Lincoln MKT Insurance Rates

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UPDATED: Apr 26, 2024

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Average insurance rates for a Lincoln MKT are $1,200 a year for full coverage insurance. Comprehensive costs around $212 a year, collision costs $274, and liability coverage costs around $534. A policy with just liability insurance costs as low as $588 a year, with coverage for high-risk drivers costing around $2,580. Teenage drivers receive the highest rates at $4,768 a year or more.

Average premium for full coverage: $1,200

Rate estimates for individual coverage type:

Comprehensive $212
Collision $274
Liability $534

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and MKT trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $588 for minimum levels of liability insurance to a high of $2,580 for coverage for higher-risk drivers.

Liability Only $588
Full Coverage $1,200
High Risk $2,580

Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine auto insurance rates.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These examples illustrate why it is important to compare prices for a specific zip code 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 Rate Details

The chart below illustrates estimated Lincoln MKT insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $726
  • Using higher $1,000 deductibles will save about $1,090 each year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,200
  • Using low $100 deductibles for physical damage coverage will increase the cost to $1,412
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,580 or more
  • The cost for full coverage for a teenage driver can be $4,768 or more

View Chart as Image

Lincoln MKT insurance cost comparison chart
Column chart showing full coverage Lincoln MKT insurance rates range from $726 to $4,768

Insurance rates for a Lincoln MKT can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

Where you live has a huge impact on Lincoln MKT insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

Lincoln MKT Insurance Rates by State
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%

View Chart as Image

Lincoln MKT insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $330 a year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be around 42% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Lincoln MKT Insurance Rates by Model and Trim Level
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.

Lincoln MKT Insurance Rates by Model Year
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 More Affordable Lincoln MKT Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least once a year by quoting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a summary of the primary concepts that were covered in the charts and tables above.

  • It is possible to save up to $140 per year simply by quoting early and online
  • Drivers who have multiple accidents or major violations may pay on average $1,380 more every year for MKT insurance
  • Increasing deductibles can save around $325 each year
  • Teens are charged the highest rates, costing up to $397 per month including comprehensive and collision insurance

Rates by Driver Age

Lincoln MKT Insurance 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

Lincoln MKT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,316
$500 $1,200
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKT Insurance Rates with Different Liability Limits
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

Lincoln MKT Insurance 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.

SR-22 Surcharge $160

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
Rate after discounts $726

Discounts are estimated and may not be available from every company or in every state.

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