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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Average insurance rates for a Lincoln MKX are $1,270 a year with full coverage. Comprehensive costs around $230, collision costs $422, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,756. Teen drivers receive the highest rates at $4,918 a year or more.
Average premium for full coverage: $1,270
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes 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 a driver around age 40, prices range go from the low end price of $510 for just liability insurance to a much higher rate of $2,756 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on 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.
More Rate Details
The chart below details estimated Lincoln MKX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $739
- Using higher $1,000 deductibles will save about $150 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,270
- Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,556
- Drivers with multiple violations and an at-fault accident could pay at least $2,756 or more
- The cost that insures a teen driver with full coverage can be $4,918 or more
Insurance rates for a Lincoln MKX can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 132% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,900 a year. View Rates by Age
Where you live has a huge impact on Lincoln MKX insurance rates. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,710 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles could cut rates by as much as $440 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different.
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 Low Cost Lincoln MKX Insurance
Saving money on Lincoln MKX insurance requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Shop around every year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a review of the coverage data covered above.
- You may be able to save up to $150 per year simply by shopping early and online
- Increasing deductibles can save approximately $425 each year
- Drivers under the age of 20 pay higher rates, with premiums as much as $410 per month if full coverage is included
- High-risk drivers who have several accidents or serious violations may pay on average $1,490 more every year to insure a Lincoln MKX
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.
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