Lincoln MKX Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 4, 2024
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U.S. average insurance prices for a Lincoln MKX are $1,270 every 12 months with full coverage. Comprehensive costs approximately $230, collision costs $422, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing around $2,756. Teenage drivers pay the highest rates at $4,918 a year or more.
Average premium for full coverage: $1,270
Price estimates by individual coverage:
Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all MKX models.
Price Range from Low to High
For an average driver, Lincoln MKX insurance prices go from the cheapest price of $510 for liability-only coverage to the much higher price of $2,756 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities.
The example below illustrates the effect of geographic area on auto insurance prices.
The ranges above demonstrate why everyone should get quotes using their specific location and their own driving history, instead of 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.
Additional Charts and Tables
The chart below details estimated Lincoln MKX insurance rates for additional coverage and risk scenarios.
- The best discount rate is $739
- Choosing higher $1,000 deductibles can save $150 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,270
- Using pricier low deductibles for comp and collision coverage increases the price to $1,556
- Unlucky drivers who are prone to accidents and violations could pay around $2,756 or more
- The price to insure a teen driver for full coverage can cost $4,918 each year
Insurance prices for a Lincoln MKX are also quite variable based on deductibles and policy limits, your driving record, and the model of your MKX.
Using high physical damage deductibles can save as much as $440 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. Lincoln MKX insurance for high-risk drivers ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Lincoln MKX insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,710 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,148 | -$122 | -9.6% |
| Alaska | $974 | -$296 | -23.3% |
| Arizona | $1,054 | -$216 | -17.0% |
| Arkansas | $1,270 | -$0 | 0.0% |
| California | $1,446 | $176 | 13.9% |
| Colorado | $1,214 | -$56 | -4.4% |
| Connecticut | $1,306 | $36 | 2.8% |
| Delaware | $1,436 | $166 | 13.1% |
| Florida | $1,586 | $316 | 24.9% |
| Georgia | $1,172 | -$98 | -7.7% |
| Hawaii | $910 | -$360 | -28.3% |
| Idaho | $860 | -$410 | -32.3% |
| Illinois | $944 | -$326 | -25.7% |
| Indiana | $954 | -$316 | -24.9% |
| Iowa | $854 | -$416 | -32.8% |
| Kansas | $1,206 | -$64 | -5.0% |
| Kentucky | $1,732 | $462 | 36.4% |
| Louisiana | $1,878 | $608 | 47.9% |
| Maine | $784 | -$486 | -38.3% |
| Maryland | $1,048 | -$222 | -17.5% |
| Massachusetts | $1,016 | -$254 | -20.0% |
| Michigan | $2,204 | $934 | 73.5% |
| Minnesota | $1,062 | -$208 | -16.4% |
| Mississippi | $1,520 | $250 | 19.7% |
| Missouri | $1,126 | -$144 | -11.3% |
| Montana | $1,364 | $94 | 7.4% |
| Nebraska | $1,000 | -$270 | -21.3% |
| Nevada | $1,524 | $254 | 20.0% |
| New Hampshire | $916 | -$354 | -27.9% |
| New Jersey | $1,420 | $150 | 11.8% |
| New Mexico | $1,126 | -$144 | -11.3% |
| New York | $1,338 | $68 | 5.4% |
| North Carolina | $730 | -$540 | -42.5% |
| North Dakota | $1,040 | -$230 | -18.1% |
| Ohio | $876 | -$394 | -31.0% |
| Oklahoma | $1,304 | $34 | 2.7% |
| Oregon | $1,162 | -$108 | -8.5% |
| Pennsylvania | $1,210 | -$60 | -4.7% |
| Rhode Island | $1,694 | $424 | 33.4% |
| South Carolina | $1,150 | -$120 | -9.4% |
| South Dakota | $1,072 | -$198 | -15.6% |
| Tennessee | $1,110 | -$160 | -12.6% |
| Texas | $1,530 | $260 | 20.5% |
| Utah | $940 | -$330 | -26.0% |
| Vermont | $868 | -$402 | -31.7% |
| Virginia | $760 | -$510 | -40.2% |
| Washington | $984 | -$286 | -22.5% |
| West Virginia | $1,162 | -$108 | -8.5% |
| Wisconsin | $878 | -$392 | -30.9% |
| Wyoming | $1,132 | -$138 | -10.9% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKX 2WD | $1,238 | $103 |
| Lincoln MKX AWD | $1,270 | $106 |
Rates assume 2018 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKX | $250 | $500 | $452 | $1,360 |
| 2019 Lincoln MKX | $240 | $470 | $456 | $1,324 |
| 2018 Lincoln MKX | $230 | $422 | $460 | $1,270 |
| 2017 Lincoln MKX | $214 | $388 | $460 | $1,220 |
| 2013 Lincoln MKX | $182 | $286 | $478 | $1,104 |
| 2012 Lincoln MKX | $170 | $262 | $474 | $1,064 |
| 2008 Lincoln MKX | $150 | $198 | $452 | $958 |
| 2007 Lincoln MKX | $138 | $190 | $446 | $932 |
Rates are averaged for all Lincoln MKX 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 Low Cost Lincoln MKX Insurance
Getting lower rates on car insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a review of the concepts that were covered in the above illustrations.
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,490 more per year to buy Lincoln MKX insurance
- Drivers age 20 and younger are expensive to insure, costing up to $410 a month if they have full coverage
- You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $425 each year
- You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,918 |
| 20 | $2,942 |
| 30 | $1,310 |
| 40 | $1,270 |
| 50 | $1,162 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,422 |
| $500 | $1,270 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,270 |
| 50/100 | $1,362 |
| 100/300 | $1,477 |
| 250/500 | $1,776 |
| 100 CSL | $1,408 |
| 300 CSL | $1,661 |
| 500 CSL | $1,845 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,988 |
| 20 | $4,692 |
| 30 | $2,804 |
| 40 | $2,756 |
| 50 | $2,636 |
| 60 | $2,614 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $531 |
Discounts are estimated and may not be available from every company or in every state.
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