Lincoln MKT Insurance Rates

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UPDATED: Apr 26, 2024

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Average insurance rates for a Lincoln MKT are $1,200 a year for full coverage. Comprehensive insurance costs approximately $212, collision costs $274, and liability insurance costs $534. A liability-only policy costs as little as $588 a year, with high-risk insurance costing $2,580 or more. 16-year-old drivers receive the highest rates at $4,768 a year or more.

Average premium for full coverage: $1,200

Rate estimates by individual coverage type:

Comprehensive $212
Collision $274
Liability $534

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different MKT trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $588 for a discount liability-only rate to a much higher rate of $2,580 for a high-risk driver policy.

Liability Only $588
Full Coverage $1,200
High Risk $2,580

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have a lower frequency of accident claims than congested cities.

The price range example below illustrates how your location can change auto insurance prices.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These examples show why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on rate 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $726
  • Drivers who choose higher $1,000 deductibles will pay $110 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,200
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $212 a year
  • High risk drivers with multiple tickets or accidents could pay around $2,580 or more
  • The cost for full coverage for a teen driver with full coverage can cost $4,768 a year

View Chart as Image

Lincoln MKT insurance cost comparison chart
Column chart showing full coverage Lincoln MKT insurance prices range from $726 to $4,768

Insurance rates for a Lincoln MKT can also vary considerably based on your driver profile, the trim level of your MKT, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live makes a big difference in Lincoln MKT insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or at least $1,720 on average in New York, Louisiana, and Michigan.

Lincoln MKT Insurance Rates by State
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%

View Chart as Image

Lincoln MKT insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $330 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $480 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Every company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Lincoln MKT Insurance Rates by Model and Trim Level
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.

Lincoln MKT Insurance Rates by Model Year
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 Cheap Lincoln MKT Insurance

Saving money on Lincoln MKT insurance not only requires avoiding accidents and violations, but also maintaining good credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The list below is a brief summary of the information illustrated above.

  • Drivers can save around $140 per year simply by shopping early and online
  • Teenagers are expensive to insure, costing as high as $397 per month for full coverage
  • Increasing deductibles can save around $325 each year
  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,380 more per year for car insurance
  • Drivers who purchase higher liability limits will pay around $590 each year to go from a minimum limit to 250/500 limits

Rates by Driver Age

Lincoln MKT Insurance 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

Lincoln MKT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,316
$500 $1,200
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKT Insurance Rates with Different Liability Limits
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

Lincoln MKT Insurance 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.

SR-22 Surcharge $160

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
Rate after discounts $726

Discounts are estimated and may not be available from every company or in every state.

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