Lincoln MKT Insurance Rates

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UPDATED: Apr 26, 2024

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Estimated insurance rates for a Lincoln MKT are $1,200 a year for full coverage insurance. Comprehensive costs on average $212 a year, collision insurance costs $274, and liability is estimated at $534. A policy with only liability insurance costs approximately $588 a year, and a high-risk policy 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:

Comprehensive $212
Collision $274
Liability $534

Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and MKT trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Lincoln MKT range from as low as $588 for minimum levels of liability insurance to a high of $2,580 for high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates the effect of geographic area on car insurance rates.

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

These rate differences illustrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on 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.

Additional Rate Details

The chart below illustrates average Lincoln MKT insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $726
  • Choosing higher $1,000 deductibles can save around $1,090 each year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,200
  • Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,412
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,580
  • An auto insurance policy for full coverage for a 16-year-old driver may cost $4,768 each year

View Chart as Image

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

Car insurance prices for a Lincoln MKT also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lincoln MKT insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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

Opting for high physical damage deductibles can save as much as $330 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 130% more than the average rate. View High Risk Driver Rates

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 Low Cost Lincoln MKT Insurance

Finding better rates on insurance for a Lincoln MKT takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a review of the material that was covered in the above illustrations.

  • Insureds who require more liability protection will pay around $590 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
  • Youthful drivers are expensive to insure, with premiums being up to $397 per month if full coverage is included
  • Drivers considered higher risk who have several accidents or serious violations pay an average of $1,380 more each year than a low-risk driver
  • Increasing policy deductibles can save around $325 each year

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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