Lincoln MKC Insurance Rates

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UPDATED: Apr 14, 2024

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Estimated auto insurance rates for a Lincoln MKC are $1,370 annually including full coverage. Comprehensive insurance costs approximately $260 each year, collision insurance costs $500, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs $2,978 or more. 16-year-old drivers pay the most at up to $5,226 a year.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Comprehensive $260
Collision $500
Liability $452

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and MKC models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Lincoln MKC range from as cheap as $504 for a discount liability-only rate to a high rate of $2,978 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.

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

These rate differences highlight why all drivers should get quotes using their specific location and their own personal driving habits, instead of using 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $787
  • Choosing higher $1,000 deductibles can save $172 every year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,370
  • Buying low deductibles for comp and collision coverage costs an additional $334 every year
  • Unlucky drivers with multiple tickets or accidents could pay around $2,978
  • An auto insurance policy with full coverage for a teen driver can cost $5,226 each year

View Chart as Image

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

Insurance prices for a Lincoln MKC also have a wide range based on the model of your MKC, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $510 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lincoln MKC insurance prices. A good driver about age 40 could pay 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.

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
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 Buy More Affordable Lincoln MKC Insurance

Finding better rates on car insurance takes being a good driver, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a summary of the data that was touched on in this article.

  • You may be able to save around $170 per year just by quoting online in advance
  • Policyholders who purchase an increased level of liability coverage will pay around $500 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
  • Drivers age 16 to 20 are expensive to insure, with the cost nearing $436 per month including comprehensive and collision insurance
  • Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,610 more per year than a safer driver

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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