Lincoln MKT Insurance Rates

The average insurance prices for a Lincoln MKT are $1,200 every 12 months including full coverage. Comprehensive costs an estimated $212, collision insurance costs $274, and liability costs around $534. A liability-only policy costs as low as $588 a year, and high-risk insurance costs around $2,580. Teens cost the most to insure at up to $4,768 a year.

Average premium for full coverage: $1,200

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different MKT trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $726
• Using higher $1,000 deductibles will save approximately $110 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,200
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,412
• High-risk insureds with serious driving violations could pay up to $2,580
• Policy cost to insure a 16-year-old driver with full coverage can cost as much as $4,768 or more

View Chart as Image

Car insurance rates for a Lincoln MKT also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $330 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can be from 42% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Lincoln MKT insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,720 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Shop for Cheaper Lincoln MKT Insurance

Finding cheaper rates on insurance for a Lincoln MKT requires avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to shop around every time your policy renews by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a condensed summary of the information illustrated above.

• You may be able to save approximately $140 per year just by shopping early and online
• Teenagers have the highest car insurance rates, with premiums being up to $397 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,380 more annually for car insurance
• Insureds who want higher liability limits will pay approximately $590 per year to increase from a 30/60 limit to a 250/500 level