Lincoln MKC Insurance Rates

Average insurance prices for a Lincoln MKC are $1,370 every 12 months for full coverage. Comprehensive insurance costs an estimated $260 a year, collision insurance costs $500, and liability coverage is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs $2,978 or more. Teens receive the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Rate estimates broken down by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and MKC trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

These examples show why it is important to compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below shows average Lincoln MKC insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $787
• Raising to $1,000 deductibles will save approximately $1,198 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,370
• Selecting low $100 deductibles costs an extra $334 each year
• Unlucky drivers with serious driving violations could pay up to $2,978
• The cost to insure a teenage driver can cost as much as $5,226

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Insurance rates for a Lincoln MKC can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $510 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 130% more than the average policy. 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 $900 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,950 on average in New York, Louisiana, and Michigan.

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How to Shop for Low Cost Lincoln MKC Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Take the time to comparison shop at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a review of the concepts that were touched on in the above illustrations.

• Drivers who have several accidents or serious violations pay on average $1,610 more annually for car insurance
• Teenagers are expensive to insure, costing as high as $436 per month if full coverage is included
• Drivers can save approximately $170 per year just by quoting early and online
• Increasing deductibles could save as much as $500 each year
• Drivers can save approximately $170 per year just by quoting early and online