Lincoln MKT Insurance Rates

U.S. average auto insurance rates for a Lincoln MKT are $1,200 annually including full coverage. Comprehensive insurance costs around $212 a year, collision costs $274, and liability costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing $2,580 or more. Teenage drivers pay the highest rates at $4,768 a year or more.

Average premium for full coverage: $1,200

Price estimates for individual coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and MKT trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why it is important to compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

More Rate Information

The chart below breaks down estimated Lincoln MKT insurance rates for additional coverage choices and driver risks.

• The best discount rate is $726
• Using higher $1,000 deductibles will save about $1,090 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,200
• Using low $100 deductibles for physical damage coverage costs an additional $212 every year
• Drivers who are prone to accidents and violations could pay at least $2,580 or more
• The price with full coverage for a teen driver can be $4,768 or more

View Chart as Image

Car insurance prices for a Lincoln MKT are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $330 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lincoln MKT insurance prices. A driver around age 40 might see prices 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.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy Cheaper Lincoln MKT Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the primary concepts that were covered in the above illustrations.

• You may be able to save up to $140 per year simply by quoting early and online
• Higher risk drivers with multiple at-fault accidents may pay on average $1,380 more every year for car insurance
• Increasing physical damage deductibles could save up to $325 each year
• Teenagers are the costliest to insure, possibly costing $397 a month if comprehensive and collision insurance is included