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...
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UPDATED: Apr 26, 2024
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Average insurance rates for a Lincoln MKT are $1,200 a year including full coverage. Comprehensive insurance costs on average $212 a year, collision insurance costs $274, and liability costs $534. A liability-only policy costs as little as $588 a year, and high-risk insurance costs $2,580 or more. Teen drivers receive the highest rates at up to $4,768 a year.
Average premium for full coverage: $1,200
Rate estimates by individual coverage type:
Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and MKT trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $588 for your basic liability-only policy to a high of $2,580 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts car insurance rates.
These examples highlight why it is important to compare rates based on a specific location, instead of using price 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.
More Rate Information
The chart below breaks down average Lincoln MKT insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $726
- Drivers who choose higher $1,000 deductibles will pay around $1,090 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,200
- Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $212 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,580
- The cost that insures a teen driver may cost $4,768 a year
Insurance rates for a Lincoln MKT can also vary considerably based on the trim level of your MKT, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 130% more than average. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age
Where you live makes a big difference in Lincoln MKT insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or 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% |
Choosing high deductibles could save up to $330 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 more per 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 the Right Lincoln MKT Insurance
Saving money on car insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and determing if full coverage is necessary. Shop around every other policy renewal by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a quick rundown of the ideas that were touched on above.
- Teenage drivers pay the highest rates, as much as $397 per month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,380 more each year for auto insurance
- Increasing deductibles can save approximately $325 each year
- You may be able to save as much as $140 per year just by quoting early and online
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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