Lincoln MKC Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 14, 2024
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Average insurance prices for a Lincoln MKC are $1,334 every 12 months with full coverage. Comprehensive costs around $250, collision costs $470, and liability insurance is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing around $2,900. 16-year-old 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:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all MKC models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $508 for your basic liability-only policy to the much higher price of $2,900 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.
The example below illustrates how location helps determine auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on rate 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 details estimated Lincoln MKC insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $769
- Raising to $1,000 deductibles will save about $164 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,334
- Buying pricier low deductibles increases the price to $1,652
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,900 or more
- The cost to insure a teen driver for full coverage can be $5,118
Insurance rates for a Lincoln MKC can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $490 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 additional per year, depending on your age. Lincoln MKC insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Lincoln MKC insurance rates. A middle-age driver might find rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $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% |
With so much variability in rates, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and 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 Shop for More Affordable Lincoln MKC Insurance
Saving money on Lincoln MKC insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a summary of the ideas that were covered in the charts and tables above.
- Drivers age 16 to 20 are charged the highest rates, with premiums as much as $427 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations pay on average $1,570 more every year than a safer driver
- Increasing deductibles could save as much as $475 each year
- You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
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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