Lincoln MKT Insurance Rates
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Michelle Robbins
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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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Estimated 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 estimated at $534. A policy with only liability insurance costs approximately $588 a year, with a high-risk policy costing $2,580 or more. Teen drivers pay the most at $4,768 a year or more.
Average premium for full coverage: $1,200
Premium estimates for type of coverage:
Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and MKT models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lincoln MKT go from as low as $588 for a discount liability-only rate to a high rate of $2,580 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than larger metro areas.
The graphic below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why all drivers should get quotes for a specific zip code and risk profile, instead of using 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.
Rates by State, City, and Model
The chart below illustrates estimated Lincoln MKT insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $726
- Choosing higher $1,000 deductibles can save about $110 each year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,200
- Choosing low deductibles for comp and collision coverage will cost an extra $212 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,580 or more
- An auto insurance policy for full coverage for a teen driver can be $4,768 each year
Car insurance prices for a Lincoln MKT also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may pay as little 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 as much as $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 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 save as much as $330 every year, whereas increasing liability limits will increase prices. 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 least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 130% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, so rate quotes will be substantially 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 the Right Lincoln MKT Insurance
Finding better rates on car insurance takes being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a quick rundown of the ideas that were covered in the charts and tables above.
- Teenage drivers are the costliest to insure, with premiums being up to $397 per month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,380 more every year for auto insurance
- Increasing policy deductibles can save around $325 each year
- It is possible to save up to $140 per year simply by quoting online in advance
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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