Lincoln MKC Insurance Rates

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UPDATED: Apr 14, 2024

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

Average premium for full coverage: $1,370

Rate estimates for individual coverage type:

Comprehensive $260
Collision $500
Liability $452

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and MKC trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $504 for liability-only coverage to a high of $2,978 for a high-risk insurance policy.

Liability Only $504
Full Coverage $1,370
High Risk $2,978

Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance rates.

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

These examples demonstrate why it is important to get quotes for a specific zip code and risk profile, rather than using averaged prices.

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.

Additional Charts and Tables

The chart below details estimated Lincoln MKC insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $787
  • Choosing higher $1,000 deductibles can save about $1,198 annually
  • The average rate for a 40-year-old driver using $500 deductibles is $1,370
  • Selecting low $100 deductibles for comp and collision coverage will cost an extra $334 each year
  • Drivers with serious driving violations could pay at least $2,978 or more
  • The cost for full coverage for a teenage driver can be $5,226 each year

View Chart as Image

Lincoln MKC insurance cost comparison chart
Column chart showing full coverage Lincoln MKC insurance prices range from $787 to $5,226

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

Where you live plays a big part in determining prices for Lincoln MKC insurance rates. A good driver about age 40 could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,850 on average in Florida, Michigan, and New York.

Lincoln MKC Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,238 -$132 -9.6%
Alaska $1,050 -$320 -23.4%
Arizona $1,136 -$234 -17.1%
Arkansas $1,370 -$0 0.0%
California $1,558 $188 13.7%
Colorado $1,306 -$64 -4.7%
Connecticut $1,408 $38 2.8%
Delaware $1,548 $178 13.0%
Florida $1,712 $342 25.0%
Georgia $1,264 -$106 -7.7%
Hawaii $982 -$388 -28.3%
Idaho $926 -$444 -32.4%
Illinois $1,020 -$350 -25.5%
Indiana $1,030 -$340 -24.8%
Iowa $924 -$446 -32.6%
Kansas $1,300 -$70 -5.1%
Kentucky $1,866 $496 36.2%
Louisiana $2,026 $656 47.9%
Maine $844 -$526 -38.4%
Maryland $1,128 -$242 -17.7%
Massachusetts $1,094 -$276 -20.1%
Michigan $2,378 $1,008 73.6%
Minnesota $1,146 -$224 -16.4%
Mississippi $1,640 $270 19.7%
Missouri $1,214 -$156 -11.4%
Montana $1,470 $100 7.3%
Nebraska $1,080 -$290 -21.2%
Nevada $1,642 $272 19.9%
New Hampshire $988 -$382 -27.9%
New Jersey $1,530 $160 11.7%
New Mexico $1,212 -$158 -11.5%
New York $1,442 $72 5.3%
North Carolina $790 -$580 -42.3%
North Dakota $1,120 -$250 -18.2%
Ohio $946 -$424 -30.9%
Oklahoma $1,404 $34 2.5%
Oregon $1,254 -$116 -8.5%
Pennsylvania $1,306 -$64 -4.7%
Rhode Island $1,826 $456 33.3%
South Carolina $1,240 -$130 -9.5%
South Dakota $1,156 -$214 -15.6%
Tennessee $1,198 -$172 -12.6%
Texas $1,652 $282 20.6%
Utah $1,014 -$356 -26.0%
Vermont $938 -$432 -31.5%
Virginia $820 -$550 -40.1%
Washington $1,058 -$312 -22.8%
West Virginia $1,254 -$116 -8.5%
Wisconsin $948 -$422 -30.8%
Wyoming $1,220 -$150 -10.9%

View Chart as Image

Lincoln MKC insurance rates by U.S. city

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

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and rates can be significantly different from one company to the next.

Lincoln MKC Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKC $270 $538 $442 $1,408
2019 Lincoln MKC $260 $500 $452 $1,370
2018 Lincoln MKC $250 $470 $456 $1,334
2017 Lincoln MKC $240 $422 $460 $1,280
2016 Lincoln MKC $224 $388 $460 $1,230
2015 Lincoln MKC $216 $364 $464 $1,202

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 the Best Cheap Lincoln MKC Insurance

Saving money on auto insurance takes avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least every other year by quoting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The list below is a quick review of the car insurance concepts covered in the charts and tables above.

  • Drivers with a DUI or reckless driving violation pay an average of $1,610 more every year for car insurance
  • You may be able to save up to $170 per year simply by quoting early and online
  • Increasing deductibles can save around $500 each year
  • Consumers who may need higher liability limits will pay approximately $500 every year to raise limits from a minimum limit to 250/500 limits

Rates by Driver Age

Lincoln MKC Insurance Rates by Driver Age
Driver Age Premium
16 $5,226
20 $3,180
30 $1,420
40 $1,370
50 $1,252
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,548
$500 $1,370
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKC Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,370
50/100 $1,460
100/300 $1,573
250/500 $1,867
100 CSL $1,506
300 CSL $1,754
500 CSL $1,935

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKC Insurance Rates for High Risk Drivers
Age Premium
16 $7,448
20 $5,068
30 $3,034
40 $2,978
50 $2,846
60 $2,822

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.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $68
Online Quote $97
Total Discounts $583
Rate after discounts $787

Discounts are estimated and may not be available from every company or in every state.

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