Lincoln MKT Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 26, 2024
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U.S. average insurance rates for a Lincoln MKT are $1,200 a year for full coverage insurance. Comprehensive insurance costs around $212 each year, collision costs $274, and liability is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing $2,580 or more. Teen drivers pay the highest rates at $4,768 a year or more.
Average premium for full coverage: $1,200
Price estimates for individual coverage:
These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and MKT models.
Price Range from Low to High
For an average driver, Lincoln MKT insurance prices go from as low as $588 for your basic liability-only policy to a high rate of $2,580 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on price 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.
More Rate Information
The chart below illustrates estimated Lincoln MKT insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $726
- Raising to $1,000 deductibles will save about $110 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,200
- Choosing low deductibles will cost an extra $212 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,580 or more
- The price for full coverage for a 16-year-old driver can be $4,768
Insurance prices for a Lincoln MKT are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age
The state you live in also has a big influence on Lincoln MKT insurance prices. A middle-age driver might find prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,620 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles can reduce prices by up to $330 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 130% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices 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 | $1,182 | $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.
| 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 Cheap Lincoln MKT Insurance
Getting lower rates on insurance for a Lincoln MKT consists of being a low-risk driver, having a good credit history, not filing small claims, and taking advantage of discounts. Take the time to compare rates at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a brief summary of the car insurance concepts covered in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,380 more every year to insure their MKT
- It is possible to save up to $140 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $325 each year
- Insureds who may need more liability coverage will pay about $590 annually to raise from a low limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,412 |
| $250 | $1,316 |
| $500 | $1,200 |
| $1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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