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 $1,324 a year including full coverage. Comprehensive costs an estimated $240 each year, collision costs $470, and liability coverage costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing around $2,884. Teen drivers pay the most at $5,102 a year or more.
Average premium for full coverage: $1,324
Premium estimates broken down by type of coverage:
Price estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and MKX models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lincoln MKX go from as low as $508 for just the minimum liability insurance to a high rate of $2,884 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how location helps determine insurance prices.
These rate differences highlight why all drivers should compare prices for a targeted area and risk profile, rather than using price averages.
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 Rate Analysis
The chart below breaks down estimated Lincoln MKX insurance rates for other coverage scenarios.
- The lowest rate with discounts is $763
- Using higher $1,000 deductibles will save approximately $162 every year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,324
- Choosing low deductibles for physical damage coverage will increase the cost to $1,638
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,884 or more
- An auto insurance policy for full coverage for a teenage driver can cost as much as $5,102 or more
Auto insurance prices for a Lincoln MKX also have a wide range based on your driving characteristics, the model of your MKX, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,100 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 $1,020 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,890 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$128 | -9.7% |
| Alaska | $1,016 | -$308 | -23.3% |
| Arizona | $1,098 | -$226 | -17.1% |
| Arkansas | $1,324 | -$0 | 0.0% |
| California | $1,508 | $184 | 13.9% |
| Colorado | $1,264 | -$60 | -4.5% |
| Connecticut | $1,360 | $36 | 2.7% |
| Delaware | $1,498 | $174 | 13.1% |
| Florida | $1,658 | $334 | 25.2% |
| Georgia | $1,222 | -$102 | -7.7% |
| Hawaii | $952 | -$372 | -28.1% |
| Idaho | $894 | -$430 | -32.5% |
| Illinois | $986 | -$338 | -25.5% |
| Indiana | $996 | -$328 | -24.8% |
| Iowa | $894 | -$430 | -32.5% |
| Kansas | $1,258 | -$66 | -5.0% |
| Kentucky | $1,806 | $482 | 36.4% |
| Louisiana | $1,958 | $634 | 47.9% |
| Maine | $818 | -$506 | -38.2% |
| Maryland | $1,092 | -$232 | -17.5% |
| Massachusetts | $1,060 | -$264 | -19.9% |
| Michigan | $2,300 | $976 | 73.7% |
| Minnesota | $1,108 | -$216 | -16.3% |
| Mississippi | $1,586 | $262 | 19.8% |
| Missouri | $1,174 | -$150 | -11.3% |
| Montana | $1,424 | $100 | 7.6% |
| Nebraska | $1,042 | -$282 | -21.3% |
| Nevada | $1,586 | $262 | 19.8% |
| New Hampshire | $952 | -$372 | -28.1% |
| New Jersey | $1,480 | $156 | 11.8% |
| New Mexico | $1,172 | -$152 | -11.5% |
| New York | $1,394 | $70 | 5.3% |
| North Carolina | $762 | -$562 | -42.4% |
| North Dakota | $1,082 | -$242 | -18.3% |
| Ohio | $914 | -$410 | -31.0% |
| Oklahoma | $1,360 | $36 | 2.7% |
| Oregon | $1,212 | -$112 | -8.5% |
| Pennsylvania | $1,262 | -$62 | -4.7% |
| Rhode Island | $1,766 | $442 | 33.4% |
| South Carolina | $1,198 | -$126 | -9.5% |
| South Dakota | $1,116 | -$208 | -15.7% |
| Tennessee | $1,160 | -$164 | -12.4% |
| Texas | $1,594 | $270 | 20.4% |
| Utah | $982 | -$342 | -25.8% |
| Vermont | $908 | -$416 | -31.4% |
| Virginia | $794 | -$530 | -40.0% |
| Washington | $1,022 | -$302 | -22.8% |
| West Virginia | $1,214 | -$110 | -8.3% |
| Wisconsin | $918 | -$406 | -30.7% |
| Wyoming | $1,180 | -$144 | -10.9% |
Choosing high deductibles could cut prices by as much as $480 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 43% to 135% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices will be substantially 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 | $1,290 | $108 |
| Lincoln MKX AWD | $1,324 | $110 |
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 | $260 | $538 | $442 | $1,398 |
| 2019 Lincoln MKX | $250 | $500 | $452 | $1,360 |
| 2018 Lincoln MKX | $240 | $470 | $456 | $1,324 |
| 2017 Lincoln MKX | $230 | $422 | $460 | $1,270 |
| 2013 Lincoln MKX | $186 | $316 | $474 | $1,134 |
| 2012 Lincoln MKX | $182 | $286 | $478 | $1,104 |
| 2008 Lincoln MKX | $152 | $208 | $460 | $978 |
| 2007 Lincoln MKX | $150 | $198 | $452 | $958 |
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 Cheaper Lincoln MKX Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, refrain from filing small claims, and qualifying for all possible discounts. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a condensed summary of the data that was covered in the charts and tables above.
- You may be able to save approximately $160 per year simply by quoting online in advance
- Consumers who want higher liability limits will pay about $500 per year to increase from 30/60 bodily injury limits to 250/500 limits
- Teens are the costliest to insure, with the cost nearing $425 per month if they have full coverage
- Drivers with multiple at-fault accidents may pay on average $1,560 more annually for MKX insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,102 |
| 20 | $3,082 |
| 30 | $1,368 |
| 40 | $1,324 |
| 50 | $1,212 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,490 |
| $500 | $1,324 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,324 |
| 50/100 | $1,415 |
| 100/300 | $1,529 |
| 250/500 | $1,826 |
| 100 CSL | $1,461 |
| 300 CSL | $1,712 |
| 500 CSL | $1,894 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,264 |
| 20 | $4,914 |
| 30 | $2,934 |
| 40 | $2,884 |
| 50 | $2,756 |
| 60 | $2,732 |
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 | $70 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $58 |
| Advance Quote | $65 |
| Online Quote | $93 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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