Lincoln MKT Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 26, 2024
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 MKT are $1,200 a year including full coverage. Comprehensive costs on average $212 each year, collision insurance costs $274, and liability coverage is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs around $2,580. 16-year-old drivers pay the most at up to $4,768 a year.
Average premium for full coverage: $1,200
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and MKT models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lincoln MKT range from as low as $588 for a discount liability-only rate to a high rate of $2,580 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.
These rate differences highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than using rate 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.
Rates by State, City, and Model
The chart below breaks down average Lincoln MKT insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $726
- Raising to $1,000 deductibles will save around $110 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,200
- Buying low deductibles will increase the cost to $1,412
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,580
- An auto insurance policy for full coverage for a teenage driver may cost $4,768
Insurance prices for a Lincoln MKT also have a wide range based on your driving characteristics, the model of your MKT, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age
Where you choose to live also has a big influence on Lincoln MKT insurance rates. A middle-age driver might find prices as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,720 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$114 | -9.5% |
| Alaska | $922 | -$278 | -23.2% |
| Arizona | $998 | -$202 | -16.8% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,370 | $170 | 14.2% |
| Colorado | $1,146 | -$54 | -4.5% |
| Connecticut | $1,234 | $34 | 2.8% |
| Delaware | $1,358 | $158 | 13.2% |
| Florida | $1,504 | $304 | 25.3% |
| Georgia | $1,110 | -$90 | -7.5% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $814 | -$386 | -32.2% |
| Illinois | $892 | -$308 | -25.7% |
| Indiana | $908 | -$292 | -24.3% |
| Iowa | $812 | -$388 | -32.3% |
| Kansas | $1,140 | -$60 | -5.0% |
| Kentucky | $1,638 | $438 | 36.5% |
| Louisiana | $1,780 | $580 | 48.3% |
| Maine | $744 | -$456 | -38.0% |
| Maryland | $992 | -$208 | -17.3% |
| Massachusetts | $960 | -$240 | -20.0% |
| Michigan | $2,086 | $886 | 73.8% |
| Minnesota | $1,006 | -$194 | -16.2% |
| Mississippi | $1,440 | $240 | 20.0% |
| Missouri | $1,064 | -$136 | -11.3% |
| Montana | $1,290 | $90 | 7.5% |
| Nebraska | $948 | -$252 | -21.0% |
| Nevada | $1,444 | $244 | 20.3% |
| New Hampshire | $868 | -$332 | -27.7% |
| New Jersey | $1,344 | $144 | 12.0% |
| New Mexico | $1,064 | -$136 | -11.3% |
| New York | $1,266 | $66 | 5.5% |
| North Carolina | $692 | -$508 | -42.3% |
| North Dakota | $984 | -$216 | -18.0% |
| Ohio | $828 | -$372 | -31.0% |
| Oklahoma | $1,232 | $32 | 2.7% |
| Oregon | $1,102 | -$98 | -8.2% |
| Pennsylvania | $1,144 | -$56 | -4.7% |
| Rhode Island | $1,602 | $402 | 33.5% |
| South Carolina | $1,088 | -$112 | -9.3% |
| South Dakota | $1,016 | -$184 | -15.3% |
| Tennessee | $1,050 | -$150 | -12.5% |
| Texas | $1,446 | $246 | 20.5% |
| Utah | $890 | -$310 | -25.8% |
| Vermont | $824 | -$376 | -31.3% |
| Virginia | $718 | -$482 | -40.2% |
| Washington | $926 | -$274 | -22.8% |
| West Virginia | $1,102 | -$98 | -8.2% |
| Wisconsin | $832 | -$368 | -30.7% |
| Wyoming | $1,070 | -$130 | -10.8% |
Opting for high physical damage deductibles can reduce prices by up to $330 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 130% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKT 3.7 2WD | $1,182 | $99 |
| Lincoln MKT 3.7 AWD | $1,200 | $100 |
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 | $312 | $524 | $510 | $1,526 |
| 2019 Lincoln MKT | $300 | $494 | $514 | $1,488 |
| 2018 Lincoln MKT | $288 | $442 | $520 | $1,430 |
| 2017 Lincoln MKT | $270 | $408 | $520 | $1,378 |
| 2016 Lincoln MKT | $260 | $382 | $524 | $1,346 |
| 2015 Lincoln MKT | $254 | $356 | $534 | $1,324 |
| 2014 Lincoln MKT | $234 | $330 | $534 | $1,278 |
| 2013 Lincoln MKT | $228 | $300 | $540 | $1,248 |
| 2012 Lincoln MKT | $212 | $274 | $534 | $1,200 |
| 2011 Lincoln MKT | $200 | $250 | $534 | $1,164 |
| 2010 Lincoln MKT | $194 | $224 | $530 | $1,128 |
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 Cheaper Lincoln MKT Insurance
Finding better rates on auto insurance consists of avoiding accidents and claims, maintaining good credit, refrain from filing small claims, and determing if full coverage is necessary. Take the time to comparison shop at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a condensed summary of the data touched on in the above illustrations.
- Consumers who require increased liability limits will pay around $590 per year to raise from 30/60 bodily injury limits to 250/500 limits
- You may be able to save as much as $140 per year just by quoting online in advance
- Increasing policy deductibles can save around $325 each year
- Drivers under the age of 20 pay the highest prices, with the cost nearing $397 per month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,768 |
| 20 | $2,736 |
| 30 | $1,226 |
| 40 | $1,200 |
| 50 | $1,102 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,412 |
| $250 | $1,316 |
| $500 | $1,200 |
| $1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,200 |
| 50/100 | $1,307 |
| 100/300 | $1,440 |
| 250/500 | $1,787 |
| 100 CSL | $1,360 |
| 300 CSL | $1,654 |
| 500 CSL | $1,868 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,732 |
| 20 | $4,358 |
| 30 | $2,604 |
| 40 | $2,580 |
| 50 | $2,466 |
| 60 | $2,440 |
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 | $61 |
| Multi-vehicle | $64 |
| Homeowner | $21 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $44 |
| Advance Quote | $53 |
| Online Quote | $82 |
| Total Discounts | $474 |
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
