Lincoln MKC Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 17, 2019

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Average insurance rates for a Lincoln MKC are $1,408 a year for full coverage. Comprehensive costs on average $270 a year, collision costs $538, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $3,070. Teen drivers receive the highest rates at $5,352 a year or more.

Average premium for full coverage: $1,408

Rate estimates by individual coverage type:

Comprehensive $270
Collision $538
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and MKC trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $3,070 for a high risk driver.

Liability Only $496
Full Coverage $1,408
High Risk $3,070

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,056
Small Cities $1,478
Large Cities $1,901

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Lincoln MKC insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $804
  • Drivers who choose higher $1,000 deductibles will pay around $1,226 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,408
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,766
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,070 or more
  • The cost for full coverage for a teen driver may cost $5,352 a year

View Chart as Image

Lincoln MKC insurance cost comparison chart
Column chart showing full coverage Lincoln MKC insurance rates range from $804 to $5,352

for a Lincoln MKC can also vary considerably based on your driver profile, the trim level of your MKC, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,300 a year. View Rates by Age

Where you live makes a big difference in Lincoln MKC insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, and New York.

Lincoln MKC Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,274 -$134 -9.5%
Alaska $1,082 -$326 -23.2%
Arizona $1,170 -$238 -16.9%
Arkansas $1,408 -$0 0.0%
California $1,606 $198 14.1%
Colorado $1,346 -$62 -4.4%
Connecticut $1,448 $40 2.8%
Delaware $1,594 $186 13.2%
Florida $1,762 $354 25.1%
Georgia $1,300 -$108 -7.7%
Hawaii $1,012 -$396 -28.1%
Idaho $954 -$454 -32.2%
Illinois $1,050 -$358 -25.4%
Indiana $1,062 -$346 -24.6%
Iowa $950 -$458 -32.5%
Kansas $1,338 -$70 -5.0%
Kentucky $1,922 $514 36.5%
Louisiana $2,086 $678 48.2%
Maine $868 -$540 -38.4%
Maryland $1,164 -$244 -17.3%
Massachusetts $1,128 -$280 -19.9%
Michigan $2,448 $1,040 73.9%
Minnesota $1,178 -$230 -16.3%
Mississippi $1,688 $280 19.9%
Missouri $1,250 -$158 -11.2%
Montana $1,514 $106 7.5%
Nebraska $1,110 -$298 -21.2%
Nevada $1,690 $282 20.0%
New Hampshire $1,014 -$394 -28.0%
New Jersey $1,576 $168 11.9%
New Mexico $1,248 -$160 -11.4%
New York $1,484 $76 5.4%
North Carolina $812 -$596 -42.3%
North Dakota $1,154 -$254 -18.0%
Ohio $974 -$434 -30.8%
Oklahoma $1,448 $40 2.8%
Oregon $1,290 -$118 -8.4%
Pennsylvania $1,344 -$64 -4.5%
Rhode Island $1,880 $472 33.5%
South Carolina $1,276 -$132 -9.4%
South Dakota $1,190 -$218 -15.5%
Tennessee $1,234 -$174 -12.4%
Texas $1,698 $290 20.6%
Utah $1,044 -$364 -25.9%
Vermont $964 -$444 -31.5%
Virginia $844 -$564 -40.1%
Washington $1,090 -$318 -22.6%
West Virginia $1,292 -$116 -8.2%
Wisconsin $976 -$432 -30.7%
Wyoming $1,254 -$154 -10.9%

View Chart as Image

Lincoln MKC insurance rates by U.S. city

Choosing high deductibles could save up to $540 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Lincoln MKC Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Lincoln MKC $270 $538 $442 $1,408
2016 Lincoln MKC $260 $500 $452 $1,370
2015 Lincoln MKC $250 $470 $456 $1,334

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

Saving money on Lincoln MKC insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $550 each year
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $446 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,660 more each year for insurance

Rates by Driver Age

Lincoln MKC Insurance Rates by Driver Age
Driver Age Premium
16 $5,352
20 $3,278
30 $1,466
40 $1,408
50 $1,290
60 $1,266

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,766
$250 $1,600
$500 $1,408
$1,000 $1,226

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKC Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,408
50/100 $1,496
100/300 $1,607
250/500 $1,894
100 CSL $1,541
300 CSL $1,784
500 CSL $1,961

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKC Insurance Rates for High Risk Drivers
Age Premium
16 $7,634
20 $5,230
30 $3,132
40 $3,070
50 $2,934
60 $2,908

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 $201

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $64
Advance Quote $71
Online Quote $100
Total Discounts $604
Rate after discounts $804

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

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