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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Estimated insurance rates for a Lincoln MKC are $1,334 a year for full coverage insurance. Comprehensive costs approximately $250 each year, collision costs $470, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $2,900. 16-year-old drivers pay the most at $5,118 a year or more.
Average premium for full coverage: $1,334
Premium estimates by type of coverage:
Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and MKC models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Lincoln MKC go from the low end price of $508 for just liability coverage to a high rate of $2,900 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live 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 congested cities.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why all drivers should compare prices using their specific location, instead of making a decision based 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.
Detailed Rate Analysis
The chart below illustrates estimated Lincoln MKC insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $769
- Using higher $1,000 deductibles will save $164 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,334
- Buying low deductibles for physical damage coverage bumps up the cost to $1,652
- High-risk insureds with multiple tickets or accidents could pay around $2,900 or more
- An auto insurance policy that insures a 16-year-old driver can cost $5,118 or more
Insurance prices for a Lincoln MKC also have a wide range based on the trim level and model year, 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 extra annually, depending on your age. Insurance for high-risk drivers can be from 43% to 134% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,100 a year. View Rates by Age
Where you choose to live has a huge impact on Lincoln MKC insurance prices. A driver around age 40 might see prices as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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% |
Opting for high physical damage deductibles could cut prices by as much as $490 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per 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 do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so the 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 Affordable Lincoln MKC Insurance
Finding better rates on insurance for a Lincoln MKC requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every other policy renewal by getting quotes from direct insurance companies, and also from your local car insurance providers.
The next list is a brief review of the ideas that were raised in the charts and tables above.
- Drivers age 20 and younger are expensive to insure, with premiums being up to $427 per month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,570 more per year to buy Lincoln MKC insurance
- Increasing policy deductibles can save approximately $475 each year
- It is possible to save around $160 per year simply by quoting online in advance
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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