Lincoln MKC Insurance Rates

Average insurance rates for a Lincoln MKC are $1,334 a year for full coverage insurance. Comprehensive costs on average $250 a year, collision insurance costs $470, and liability costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs around $2,900. Teen 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:

Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and MKC trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas tend to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location helps determine car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $769
• Using higher $1,000 deductibles will save around $1,170 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,334
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,652
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,900
• The cost that insures a teen driver may cost $5,118 or more

View Chart as Image

Insurance rates for a Lincoln MKC can also vary considerably based on the trim level of your MKC, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 134% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,100 a year. View Rates by Age

Where you live has a huge impact on Lincoln MKC insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,800 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $490 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Lincoln MKC Insurance

Saving money on car insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Shop around every time your policy renews by getting price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a quick rundown of the information covered in the charts and tables above.

• It is possible to save as much as $160 per year just by quoting early and online
• Teenage drivers pay the highest rates, costing up to $427 per month if full coverage is included
• Increasing deductibles can save approximately $475 each year
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,570 more each year for auto insurance
• Policyholders who require higher levels of liability will pay about $500 annually to increase from a minimum limit to the 250/500 level