Lincoln MKT Insurance Rates

U.S. average insurance prices for a Lincoln MKT are $1,200 every 12 months for full coverage insurance. Comprehensive costs on average $212, collision costs $274, and liability costs $534. Liability-only coverage costs as little as $588 a year, with high-risk coverage costing around $2,580. Teenage drivers pay the highest rates at $4,768 a year or more.

Average premium for full coverage: $1,200

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all MKT models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above illustrate why everyone should compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $726
• Drivers who choose higher $1,000 deductibles will pay around $110 each year
• The average price for the average middle-age driver with $500 deductibles is $1,200
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,412
• Drivers who are prone to accidents and violations could pay upwards of $2,580 or more
• The price to insure a 16-year-old driver for full coverage may cost $4,768 a year

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Auto insurance prices for a Lincoln MKT are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your MKT.

Using high physical damage deductibles could save up to $330 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Lincoln MKT insurance for high-risk drivers can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Lincoln MKT insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

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Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every company uses a different method to calculate prices, and quoted prices 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 Shop for the Right Lincoln MKT Insurance

Getting lower rates on insurance for a Lincoln MKT not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the coverage data covered above.

• It is possible to save as much as $140 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $325 each year
• Teen drivers are charged the highest prices, as much as $397 a month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,380 more each year to insure their MKT