Lincoln MKC Insurance Rates
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UPDATED: Apr 14, 2024
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Estimated insurance prices for a Lincoln MKC are $1,408 every 12 months for full coverage insurance. Comprehensive insurance costs around $270 a year, collision costs $538, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $3,070 or more. Teenage drivers pay the most at $5,352 a year or more.
Average premium for full coverage: $1,408
Premium estimates for type of coverage:
These estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and MKC trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Lincoln MKC go from the cheapest price of $496 for the bare minimum liability coverage to a high of $3,070 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, 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.
Additional Rate Information
The chart below illustrates estimated Lincoln MKC insurance rates for additional coverage choices and driver risks.
- The best discount rate is $804
- Raising to $1,000 deductibles will save about $1,226 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,408
- Using low $100 deductibles costs an extra $358 annually
- Drivers who are prone to accidents and violations could pay at least $3,070 or more
- An auto insurance policy to insure a 16-year-old driver can be $5,352
Insurance prices for a Lincoln MKC also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles can reduce prices by up to $540 annually, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Lincoln MKC insurance prices. A middle-age driver might find prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,900 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKC | $286 | $558 | $430 | $1,432 |
| 2019 Lincoln MKC | $270 | $538 | $442 | $1,408 |
| 2018 Lincoln MKC | $260 | $500 | $452 | $1,370 |
| 2017 Lincoln MKC | $250 | $470 | $456 | $1,334 |
| 2016 Lincoln MKC | $240 | $422 | $460 | $1,280 |
| 2015 Lincoln MKC | $224 | $388 | $460 | $1,230 |
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 Shop for Cheap Lincoln MKC Insurance
Finding better rates on insurance for a Lincoln MKC consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates at every policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below you'll find a brief summary of the data covered above.
- Insureds who may need more liability protection will pay an extra $490 annually to raise from 30/60 bodily injury limits to a 250/500 level
- It is possible to save up to $170 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $550 each year
- Youthful drivers pay higher prices, with premiums being up to $446 per month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,766 |
| $250 | $1,600 |
| $500 | $1,408 |
| $1,000 | $1,226 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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