Lincoln MKT Insurance Rates

Estimated auto insurance rates for a Lincoln MKT are $1,248 annually for full coverage insurance. Comprehensive costs approximately $228, collision costs $300, and liability coverage costs around $540. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance 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 by type of coverage:

These estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different MKT trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Lincoln MKT insurance rates for additional coverage and risk scenarios.

• The best discount rate is $752
• Using higher $1,000 deductibles will save $120 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,248
• Using more expensive low deductibles for physical damage coverage will cost $1,478
• Higher-risk drivers who are prone to accidents and violations could pay around $2,680 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost $4,916 or more

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Insurance prices for a Lincoln MKT also have a wide range based on the model of your MKT, your risk profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance 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, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $486 more each year. View Rates by Deductible or Liability Limit

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 $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,690 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices will be substantially different between companies.

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 Cheap Lincoln MKT Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around at least once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a brief summary of the primary concepts that were illustrated above.

• It is possible to save around $140 per year simply by shopping early and online
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,430 more per year for MKT insurance
• Increasing policy deductibles could save up to $350 each year
• Teens are the costliest to insure, with premiums being up to $410 per month if they have full coverage