Lincoln MKT Insurance Rates

The average auto insurance rates for a Lincoln MKT are $1,200 annually for full coverage insurance. Comprehensive insurance costs around $212, collision insurance costs $274, and liability is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,580 or more. Teenage drivers cost the most to insure at up to $4,768 a year.

Average premium for full coverage: $1,200

Policy rates for type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different MKT trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates average Lincoln MKT insurance rates for additional coverage choices and driver risks.

• The best discount rate is $726
• Raising to $1,000 deductibles will save about $110 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,200
• Using more expensive low deductibles costs an additional $212 annually
• Drivers who are prone to accidents and violations could pay at least $2,580
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $4,768

View Chart as Image

Insurance rates for a Lincoln MKT also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $330 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lincoln MKT insurance prices. A middle-age driver might find rates 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.

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 Buy the Cheapest Lincoln MKT Insurance

Finding cheaper rates on insurance for a Lincoln MKT consists of avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a recap of the information covered in the charts and tables above.

• It is possible to save up to $140 per year just by shopping early and online
• Drivers under the age of 20 are charged the highest rates, possibly costing $397 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers considered higher risk that have major violations or accidents pay on average $1,380 more every year to insure a Lincoln MKT
• Insureds who may need increased liability limits will pay an extra $590 annually to raise from a 30/60 limit to higher 250/500 limits