Lincoln MKT Insurance Rates

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2011 Lincoln MKT Insurance Cost in 2025 – 7 Ideas for Best Prices

Want cheaper insurance coverage rates? Drivers have lots of choices when trying to find the lowest priced Lincoln MKT insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to find the lowest rates. There is a right way and a wrong way to find insurance coverage online and you need to know the best way to quote coverages for your Lincoln and ...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 26, 2024

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Estimated insurance rates for a Lincoln MKT are $1,248 a year including full coverage. Comprehensive insurance costs around $228 each year, collision costs $300, and liability insurance costs around $540. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing $2,680 or more. Teenage drivers pay the most at $4,916 a year or more.

Average premium for full coverage: $1,248

Premium estimates for type of coverage:

Comprehensive $228
Collision $300
Liability $540

These estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and MKT models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Lincoln MKT go from as low as $592 for your basic liability-only policy to a high rate of $2,680 for a driver required to buy high-risk insurance.

Liability Only $592
Full Coverage $1,248
High Risk $2,680

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

These rate differences highlight why all drivers should compare prices for a specific zip code and risk profile, rather than relying on average rates.

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 breaks down estimated Lincoln MKT insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $752
  • Using higher $1,000 deductibles will save about $120 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,248
  • Using low deductibles for physical damage coverage will cost an extra $230 a year
  • Drivers who are prone to accidents and violations could pay at least $2,680 or more
  • An auto insurance policy for full coverage for a teen driver can be $4,916 or more

View Chart as Image

Lincoln MKT insurance cost comparison chart
Column chart showing full coverage Lincoln MKT insurance prices range from $752 to $4,916

Insurance prices for a Lincoln MKT also have a wide range based on your driving characteristics, the model of your MKT, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Lincoln MKT insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.

Lincoln MKT Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,128 -$120 -9.6%
Alaska $958 -$290 -23.2%
Arizona $1,038 -$210 -16.8%
Arkansas $1,248 -$0 0.0%
California $1,422 $174 13.9%
Colorado $1,190 -$58 -4.6%
Connecticut $1,280 $32 2.6%
Delaware $1,412 $164 13.1%
Florida $1,562 $314 25.2%
Georgia $1,154 -$94 -7.5%
Hawaii $896 -$352 -28.2%
Idaho $846 -$402 -32.2%
Illinois $928 -$320 -25.6%
Indiana $940 -$308 -24.7%
Iowa $840 -$408 -32.7%
Kansas $1,184 -$64 -5.1%
Kentucky $1,702 $454 36.4%
Louisiana $1,846 $598 47.9%
Maine $770 -$478 -38.3%
Maryland $1,030 -$218 -17.5%
Massachusetts $996 -$252 -20.2%
Michigan $2,166 $918 73.6%
Minnesota $1,046 -$202 -16.2%
Mississippi $1,496 $248 19.9%
Missouri $1,104 -$144 -11.5%
Montana $1,340 $92 7.4%
Nebraska $984 -$264 -21.2%
Nevada $1,496 $248 19.9%
New Hampshire $898 -$350 -28.0%
New Jersey $1,396 $148 11.9%
New Mexico $1,104 -$144 -11.5%
New York $1,314 $66 5.3%
North Carolina $718 -$530 -42.5%
North Dakota $1,024 -$224 -17.9%
Ohio $862 -$386 -30.9%
Oklahoma $1,280 $32 2.6%
Oregon $1,144 -$104 -8.3%
Pennsylvania $1,188 -$60 -4.8%
Rhode Island $1,664 $416 33.3%
South Carolina $1,130 -$118 -9.5%
South Dakota $1,054 -$194 -15.5%
Tennessee $1,090 -$158 -12.7%
Texas $1,504 $256 20.5%
Utah $924 -$324 -26.0%
Vermont $854 -$394 -31.6%
Virginia $746 -$502 -40.2%
Washington $962 -$286 -22.9%
West Virginia $1,144 -$104 -8.3%
Wisconsin $864 -$384 -30.8%
Wyoming $1,112 -$136 -10.9%

View Chart as Image

Lincoln MKT insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $350 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $486 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Lincoln MKT Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKT 3.7 2WD $1,226 $102
Lincoln MKT 3.7 AWD $1,248 $104

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.

Lincoln MKT Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKT $326 $564 $500 $1,570
2019 Lincoln MKT $312 $524 $510 $1,526
2018 Lincoln MKT $300 $494 $514 $1,488
2017 Lincoln MKT $288 $442 $520 $1,430
2016 Lincoln MKT $270 $408 $520 $1,378
2015 Lincoln MKT $260 $382 $524 $1,346
2014 Lincoln MKT $254 $356 $534 $1,324
2013 Lincoln MKT $234 $330 $534 $1,278
2012 Lincoln MKT $228 $300 $540 $1,248
2011 Lincoln MKT $212 $274 $534 $1,200
2010 Lincoln MKT $200 $250 $534 $1,164

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

Finding better rates on Lincoln MKT insurance requires having a good driving record, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the data covered in the above illustrations.

  • Drivers who may need increased levels of liability coverage will pay an extra $590 per year to increase from 30/60 bodily injury limits to 250/500 limits
  • You may be able to save up to $140 per year simply by quoting online in advance
  • Increasing policy deductibles can save around $350 each year
  • Drivers age 20 and younger are charged the highest prices, with the cost nearing $410 per month including comprehensive and collision insurance

Rates by Driver Age

Lincoln MKT Insurance Rates by Driver Age
Driver Age Premium
16 $4,916
20 $2,840
30 $1,276
40 $1,248
50 $1,144
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,478
$250 $1,374
$500 $1,248
$1,000 $1,128

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKT Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,356
100/300 $1,491
250/500 $1,842
100 CSL $1,410
300 CSL $1,707
500 CSL $1,923

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKT Insurance Rates for High Risk Drivers
Age Premium
16 $6,946
20 $4,526
30 $2,710
40 $2,680
50 $2,560
60 $2,534

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.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $66
Homeowner $21
5-yr Accident Free $78
5-yr Claim Free $79
Paid in Full/EFT $47
Advance Quote $56
Online Quote $85
Total Discounts $496
Rate after discounts $752

Discounts are estimated and may not be available from every company or in every state.

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