Lincoln MKT Insurance Rates

The average insurance prices for a Lincoln MKT are $1,200 every 12 months with full coverage. Comprehensive costs approximately $212, collision costs $274, and liability is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,580. Teen drivers 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:

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different MKT trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of using price averages.

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

Additional Rate Information

The chart below details estimated Lincoln MKT insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $726
• Raising to $1,000 deductibles will save $110 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,200
• Choosing more expensive low deductibles increases the price to $1,412
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,580 or more
• Policy cost to insure a teen driver with full coverage can cost $4,768

View Chart as Image

Insurance rates for a Lincoln MKT also range considerably based on liability limits and deductibles, your driving record, and the model of your MKT.

Choosing high deductibles can reduce rates by up to $330 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 130% more than average. View High Risk Driver Rates

Your home state also has a big influence on Lincoln MKT insurance prices. A middle-age driver might find rates as low as $870 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates will be varied.

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 Shop for More Affordable Lincoln MKT Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The items below are a summary of the primary concepts that were covered above.

• You may be able to save around $140 per year simply by shopping early and online
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,380 more per year to insure their MKT
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Teen drivers are expensive to insure, as much as $397 each month if they have full coverage