Lincoln MKT Insurance Rates

Estimated insurance rates for a Lincoln MKT are $1,200 a year with full coverage. Comprehensive costs approximately $212, collision costs $274, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,580. Teens pay the most at $4,768 a year or more.

Average premium for full coverage: $1,200

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different MKT trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below details estimated Lincoln MKT insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $726
• Raising to $1,000 deductibles will save $110 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,200
• Selecting more expensive low deductibles bumps up the cost to $1,412
• Drivers with serious driving violations could pay around $2,580 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost $4,768

View Chart as Image

Insurance prices for a Lincoln MKT also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Lincoln MKT insurance prices. A middle-age driver might find prices as low as $870 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Every auto insurance company calculates prices differently, so the prices will be substantially 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 the Best Cheap Lincoln MKT Insurance

Finding better rates on insurance for a Lincoln MKT consists of being a safe and courteous driver, having above-average credit, being claim-free, and maximizing policy discounts. Compare rates at least once a year by obtaining price quotes from direct companies, and also from local insurance agencies.

Below is a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save around $140 per year simply by shopping early and online
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,380 more per year for auto insurance
• Increasing policy deductibles can save approximately $325 each year
• Teenage drivers are expensive to insure, possibly costing $397 per month if full coverage is included