Lincoln MKT Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average auto insurance rates for a Lincoln MKT are $1,248 annually for full coverage. Comprehensive costs on average $228, collision insurance costs $300, and liability coverage costs around $540. A policy with just liability insurance costs as low as $592 a year, and coverage for high-risk drivers costs around $2,680. Teenage drivers pay the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,248

Price estimates by individual coverage:

Comprehensive $228
Collision $300
Liability $540

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all MKT models.

Price Range from Low to High

For a 40-year-old driver, Lincoln MKT insurance prices range from as cheap as $592 for your basic liability-only policy to the much higher price of $2,680 for a driver that may need high-risk insurance.

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

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have fewer accident claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

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

The ranges above show why everyone should compare prices based on a specific location and their own personal driving habits, rather than using 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 shows average Lincoln MKT insurance rates for different risk profiles and scenarios.

  • The best discount rate is $752
  • Using higher $1,000 deductibles will save around $120 a year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,248
  • Using pricier low deductibles for physical damage coverage will cost $1,478
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,680
  • The price with full coverage for a teenage driver for full coverage may cost $4,916 or more

View Chart as Image

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

Insurance prices for a Lincoln MKT are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Lincoln MKT insurance for high-risk drivers can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $350 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $486 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lincoln MKT insurance rates. A driver around age 40 might see prices as low as $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,780 on average in Michigan, Louisiana, and New York.

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

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 2010 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
2010 Lincoln MKT $228 $300 $540 $1,248

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 Buy the Best Cheap Lincoln MKT Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a quick review of the data that was illustrated above.

  • Drivers can save as much as $140 per year just by quoting online well ahead of the renewal date
  • Consumers who require increased liability limits will pay an extra $590 each year to increase from a low limit to higher 250/500 limits
  • Drivers under the age of 20 pay the highest prices, with premiums as much as $410 a month including comprehensive and collision insurance
  • Drivers with a DUI or reckless driving violation may be required to pay an average of $1,430 more each year to insure a Lincoln MKT

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles