Lincoln MKT Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 26, 2024
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Estimated insurance rates for a Lincoln MKT are $1,248 a year including full coverage. Comprehensive insurance costs around $228 each year, collision costs $300, and liability insurance costs around $540. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing $2,680 or more. Teenage drivers pay the most at $4,916 a year or more.
Average premium for full coverage: $1,248
Premium estimates for type of coverage:
These estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and MKT models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lincoln MKT go from as low as $592 for your basic liability-only policy to a high rate of $2,680 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These rate differences highlight why all drivers should compare prices for a specific zip code and risk profile, rather than relying 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.
More Rate Information
The chart below breaks down estimated Lincoln MKT insurance rates for additional coverage choices and driver risks.
- The best discount rate is $752
- Using higher $1,000 deductibles will save about $120 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,248
- Using low deductibles for physical damage coverage will cost an extra $230 a year
- Drivers who are prone to accidents and violations could pay at least $2,680 or more
- An auto insurance policy for full coverage for a teen driver can be $4,916 or more
Insurance prices for a Lincoln MKT also have a wide range based on your driving characteristics, the model of your MKT, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age
Where you choose to live has a huge impact on Lincoln MKT insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,128 | -$120 | -9.6% |
Alaska | $958 | -$290 | -23.2% |
Arizona | $1,038 | -$210 | -16.8% |
Arkansas | $1,248 | -$0 | 0.0% |
California | $1,422 | $174 | 13.9% |
Colorado | $1,190 | -$58 | -4.6% |
Connecticut | $1,280 | $32 | 2.6% |
Delaware | $1,412 | $164 | 13.1% |
Florida | $1,562 | $314 | 25.2% |
Georgia | $1,154 | -$94 | -7.5% |
Hawaii | $896 | -$352 | -28.2% |
Idaho | $846 | -$402 | -32.2% |
Illinois | $928 | -$320 | -25.6% |
Indiana | $940 | -$308 | -24.7% |
Iowa | $840 | -$408 | -32.7% |
Kansas | $1,184 | -$64 | -5.1% |
Kentucky | $1,702 | $454 | 36.4% |
Louisiana | $1,846 | $598 | 47.9% |
Maine | $770 | -$478 | -38.3% |
Maryland | $1,030 | -$218 | -17.5% |
Massachusetts | $996 | -$252 | -20.2% |
Michigan | $2,166 | $918 | 73.6% |
Minnesota | $1,046 | -$202 | -16.2% |
Mississippi | $1,496 | $248 | 19.9% |
Missouri | $1,104 | -$144 | -11.5% |
Montana | $1,340 | $92 | 7.4% |
Nebraska | $984 | -$264 | -21.2% |
Nevada | $1,496 | $248 | 19.9% |
New Hampshire | $898 | -$350 | -28.0% |
New Jersey | $1,396 | $148 | 11.9% |
New Mexico | $1,104 | -$144 | -11.5% |
New York | $1,314 | $66 | 5.3% |
North Carolina | $718 | -$530 | -42.5% |
North Dakota | $1,024 | -$224 | -17.9% |
Ohio | $862 | -$386 | -30.9% |
Oklahoma | $1,280 | $32 | 2.6% |
Oregon | $1,144 | -$104 | -8.3% |
Pennsylvania | $1,188 | -$60 | -4.8% |
Rhode Island | $1,664 | $416 | 33.3% |
South Carolina | $1,130 | -$118 | -9.5% |
South Dakota | $1,054 | -$194 | -15.5% |
Tennessee | $1,090 | -$158 | -12.7% |
Texas | $1,504 | $256 | 20.5% |
Utah | $924 | -$324 | -26.0% |
Vermont | $854 | -$394 | -31.6% |
Virginia | $746 | -$502 | -40.2% |
Washington | $962 | -$286 | -22.9% |
West Virginia | $1,144 | -$104 | -8.3% |
Wisconsin | $864 | -$384 | -30.8% |
Wyoming | $1,112 | -$136 | -10.9% |
Using high physical damage deductibles could cut prices by as much as $350 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $486 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Lincoln MKT 3.7 2WD | $1,226 | $102 |
Lincoln MKT 3.7 AWD | $1,248 | $104 |
Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Lincoln MKT | $326 | $564 | $500 | $1,570 |
2019 Lincoln MKT | $312 | $524 | $510 | $1,526 |
2018 Lincoln MKT | $300 | $494 | $514 | $1,488 |
2017 Lincoln MKT | $288 | $442 | $520 | $1,430 |
2016 Lincoln MKT | $270 | $408 | $520 | $1,378 |
2015 Lincoln MKT | $260 | $382 | $524 | $1,346 |
2014 Lincoln MKT | $254 | $356 | $534 | $1,324 |
2013 Lincoln MKT | $234 | $330 | $534 | $1,278 |
2012 Lincoln MKT | $228 | $300 | $540 | $1,248 |
2011 Lincoln MKT | $212 | $274 | $534 | $1,200 |
2010 Lincoln MKT | $200 | $250 | $534 | $1,164 |
Rates are averaged for all Lincoln MKT 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 MKT Insurance
Finding better rates on Lincoln MKT insurance requires having a good driving record, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief summary of the data covered in the above illustrations.
- Drivers who may need increased levels of liability coverage will pay an extra $590 per year to increase from 30/60 bodily injury limits to 250/500 limits
- You may be able to save up to $140 per year simply by quoting online in advance
- Increasing policy deductibles can save around $350 each year
- Drivers age 20 and younger are charged the highest prices, with the cost nearing $410 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,916 |
20 | $2,840 |
30 | $1,276 |
40 | $1,248 |
50 | $1,144 |
60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,478 |
$250 | $1,374 |
$500 | $1,248 |
$1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,248 |
50/100 | $1,356 |
100/300 | $1,491 |
250/500 | $1,842 |
100 CSL | $1,410 |
300 CSL | $1,707 |
500 CSL | $1,923 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,946 |
20 | $4,526 |
30 | $2,710 |
40 | $2,680 |
50 | $2,560 |
60 | $2,534 |
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 | $64 |
Multi-vehicle | $66 |
Homeowner | $21 |
5-yr Accident Free | $78 |
5-yr Claim Free | $79 |
Paid in Full/EFT | $47 |
Advance Quote | $56 |
Online Quote | $85 |
Total Discounts | $496 |
Discounts are estimated and may not be available from every company or in every state.
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