Lincoln MKC Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Apr 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $260
Collision $500
Liability $452

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.

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

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.

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

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

View Chart as Image

Lincoln MKC insurance cost comparison chart
Column chart showing Lincoln MKC insurance rates range from $787 to $5,226 for full coverage

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.

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 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

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 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

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles