Lincoln MKC Insurance Rates
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UPDATED: Apr 14, 2024
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Estimated insurance rates for a Lincoln MKC are $1,370 a year with full coverage. Comprehensive costs an estimated $260 a year, collision insurance costs $500, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $2,978. Teenage drivers pay the most at up to $5,226 a year.
Average premium for full coverage: $1,370
Premium estimates broken down by type of coverage:
Includes $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and MKC trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lincoln MKC range from as low as $504 for liability-only coverage to a high of $2,978 for high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.
These rate differences demonstrate why it is important to compare prices for a targeted area and risk profile, rather than using 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.
Additional Charts and Tables
The chart below details average Lincoln MKC insurance rates for other coverage scenarios.
- The best discount rate is $787
- Using higher $1,000 deductibles will save approximately $1,198 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,370
- Using low $100 deductibles for physical damage coverage will increase the cost to $1,704
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,978
- An auto insurance policy for full coverage for a teenage driver can cost as much as $5,226 or more
Insurance prices for a Lincoln MKC also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age
Where you choose to live has a huge impact on Lincoln MKC insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,850 on average in New York, Michigan, and Florida.
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% |
Using high physical damage deductibles could cut prices by as much as $510 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than a normal policy. View High Risk Driver Rates
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 the Cheapest Lincoln MKC Insurance
Finding better rates on auto insurance requires being a safe and courteous driver, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every couple of years by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a recap of the material that was covered in the charts and tables above.
- Consumers who want higher levels of liability will pay an extra $500 every year to increase from 30/60 bodily injury limits to 250/500 limits
- Teenage drivers are charged the highest prices, possibly costing $436 per month for full coverage
- Drivers that have major violations or accidents may pay on average $1,610 more annually for auto insurance
- Increasing policy deductibles can save around $500 each year
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,704 |
$250 | $1,548 |
$500 | $1,370 |
$1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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