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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U.S. average insurance rates for a Lincoln MKT are $1,200 a year including full coverage. Comprehensive costs on average $212, collision insurance costs $274, and liability is estimated at $534. Buying just liability costs approximately $588 a year, and insurance for high-risk drivers costs around $2,580. Teenage drivers pay the highest rates at up to $4,768 a year.
Average premium for full coverage: $1,200
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all MKT models.
Price Range from Low to High
Using a middle-aged driver as an example, Lincoln MKT insurance prices range from the low end price of $588 for just the minimum liability insurance to the much higher price of $2,580 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.
The ranges above highlight why everyone should get quotes based on a specific location, instead of using average rates.
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.
Additional Rate Analysis
The chart below breaks down average Lincoln MKT insurance rates for different risk profiles and scenarios.
- The best discount rate is $726
- Choosing higher $1,000 deductibles can save around $110 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,200
- Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,412
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,580
- The price that insures a teen driver for full coverage may cost $4,768 each year
Insurance prices for a Lincoln MKT are also quite variable based on the model of your MKT, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 additional each year, depending on your age. Lincoln MKT insurance for high-risk drivers ranges as much as 42% to 130% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age
The state you live in plays a big part in determining prices for Lincoln MKT insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,720 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$114 | -9.5% |
| Alaska | $922 | -$278 | -23.2% |
| Arizona | $998 | -$202 | -16.8% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,370 | $170 | 14.2% |
| Colorado | $1,146 | -$54 | -4.5% |
| Connecticut | $1,234 | $34 | 2.8% |
| Delaware | $1,358 | $158 | 13.2% |
| Florida | $1,504 | $304 | 25.3% |
| Georgia | $1,110 | -$90 | -7.5% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $814 | -$386 | -32.2% |
| Illinois | $892 | -$308 | -25.7% |
| Indiana | $908 | -$292 | -24.3% |
| Iowa | $812 | -$388 | -32.3% |
| Kansas | $1,140 | -$60 | -5.0% |
| Kentucky | $1,638 | $438 | 36.5% |
| Louisiana | $1,780 | $580 | 48.3% |
| Maine | $744 | -$456 | -38.0% |
| Maryland | $992 | -$208 | -17.3% |
| Massachusetts | $960 | -$240 | -20.0% |
| Michigan | $2,086 | $886 | 73.8% |
| Minnesota | $1,006 | -$194 | -16.2% |
| Mississippi | $1,440 | $240 | 20.0% |
| Missouri | $1,064 | -$136 | -11.3% |
| Montana | $1,290 | $90 | 7.5% |
| Nebraska | $948 | -$252 | -21.0% |
| Nevada | $1,444 | $244 | 20.3% |
| New Hampshire | $868 | -$332 | -27.7% |
| New Jersey | $1,344 | $144 | 12.0% |
| New Mexico | $1,064 | -$136 | -11.3% |
| New York | $1,266 | $66 | 5.5% |
| North Carolina | $692 | -$508 | -42.3% |
| North Dakota | $984 | -$216 | -18.0% |
| Ohio | $828 | -$372 | -31.0% |
| Oklahoma | $1,232 | $32 | 2.7% |
| Oregon | $1,102 | -$98 | -8.2% |
| Pennsylvania | $1,144 | -$56 | -4.7% |
| Rhode Island | $1,602 | $402 | 33.5% |
| South Carolina | $1,088 | -$112 | -9.3% |
| South Dakota | $1,016 | -$184 | -15.3% |
| Tennessee | $1,050 | -$150 | -12.5% |
| Texas | $1,446 | $246 | 20.5% |
| Utah | $890 | -$310 | -25.8% |
| Vermont | $824 | -$376 | -31.3% |
| Virginia | $718 | -$482 | -40.2% |
| Washington | $926 | -$274 | -22.8% |
| West Virginia | $1,102 | -$98 | -8.2% |
| Wisconsin | $832 | -$368 | -30.7% |
| Wyoming | $1,070 | -$130 | -10.8% |
Using high physical damage deductibles can save as much as $330 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKT 3.7 2WD | $1,182 | $99 |
| Lincoln MKT 3.7 AWD | $1,200 | $100 |
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 | $312 | $524 | $510 | $1,526 |
| 2019 Lincoln MKT | $300 | $494 | $514 | $1,488 |
| 2018 Lincoln MKT | $288 | $442 | $520 | $1,430 |
| 2017 Lincoln MKT | $270 | $408 | $520 | $1,378 |
| 2016 Lincoln MKT | $260 | $382 | $524 | $1,346 |
| 2015 Lincoln MKT | $254 | $356 | $534 | $1,324 |
| 2014 Lincoln MKT | $234 | $330 | $534 | $1,278 |
| 2013 Lincoln MKT | $228 | $300 | $540 | $1,248 |
| 2012 Lincoln MKT | $212 | $274 | $534 | $1,200 |
| 2011 Lincoln MKT | $200 | $250 | $534 | $1,164 |
| 2010 Lincoln MKT | $194 | $224 | $530 | $1,128 |
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 Affordable Lincoln MKT Insurance
Getting lower rates on car insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Compare prices every other policy renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
Below is a brief review of the ideas that were touched on in the above illustrations.
- Teenage drivers pay higher prices, possibly costing $397 a month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,380 more each year for auto insurance
- Increasing physical damage deductibles can save approximately $325 each year
- You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,768 |
| 20 | $2,736 |
| 30 | $1,226 |
| 40 | $1,200 |
| 50 | $1,102 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,412 |
| $250 | $1,316 |
| $500 | $1,200 |
| $1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,200 |
| 50/100 | $1,307 |
| 100/300 | $1,440 |
| 250/500 | $1,787 |
| 100 CSL | $1,360 |
| 300 CSL | $1,654 |
| 500 CSL | $1,868 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,732 |
| 20 | $4,358 |
| 30 | $2,604 |
| 40 | $2,580 |
| 50 | $2,466 |
| 60 | $2,440 |
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 | $61 |
| Multi-vehicle | $64 |
| Homeowner | $21 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $44 |
| Advance Quote | $53 |
| Online Quote | $82 |
| Total Discounts | $474 |
Discounts are estimated and may not be available from every company or in every state.
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