Lincoln MKX Insurance Rates

U.S. average auto insurance rates for a Lincoln MKX are $1,270 annually including full coverage. Comprehensive insurance costs approximately $230 a year, collision costs $422, and liability coverage 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. Teen drivers pay the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,270

Price estimates by individual coverage:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and MKX trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Lincoln MKX insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $739
• Choosing higher $1,000 deductibles can save $1,120 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,270
• Choosing low $100 deductibles for comp and collision coverage costs an additional $286 each year
• Drivers with multiple violations and an at-fault accident could pay around $2,756 or more
• The price with full coverage for a teenage driver can cost $4,918 each year

View Chart as Image

Insurance prices for a Lincoln MKX are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $440 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lincoln MKX insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,810 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, so the prices may be quite different 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 More Affordable Lincoln MKX Insurance

Getting lower rates on auto insurance takes having a good driving record, having a good credit history, being claim-free, and maximizing policy discounts. Take the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a summary of the information covered in the above illustrations.

• You may be able to save around $150 per year simply by quoting early and online
• Drivers age 20 and younger are expensive to insure, possibly costing $410 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $425 each year
• Drivers who have multiple accidents or major violations may have to pay on average $1,490 more per year to buy Lincoln MKX insurance
• Consumers who purchase increased levels of liability coverage will pay about $510 per year to raise limits from a low limit to higher 250/500 limits