Lincoln MKT Insurance Rates

Estimated insurance rates for a Lincoln MKT are $1,248 a year with full coverage. Comprehensive costs around $228, collision costs $300, and liability insurance costs $540. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing around $2,680. 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:

Estimates include $500 policy deductibles, 30/60 split liability limits, 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

Your location has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities.

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates 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.

Additional Rate Information

The chart below details estimated Lincoln MKT insurance rates for additional coverage choices and driver risks.

• The best discount rate is $752
• Drivers who choose higher $1,000 deductibles will pay about $120 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,248
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,478
• High risk 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 with full coverage can be $4,916 a year

View Chart as Image

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

An older driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Lincoln MKT insurance rates. A 40-year-old driver could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,690 on average in Florida, Michigan, and New York.

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Using high physical damage deductibles could save up to $350 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $486 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost 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 find out your exact price is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

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 Low Cost Lincoln MKT Insurance

Finding better rates on Lincoln MKT insurance not only requires avoiding accidents and claims, but also maintaining good credit, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a review of the car insurance concepts covered in the above illustrations.

• High-risk drivers who have several accidents or serious violations pay an average of $1,430 more every year to insure a Lincoln MKT
• You may be able to save up to $140 per year simply by shopping early and online
• Increasing policy deductibles can save around $350 each year
• Drivers who may need increased liability limits will pay an extra $590 every year to go from 30/60 bodily injury limits to 250/500 limits