Lincoln MKT Insurance Rates

U.S. average insurance rates for a Lincoln MKT are $1,200 a year for full coverage insurance. Comprehensive insurance costs an estimated $212 a year, collision costs $274, and liability coverage is $534. Liability-only insurance costs around $588 a year, with high-risk driver insurance costing $2,580 or more. Teenage drivers pay the highest rates at $4,768 a year or more.

Average premium for full coverage: $1,200

Price estimates broken down by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and MKT trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $726
• Raising to $1,000 deductibles will save approximately $1,090 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,200
• Using low $100 deductibles will cost an additional $212 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,580 or more
• The price that insures a teenage driver can cost as much as $4,768

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

The state you live in also has a big influence on Lincoln MKT insurance rates. A middle-age driver might find prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $330 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every auto 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 Affordable Lincoln MKT Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices at least once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following items are a brief review of the primary concepts that were covered above.

• It is possible to save approximately $140 per year simply by quoting early and online
• Drivers with DUI or reckless driving convictions may have to pay on average $1,380 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $325 each year
• 16 to 18-year-old drivers have the highest car insurance prices, as much as $397 a month if full coverage is purchased