Lincoln MKX Insurance Rates

The average auto insurance rates for a Lincoln MKX are $1,324 annually including full coverage. Comprehensive costs an estimated $240, collision costs $470, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $2,884. Teenage drivers cost the most to insure at $5,102 a year or more.

Average premium for full coverage: $1,324

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all MKX models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below breaks down estimated Lincoln MKX insurance rates for other coverage scenarios.

• The best discount rate is $763
• Choosing higher $1,000 deductibles can save approximately $162 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,324
• Using pricier low deductibles for comp and collision coverage will cost $1,638
• Unlucky drivers who are prone to accidents and violations could pay up to $2,884 or more
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,102 each year

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Insurance rates for a Lincoln MKX also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,600 to $2,200 additional every year, depending on your age. Lincoln MKX insurance for high-risk drivers ranges as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lincoln MKX insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.

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Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheaper Lincoln MKX Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a condensed summary of the ideas that were touched on above.

• Youthful drivers are expensive to insure, with premiums being up to $425 each month if they have full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,560 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $475 each year
• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date