Lincoln MKT Insurance Rates

Estimated insurance rates for a Lincoln MKT are $1,248 a year including full coverage. Comprehensive costs approximately $228, collision costs $300, and liability insurance costs $540. A policy with only liability insurance costs as little as $592 a year, with a high-risk policy costing around $2,680. Teenage drivers pay the most at $4,916 a year or more.

Average premium for full coverage: $1,248

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different MKT trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $752
• Drivers who choose higher $1,000 deductibles will pay $120 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,248
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,478
• High risk drivers who are prone to accidents and violations could pay around $2,680 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $4,916 a year

View Chart as Image

Car insurance prices for a Lincoln MKT also have a wide range based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Lincoln MKT insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $350 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $486 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes will be substantially different.

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 Find Cheap Lincoln MKT Insurance

Finding better rates on Lincoln MKT insurance not only requires being a good driver, but also having a positive credit history, refrain from filing small claims, and avoiding coverage lapses. Compare prices at every other renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a brief summary of the concepts that were touched on in this article.

• High-risk drivers that tend to have accidents or serious violations will likely pay on average $1,430 more per year than a safer driver
• Drivers age 16 to 20 pay the highest auto insurance prices, with the cost nearing $410 per month if full coverage is purchased
• You may be able to save around $140 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $350 each year
• You may be able to save around $140 per year simply by shopping early and online