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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Average insurance rates for a Lincoln MKC are $1,334 a year for full coverage. Comprehensive costs an estimated $250, collision costs $470, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $2,900. Teens receive the highest rates at $5,118 a year or more.
Average premium for full coverage: $1,334
Rate estimates broken down by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different MKC trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $508 for liability-only coverage to a much higher rate of $2,900 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects insurance prices.
These examples show why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on 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 shows estimated Lincoln MKC insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $769
- Using higher $1,000 deductibles will save approximately $164 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,334
- Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,652
- High-risk insureds with serious driving violations could pay up to $2,900 or more
- The cost that insures a 16-year-old driver with full coverage can cost as much as $5,118 or more
Auto insurance rates for a Lincoln MKC can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can be from 43% to 134% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age
Where you live has a huge impact on Lincoln MKC insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,900 on average in New York, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $490 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to compare rates from multiple companies. Each insurance company calculates rates differently, and quoted rates can be significantly 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 the Best Cheap Lincoln MKC Insurance
Saving money on insurance for a Lincoln MKC requires being a good driver, maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Compare rates once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a quick review of the data that was touched on in the above illustrations.
- Drivers can save approximately $160 per year simply by shopping early and online
- Insureds who want an increased level of liability coverage will pay approximately $500 each year to increase from a minimum limit to the 250/500 level
- Drivers age 16 to 20 are the costliest to insure, costing as high as $427 per month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,570 more annually than a safer driver
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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