Lincoln MKC Insurance Rates

U.S. average insurance prices for a Lincoln MKC are $1,370 every 12 months including full coverage. Comprehensive insurance costs approximately $260 a year, collision insurance costs $500, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs $2,978 or more. 16-year-old drivers pay the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and MKC trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location and their own driving history, instead of using rate averages.

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

More Rate Information

The chart below breaks down average Lincoln MKC insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $787
• Using higher $1,000 deductibles will save $1,198 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,370
• Buying low $100 deductibles for physical damage coverage costs an extra $334 every year
• Drivers with multiple tickets or accidents could pay around $2,978
• The price to insure a teen driver can cost $5,226 or more

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Insurance prices for a Lincoln MKC are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your MKC.

Opting for high physical damage deductibles could cut prices by as much as $510 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Lincoln MKC insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,950 on average in Louisiana, New York, and Michigan.

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How to Shop for Low Cost Lincoln MKC Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a review of the car insurance concepts covered above.

• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,610 more per year for car insurance
• You may be able to save around $170 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $500 each year
• Policyholders who purchase higher liability limits will pay around $500 per year to increase from a low limit to a 250/500 level