Lincoln MKC Insurance Rates
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UPDATED: Dec 17, 2019
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The average insurance rates for a Lincoln MKC are $1,370 a year for full coverage. Comprehensive costs on average $260 a year, collision insurance costs $500, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs around $2,978. Teen drivers cost the most to insure at up to $5,226 a year.
Average premium for full coverage: $1,370
Policy rates by type of insurance:
These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and MKC trim levels.
Price Range Variability
For the average driver, Lincoln MKC insurance rates range from the low end price of $504 for just liability insurance to a high of $2,978 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location impacts car insurance rates.
The examples above show why it is important to get quotes based on a specific location, rather than relying on price averages.
Use the form below to get customized rates for your location.
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More Rate Details
The chart below shows average Lincoln MKC insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $787
- Choosing higher $1,000 deductibles can save around $1,198 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,370
- Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,704
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,978
- Policy cost that insures a teen driver may cost $5,226 each year
Car insurance rates for a Lincoln MKC also range considerably based on the trim level of your MKC, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age
Your home state plays a big part in determining prices for Lincoln MKC insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles can save as much as $510 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Lincoln MKC||$260||$500||$452||$1,370|
|2016 Lincoln MKC||$250||$470||$456||$1,334|
|2015 Lincoln MKC||$240||$422||$460||$1,280|
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 Cheap Lincoln MKC Insurance
Finding cheaper rates on Lincoln MKC insurance takes not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.
The following is a brief summary of the information touched on above.
- Drivers can save as much as $170 per year just by quoting early and online
- Teens are expensive to insure, costing up to $436 each month if full coverage is purchased
- Increasing comprehensive and collision deductibles can save approximately $500 each year
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,610 more each year for MKC insurance
- Drivers who require higher liability limits will pay about $500 each year to raise limits from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$100|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.
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