Lincoln MKX Insurance Rates

U.S. average auto insurance rates for a Lincoln MKX are $1,270 annually with full coverage. Comprehensive costs an estimated $230 each year, collision costs $422, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,756. Teenage drivers pay the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,270

Price estimates broken down by individual coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and MKX models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. More rural locations have fewer collision claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

The ranges above demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $739
• Drivers who choose higher $1,000 deductibles will pay approximately $150 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,270
• Using low deductibles for comprehensive and collision insurance will cost $1,556
• High risk drivers who are prone to accidents and violations could pay up to $2,756 or more
• The price with full coverage for a teen driver can cost as much as $4,918 a year

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Auto insurance prices for a Lincoln MKX are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $440 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lincoln MKX insurance rates. A 40-year-old driver 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.

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Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and quoted 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 Cheap Lincoln MKX Insurance

Getting lower rates on Lincoln MKX insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the ideas that were covered in the charts and tables above.

• 16 to 18-year-old drivers are the costliest to insure, costing up to $410 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations pay on average $1,490 more annually than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $425 each year
• You may be able to save approximately $150 per year simply by quoting online in advance