Lincoln MKT Insurance Rates

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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...

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UPDATED: Apr 26, 2024

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Average insurance prices for a Lincoln MKT are $1,278 every 12 months for full coverage insurance. Comprehensive insurance costs on average $234, collision insurance costs $330, and liability insurance costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs $2,754 or more. Teen drivers receive the highest rates at up to $5,020 a year.

Average premium for full coverage: $1,278

Rate estimates by individual coverage type:

Comprehensive $234
Collision $330
Liability $534

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different MKT trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the cheapest price of $588 for basic liability insurance to a much higher rate of $2,754 for a high-risk driver policy.

Liability Only $588
Full Coverage $1,278
High Risk $2,754

Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $959
Small Cities $1,342
Large Cities $1,725

These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on 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.

Rate Comparisons

The chart below illustrates average Lincoln MKT insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $764
  • Using higher $1,000 deductibles will save around $128 each year
  • The average price for a 40-year-old driver with $500 deductibles is $1,278
  • Choosing more expensive low deductibles for physical damage coverage costs an extra $248 a year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,754
  • The cost to insure a teen driver with full coverage may cost $5,020 or more

View Chart as Image

Lincoln MKT insurance cost comparison chart
Column chart showing Lincoln MKT insurance prices range from $764 to $5,020 for full coverage

Auto insurance rates for a Lincoln MKT can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your MKT.

Choosing high deductibles could cut rates by as much as $380 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 131% more than average. View High Risk Driver Rates

Where you live has a huge impact on Lincoln MKT insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,730 on average in Michigan, New York, and Florida.

Lincoln MKT Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,156 -$122 -9.5%
Alaska $982 -$296 -23.2%
Arizona $1,062 -$216 -16.9%
Arkansas $1,278 -$0 0.0%
California $1,458 $180 14.1%
Colorado $1,220 -$58 -4.5%
Connecticut $1,316 $38 3.0%
Delaware $1,448 $170 13.3%
Florida $1,602 $324 25.4%
Georgia $1,182 -$96 -7.5%
Hawaii $918 -$360 -28.2%
Idaho $868 -$410 -32.1%
Illinois $950 -$328 -25.7%
Indiana $966 -$312 -24.4%
Iowa $864 -$414 -32.4%
Kansas $1,214 -$64 -5.0%
Kentucky $1,746 $468 36.6%
Louisiana $1,896 $618 48.4%
Maine $790 -$488 -38.2%
Maryland $1,056 -$222 -17.4%
Massachusetts $1,022 -$256 -20.0%
Michigan $2,220 $942 73.7%
Minnesota $1,070 -$208 -16.3%
Mississippi $1,534 $256 20.0%
Missouri $1,134 -$144 -11.3%
Montana $1,374 $96 7.5%
Nebraska $1,008 -$270 -21.1%
Nevada $1,536 $258 20.2%
New Hampshire $924 -$354 -27.7%
New Jersey $1,432 $154 12.1%
New Mexico $1,132 -$146 -11.4%
New York $1,348 $70 5.5%
North Carolina $738 -$540 -42.3%
North Dakota $1,048 -$230 -18.0%
Ohio $882 -$396 -31.0%
Oklahoma $1,312 $34 2.7%
Oregon $1,174 -$104 -8.1%
Pennsylvania $1,220 -$58 -4.5%
Rhode Island $1,706 $428 33.5%
South Carolina $1,160 -$118 -9.2%
South Dakota $1,082 -$196 -15.3%
Tennessee $1,120 -$158 -12.4%
Texas $1,540 $262 20.5%
Utah $946 -$332 -26.0%
Vermont $876 -$402 -31.5%
Virginia $764 -$514 -40.2%
Washington $988 -$290 -22.7%
West Virginia $1,174 -$104 -8.1%
Wisconsin $884 -$394 -30.8%
Wyoming $1,140 -$138 -10.8%

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 $1,256 $105
Lincoln MKT 3.7 AWD $1,278 $107

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 $344 $586 $486 $1,596
2019 Lincoln MKT $326 $564 $500 $1,570
2018 Lincoln MKT $312 $524 $510 $1,526
2017 Lincoln MKT $300 $494 $514 $1,488
2016 Lincoln MKT $288 $442 $520 $1,430
2015 Lincoln MKT $270 $408 $520 $1,378
2014 Lincoln MKT $260 $382 $524 $1,346
2013 Lincoln MKT $254 $356 $534 $1,324
2012 Lincoln MKT $234 $330 $534 $1,278
2011 Lincoln MKT $228 $300 $540 $1,248
2010 Lincoln MKT $212 $274 $534 $1,200

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 Shop for Affordable Lincoln MKT Insurance

Saving money on Lincoln MKT insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief review of the information covered above.

  • It is possible to save as much as $150 per year just by shopping early and online
  • Drivers age 20 and younger are charged the highest rates, costing up to $418 per month if comprehensive and collision insurance is included
  • Increasing deductibles could save as much as $375 each year
  • High-risk drivers with DUI or reckless driving convictions pay on average $1,480 more each year to buy Lincoln MKT insurance
  • Drivers who require increased levels of liability coverage will pay about $590 annually to increase from a minimum limit to a 250/500 level

Rates by Driver Age

Lincoln MKT Insurance Rates by Driver Age
Driver Age Premium
16 $5,020
20 $2,922
30 $1,312
40 $1,278
50 $1,174
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,526
$250 $1,412
$500 $1,278
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKT Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,278
50/100 $1,385
100/300 $1,518
250/500 $1,865
100 CSL $1,438
300 CSL $1,732
500 CSL $1,946

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKT Insurance Rates for High Risk Drivers
Age Premium
16 $7,104
20 $4,654
30 $2,788
40 $2,754
50 $2,630
60 $2,604

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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $68
Homeowner $22
5-yr Accident Free $82
5-yr Claim Free $81
Paid in Full/EFT $49
Advance Quote $58
Online Quote $88
Total Discounts $514
Rate after discounts $764

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

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