Lincoln MKX Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Lincoln MKX are $1,270 a year with full coverage. Comprehensive insurance costs an estimated $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 $2,756 or more. Teenage drivers receive the highest rates at $4,918 a year or more.
Average premium for full coverage: $1,270
Rate estimates broken down by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different MKX trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $510 for basic liability insurance to a much higher rate of $2,756 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates how geographic area affects insurance prices.
These examples demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, 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.
Rate Comparisons
The chart below details estimated Lincoln MKX insurance rates for other coverage scenarios.
- The best discount rate is $739
- Choosing higher $1,000 deductibles can save approximately $150 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,270
- Using more expensive low deductibles for comp and collision coverage will cost an extra $286 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,756 or more
- The cost for full coverage for a teen driver with full coverage can cost as much as $4,918 each year
Insurance rates for a Lincoln MKX can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age
Where you live 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% |
Using high physical damage deductibles can save as much as $440 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates can be significantly different from one company to the next.
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
Saving money on car insurance takes having a decent driving record, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a summary of the ideas that were presented in the illustrations above.
- 16 to 18-year-old drivers are expensive to insure, with premiums as much as $410 per month including comprehensive and collision insurance
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,490 more annually than a driver with a clean driving record
- Increasing deductibles can save around $425 each year
- You may be able to save approximately $150 per year simply by shopping early and online
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
