Lincoln MKC Insurance Rates

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UPDATED: Apr 14, 2024

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U.S. average insurance rates for a Lincoln MKC are $1,370 a year for full coverage insurance. Comprehensive insurance costs on average $260, collision insurance costs $500, and liability is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs $2,978 or more. Teenage drivers pay the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Price estimates by individual coverage:

Comprehensive $260
Collision $500
Liability $452

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different MKC trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Lincoln MKC insurance prices range from the low end price of $504 for a discount liability-only rate to a much higher rate of $2,978 for a high-risk insurance policy.

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

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.

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

The ranges above illustrate why anyone shopping for car insurance should get quotes based on a specific location, instead of making a decision based on average rates.

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 illustrates average Lincoln MKC insurance rates for different risk profiles and scenarios.

  • The best discount rate is $787
  • Choosing higher $1,000 deductibles can save around $172 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,370
  • Using more expensive low deductibles for comp and collision coverage will cost an additional $334 annually
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,978
  • The price that insures a 16-year-old driver with full coverage may 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 are also quite variable based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges from 44% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lincoln MKC insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,850 on average in Michigan, New York, and Florida.

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

Using high physical damage deductibles can save as much as $510 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

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 Cheaper Lincoln MKC Insurance

Getting lower rates on insurance for a Lincoln MKC takes being a good driver, having above-average credit, not filing small claims, and determing if full coverage is necessary. Compare prices at least every other year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a condensed summary of the car insurance concepts touched on in the above illustrations.

  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,610 more each year than a safer driver
  • It is possible to save as much as $170 per year just by shopping early and online
  • Increasing physical damage deductibles can save approximately $500 each year
  • Insureds who require an increased level of liability coverage will pay an extra $500 annually to raise limits from a low limit to the 250/500 level

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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