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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U.S. average insurance rates for a Lincoln MKT are $1,248 a year for full coverage insurance. Comprehensive insurance costs an estimated $228 each year, collision costs $300, and liability 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 highest rates at $4,916 a year or more.
Average premium for full coverage: $1,248
Price estimates broken down by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and MKT models.
Price Range from Low to High
For the average driver, Lincoln MKT insurance prices go from as low as $592 for minimum levels of liability insurance to a high rate of $2,680 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how location impacts insurance prices.
The ranges above illustrate why all drivers should compare prices for a targeted area and risk profile, 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 Details
The chart below illustrates estimated Lincoln MKT insurance rates for other coverage scenarios.
- The best discount rate is $752
- Using higher $1,000 deductibles will save approximately $120 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,248
- Using low deductibles for physical damage coverage will cost an extra $230 annually
- High-risk insureds who are prone to accidents and violations could pay up to $2,680 or more
- The price for full coverage for a 16-year-old driver can cost as much as $4,916 or more
Car insurance prices for a Lincoln MKT are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers 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 prices. A driver around age 40 might see prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,690 on average in Florida, New York, and Michigan.
| 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 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 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
If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 134% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes may be quite 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 the Best Lincoln MKT Insurance
Getting lower rates on insurance for a Lincoln MKT requires avoiding accidents and claims, having above-average credit, not filing small claims, and not having any coverage lapses. Spend time shopping around at least every other year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a brief recap of the car insurance concepts touched on above.
- Drivers considered higher risk who tend to receive serious violations pay on average $1,430 more annually to insure a Lincoln MKT
- It is possible to save approximately $140 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $350 each year
- Insureds who want increased liability limits will pay an extra $590 annually to increase from a low limit to 250/500 limits
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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