Lincoln MKT Insurance Rates

Average insurance prices for a Lincoln MKT are $1,200 every 12 months including full coverage. Comprehensive costs an estimated $212, collision insurance costs $274, and liability coverage costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs around $2,580. Teenage drivers receive the highest rates at up to $4,768 a year.

Average premium for full coverage: $1,200

Rate estimates broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all MKT models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects insurance prices.

These examples highlight why everyone should compare rates for a targeted area and their own driving history, rather than using average rates.

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

Additional Charts and Tables

The chart below breaks down average Lincoln MKT insurance rates for other coverage scenarios.

• The best discount rate is $726
• Drivers who choose higher $1,000 deductibles will pay approximately $110 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,200
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,412
• High-risk insureds who are prone to accidents and violations could pay up to $2,580
• The cost to insure a teenage driver for full coverage can cost as much as $4,768 a year

View Chart as Image

Insurance rates for a Lincoln MKT can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $330 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,400 to $2,000 additional per year, depending on your age. Lincoln MKT insurance for high-risk drivers can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Lincoln MKT insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,720 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Cheaper Lincoln MKT Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a condensed summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
• Drivers with multiple at-fault accidents may have to pay on average $1,380 more annually than a driver with a clean driving record
• Increasing deductibles could save as much as $325 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $397 per month if full coverage is included