Lincoln MKT Insurance Rates

U.S. average insurance rates for a Lincoln MKT are $1,248 a year including full coverage. Comprehensive costs an estimated $228, 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 around $2,680. Teenage drivers pay the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,248

Price estimates broken down by individual coverage:

Prices include $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different MKT trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Lincoln MKT insurance rates for other coverage scenarios.

• The best discount rate is $752
• Using higher $1,000 deductibles will save approximately $120 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,248
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,478
• Drivers who are prone to accidents and violations could pay up to $2,680 or more
• The price that insures a teen driver with full coverage can cost as much as $4,916 or more

View Chart as Image

Car insurance prices for a Lincoln MKT are also quite variable based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $4,900 a year. View Rates by Age

The state you live in 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $350 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $486 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Right Lincoln MKT Insurance

Getting lower rates on Lincoln MKT insurance requires not taking risks behind the wheel, having a positive credit history, being claim-free, and not having any coverage lapses. Compare prices at least once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a quick rundown of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $140 per year simply by shopping early and online
• High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,430 more annually for MKT insurance
• Increasing physical damage deductibles can save approximately $350 each year
• Teens have the highest car insurance prices, possibly costing $410 a month if full coverage is purchased