Lincoln MKT Insurance Rates

Estimated insurance rates for a Lincoln MKT are $1,200 a year for full coverage insurance. Comprehensive insurance costs on average $212, collision costs $274, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,580 or more. Teenage drivers pay the most at $4,768 a year or more.

Average premium for full coverage: $1,200

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all MKT models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $726
• Raising to $1,000 deductibles will save around $110 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,200
• Using pricier low deductibles will cost an extra $212 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,580 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $4,768

View Chart as Image

Insurance prices for a Lincoln MKT also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Lincoln MKT insurance prices. A middle-age driver might find prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $330 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Lincoln MKT insurance for high-risk drivers is expensive and can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different 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 better rates on insurance for a Lincoln MKT consists of being safe and accident-free, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest the time to compare rates at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief review of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,380 more each year than a low-risk driver
• It is possible to save as much as $140 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $325 each year
• Insureds who require more liability protection will pay an extra $590 annually to raise from 30/60 bodily injury limits to 250/500 limits