Lincoln MKC Insurance Rates

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UPDATED: Apr 14, 2024

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Average insurance rates for a Lincoln MKC are $1,334 a year for full coverage. Comprehensive insurance costs on average $250 each year, collision insurance costs $470, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs $2,900 or more. Teenage drivers receive the highest rates at up to $5,118 a year.

Average premium for full coverage: $1,334

Rate estimates by individual coverage type:

Comprehensive $250
Collision $470
Liability $456

Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and MKC models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $508 for your basic liability-only policy to a high rate of $2,900 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,334
High Risk $2,900

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

These examples show why all drivers should compare rates based on a specific location and risk profile, rather than using average rates.

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.

More Rate Information

The chart below shows average Lincoln MKC insurance rates for different risk profiles and scenarios.

  • The best discount rate is $769
  • Drivers who choose higher $1,000 deductibles will pay around $164 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,334
  • Using low deductibles for comprehensive and collision insurance will cost an extra $318 each year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,900
  • The cost for full coverage for a teenage driver may cost $5,118 a year

View Chart as Image

Lincoln MKC insurance cost comparison chart
Column chart showing Lincoln MKC insurance prices range from $769 to $5,118 for full coverage

Car insurance rates for a Lincoln MKC can also vary considerably based on your driver profile, the trim level of your MKC, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $5,100 a year. View Rates by Age

Where you live makes a big difference in Lincoln MKC insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,900 on average in Michigan, Louisiana, and New York.

Lincoln MKC Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,206 -$128 -9.6%
Alaska $1,024 -$310 -23.2%
Arizona $1,108 -$226 -16.9%
Arkansas $1,334 -$0 0.0%
California $1,520 $186 13.9%
Colorado $1,274 -$60 -4.5%
Connecticut $1,370 $36 2.7%
Delaware $1,510 $176 13.2%
Florida $1,670 $336 25.2%
Georgia $1,230 -$104 -7.8%
Hawaii $960 -$374 -28.0%
Idaho $902 -$432 -32.4%
Illinois $994 -$340 -25.5%
Indiana $1,004 -$330 -24.7%
Iowa $900 -$434 -32.5%
Kansas $1,266 -$68 -5.1%
Kentucky $1,820 $486 36.4%
Louisiana $1,974 $640 48.0%
Maine $824 -$510 -38.2%
Maryland $1,100 -$234 -17.5%
Massachusetts $1,068 -$266 -19.9%
Michigan $2,318 $984 73.8%
Minnesota $1,116 -$218 -16.3%
Mississippi $1,598 $264 19.8%
Missouri $1,184 -$150 -11.2%
Montana $1,434 $100 7.5%
Nebraska $1,050 -$284 -21.3%
Nevada $1,600 $266 19.9%
New Hampshire $960 -$374 -28.0%
New Jersey $1,490 $156 11.7%
New Mexico $1,180 -$154 -11.5%
New York $1,404 $70 5.2%
North Carolina $768 -$566 -42.4%
North Dakota $1,090 -$244 -18.3%
Ohio $920 -$414 -31.0%
Oklahoma $1,370 $36 2.7%
Oregon $1,220 -$114 -8.5%
Pennsylvania $1,272 -$62 -4.6%
Rhode Island $1,778 $444 33.3%
South Carolina $1,208 -$126 -9.4%
South Dakota $1,124 -$210 -15.7%
Tennessee $1,168 -$166 -12.4%
Texas $1,606 $272 20.4%
Utah $988 -$346 -25.9%
Vermont $914 -$420 -31.5%
Virginia $800 -$534 -40.0%
Washington $1,030 -$304 -22.8%
West Virginia $1,222 -$112 -8.4%
Wisconsin $924 -$410 -30.7%
Wyoming $1,188 -$146 -10.9%

View Chart as Image

Lincoln MKC insurance rates by U.S. city

Using high physical damage deductibles could save up to $490 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

Lincoln MKC Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKC $260 $500 $452 $1,370
2019 Lincoln MKC $250 $470 $456 $1,334
2018 Lincoln MKC $240 $422 $460 $1,280
2017 Lincoln MKC $224 $388 $460 $1,230
2016 Lincoln MKC $216 $364 $464 $1,202
2015 Lincoln MKC $210 $340 $474 $1,182

Rates are averaged for all Lincoln MKC 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 Low Cost Lincoln MKC Insurance

Saving money on auto insurance not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to shop around once a year by getting quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following list is a review of the data that was illustrated above.

  • Drivers can save as much as $160 per year just by quoting online in advance
  • Consumers who require an increased level of liability coverage will pay an extra $500 each year to go from a minimum limit to 250/500 limits
  • Drivers age 16 to 20 are expensive to insure, costing as high as $427 per month if full coverage is included
  • Drivers who have several accidents or serious violations will pay on average $1,570 more each year than a safer driver

Rates by Driver Age

Lincoln MKC Insurance Rates by Driver Age
Driver Age Premium
16 $5,118
20 $3,096
30 $1,380
40 $1,334
50 $1,220
60 $1,196

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,652
$250 $1,502
$500 $1,334
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKC Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,425
100/300 $1,539
250/500 $1,836
100 CSL $1,471
300 CSL $1,722
500 CSL $1,904

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKC Insurance Rates for High Risk Drivers
Age Premium
16 $7,286
20 $4,934
30 $2,950
40 $2,900
50 $2,770
60 $2,746

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 $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $87
Paid in Full/EFT $59
Advance Quote $65
Online Quote $94
Total Discounts $565
Rate after discounts $769

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

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