most to insure at $4,768 a year or more.

Average premium for full coverage: $1,200

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different MKT trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how your location can change car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using averaged prices.

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

Additional Rate Information

The chart below shows estimated Lincoln MKT insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $726
• Drivers who choose higher $1,000 deductibles will pay around $110 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,200
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $212 each year
• High-risk insureds with serious driving violations could pay upwards of $2,580 or more
• Policy cost for full coverage for a teenage driver with full coverage may cost $4,768 a year

View Chart as Image

Insurance rates for a Lincoln MKT also range considerably based on your risk profile, the trim level of your MKT, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Your home state makes a big difference in Lincoln MKT insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,720 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $330 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost around 42% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see how they stack up. Every company calculates rates differently, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Lincoln MKT Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to shop around every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a brief review of the material that was illustrated above.

• Consumers who require more liability coverage will pay approximately $590 each year to go from a 30/60 limit to 250/500 limits
• Teen drivers pay the highest rates, costing up to $397 each month for full coverage
• Drivers with DUI or reckless driving convictions will pay on average $1,380 more each year to insure their MKT
• Increasing comprehensive and collision deductibles can save around $325 each year