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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Estimated insurance rates for a Lincoln MKX are $1,270 a year with full coverage. Comprehensive insurance costs an estimated $230, collision insurance costs $422, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,756 or more. Teens pay the most at up to $4,918 a year.
Average premium for full coverage: $1,270
Premium estimates broken down by type of coverage:
Full coverage includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different MKX trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lincoln MKX range from the low end price of $510 for a discount liability-only rate to a much higher rate of $2,756 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below details average Lincoln MKX insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $739
- Using higher $1,000 deductibles will save approximately $150 annually
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,270
- Selecting more expensive low deductibles for physical damage coverage will cost an additional $286 each year
- Higher-risk drivers with serious driving violations could pay up to $2,756
- An auto insurance policy that insures a teenage driver with full coverage can cost as much as $4,918 or more
Insurance prices for a Lincoln MKX also have a wide range based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you have a few violations or you caused an accident, you may be forking out $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be around 43% to 132% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision 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, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age
Where you choose to live has a huge impact on Lincoln MKX insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $440 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
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 Find More Affordable Lincoln MKX Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare rates at least once a year by getting quotes from direct companies, and also from insurance agencies where you live.
The following is a summary of the primary concepts that were touched on in the above illustrations.
- You may be able to save approximately $150 per year just by shopping early and online
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,490 more annually for MKX insurance
- Increasing policy deductibles can save approximately $425 each year
- Teens are charged the highest prices, possibly costing $410 per month if full coverage is included
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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