Lincoln MKC Insurance Rates
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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
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Average insurance rates for a Lincoln MKC are $1,334 a year with full coverage. Comprehensive insurance costs around $250 each year, collision costs $470, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $2,900 or more. Teen drivers receive the highest rates at $5,118 a year or more.
Average premium for full coverage: $1,334
Rate estimates for individual coverage type:
Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and MKC models.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $508 for just liability coverage to a high rate of $2,900 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why all drivers should get quotes for a specific zip code, 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.
Detailed Rate Analysis
The chart below details estimated Lincoln MKC insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $769
- Choosing higher $1,000 deductibles can save about $164 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,334
- Choosing low deductibles for comp and collision coverage will cost an additional $318 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,900 or more
- The cost that insures a 16-year-old driver can be $5,118 each year
Auto insurance rates for a Lincoln MKC can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 134% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $5,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Lincoln MKC insurance prices. A good driver about age 40 could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,800 on average in Florida, Michigan, and New York.
| 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 can save as much as $490 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates can be significantly 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 Cheaper Lincoln MKC Insurance
Saving money on insurance for a Lincoln MKC takes having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Shop around every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a condensed summary of the information covered in the above illustrations.
- You may be able to save up to $160 per year simply by quoting online in advance
- Drivers age 20 and younger are expensive to insure, with premiums as much as $427 per month if the policy includes full coverage
- Increasing deductibles can save approximately $475 each year
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,570 more every year to buy Lincoln MKC insurance
- Insureds who may need increased levels of liability coverage will pay about $500 every year to raise limits from a minimum limit 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.
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