Lincoln MKC Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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The average auto insurance rates for a Lincoln MKC are $1,334 annually with full coverage. Comprehensive insurance costs approximately $250 a year, collision costs $470, and liability coverage costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing $2,900 or more. Teens cost the most to insure at $5,118 a year or more.

Average premium for full coverage: $1,334

Policy rates by type of insurance:

Comprehensive $250
Collision $470
Liability $456

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and MKC trim levels.

Price Range Variability

For a driver around age 40, Lincoln MKC insurance rates go from as cheap as $508 for a discount liability-only rate to a high of $2,900 for a high-risk driver policy.

Liability Only $508
Full Coverage $1,334
High Risk $2,900

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

The examples above demonstrate why it is important to compare prices using their specific location and their own personal driving habits, 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.

Rates by State, City, and Model

The chart below details estimated Lincoln MKC insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $769
  • Using higher $1,000 deductibles will save $1,170 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,334
  • Selecting low $100 deductibles for physical damage coverage costs an additional $318 each year
  • Higher-risk drivers with serious driving violations could pay around $2,900 or more
  • Policy cost with full coverage for a teenage driver can cost $5,118 or more

View Chart as Image

Lincoln MKC insurance cost comparison chart
Column chart showing full coverage Lincoln MKC insurance prices range from $769 to $5,118

Insurance rates for a Lincoln MKC also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $490 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lincoln MKC insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,800 on average in New York, Michigan, and Florida.

Lincoln MKC Insurance Rates by State
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%

View Chart as Image

Lincoln MKC insurance rates by U.S. city

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each insurance company calculates rates differently, so the rates will be varied between companies.

Lincoln MKC Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Lincoln MKC $250 $470 $456 $1,334
2016 Lincoln MKC $240 $422 $460 $1,280
2015 Lincoln MKC $224 $388 $460 $1,230

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 Cheaper Lincoln MKC Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a condensed summary of the information covered above.

  • You may be able to save around $160 per year simply by quoting early and online
  • Drivers under the age of 20 are expensive to insure, as much as $427 each month including comprehensive and collision insurance
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • Drivers with multiple at-fault accidents may pay on average $1,570 more per year to insure a Lincoln MKC
  • Consumers who purchase increased liability limits will pay approximately $500 every year to increase from a 30/60 limit to higher 250/500 limits

Rates by Driver Age

Lincoln MKC Insurance 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

Lincoln MKC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,652
$250 $1,502
$500 $1,334
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKC Insurance Rates with Different Liability Limits
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

Lincoln MKC Insurance 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.

SR-22 Surcharge $188

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
Rate after discounts $769

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

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