Lincoln MKC Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance rates for a Lincoln MKC are $1,334 a year for full coverage insurance. Comprehensive insurance costs approximately $250, collision costs $470, and liability costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $2,900 or more. Teen drivers pay the most at $5,118 a year or more.
Average premium for full coverage: $1,334
Premium estimates by type of coverage:
These estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all MKC models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lincoln MKC go from the low end price of $508 for your basic liability-only policy to the much higher price of $2,900 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The example below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why everyone should compare rates using their specific location, instead of making a decision based on price 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.
More Rate Information
The chart below illustrates estimated Lincoln MKC insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $769
- Drivers who choose higher $1,000 deductibles will pay $164 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,334
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $318 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,900 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage can cost $5,118 a year
Insurance prices for a Lincoln MKC also have a wide range based on the model of your MKC, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 additional annually, depending on your age. Lincoln MKC insurance for high-risk drivers can cost from 43% to 134% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
Where you choose to live makes a big difference in Lincoln MKC insurance prices. A 40-year-old driver could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,800 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $490 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Every company uses a different rate calculation, and prices will be substantially different.
| 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 Cheap Lincoln MKC Insurance
Finding better rates on insurance for a Lincoln MKC not only requires not taking risks behind the wheel, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at least every other year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The following is a brief summary of the car insurance concepts covered in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,570 more per year for MKC insurance
- It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $475 each year
- Insureds who purchase higher liability limits will pay about $500 annually to go from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,652 |
| $250 | $1,502 |
| $500 | $1,334 |
| $1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
