Lincoln MKX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Average insurance rates for a Lincoln MKX are $1,030 a year with full coverage. Comprehensive costs approximately $160 each year, collision costs $238, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,222. Teen drivers receive the highest rates at $4,156 a year or more.

Average premium for full coverage: $1,030

Rate estimates by individual coverage type:

Comprehensive $160
Collision $238
Liability $474

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and MKX models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $522 for a discount liability-only rate to a high rate of $2,222 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,030
High Risk $2,222

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $773
Small Cities $1,082
Large Cities $1,391

These examples demonstrate why all drivers should get quotes using their specific location and risk profile, instead of 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $621
  • Choosing higher $1,000 deductibles can save $90 annually
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,030
  • Choosing low deductibles for comp and collision coverage will increase the cost to $1,202
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $2,222 or more
  • The cost for full coverage for a teen driver can cost $4,156 each year

View Chart as Image

Lincoln MKX insurance cost comparison chart
Column chart showing full coverage Lincoln MKX insurance rates range from $621 to $4,156

Car insurance rates for a Lincoln MKX can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $4,100 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 $740 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,390 on average in New York, Michigan, and Florida.

Lincoln MKX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $930 -$100 -9.7%
Alaska $788 -$242 -23.5%
Arizona $854 -$176 -17.1%
Arkansas $1,030 -$0 0.0%
California $1,172 $142 13.8%
Colorado $982 -$48 -4.7%
Connecticut $1,058 $28 2.7%
Delaware $1,164 $134 13.0%
Florida $1,288 $258 25.0%
Georgia $950 -$80 -7.8%
Hawaii $738 -$292 -28.3%
Idaho $694 -$336 -32.6%
Illinois $764 -$266 -25.8%
Indiana $774 -$256 -24.9%
Iowa $694 -$336 -32.6%
Kansas $980 -$50 -4.9%
Kentucky $1,404 $374 36.3%
Louisiana $1,522 $492 47.8%
Maine $634 -$396 -38.4%
Maryland $848 -$182 -17.7%
Massachusetts $824 -$206 -20.0%
Michigan $1,788 $758 73.6%
Minnesota $860 -$170 -16.5%
Mississippi $1,232 $202 19.6%
Missouri $912 -$118 -11.5%
Montana $1,106 $76 7.4%
Nebraska $812 -$218 -21.2%
Nevada $1,234 $204 19.8%
New Hampshire $740 -$290 -28.2%
New Jersey $1,150 $120 11.7%
New Mexico $912 -$118 -11.5%
New York $1,084 $54 5.2%
North Carolina $592 -$438 -42.5%
North Dakota $842 -$188 -18.3%
Ohio $710 -$320 -31.1%
Oklahoma $1,058 $28 2.7%
Oregon $942 -$88 -8.5%
Pennsylvania $982 -$48 -4.7%
Rhode Island $1,370 $340 33.0%
South Carolina $932 -$98 -9.5%
South Dakota $868 -$162 -15.7%
Tennessee $902 -$128 -12.4%
Texas $1,240 $210 20.4%
Utah $762 -$268 -26.0%
Vermont $706 -$324 -31.5%
Virginia $616 -$414 -40.2%
Washington $798 -$232 -22.5%
West Virginia $942 -$88 -8.5%
Wisconsin $712 -$318 -30.9%
Wyoming $918 -$112 -10.9%

View Chart as Image

Lincoln MKX insurance rates by U.S. city

Choosing high deductibles can save as much as $270 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Lincoln MKX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKX 2WD $1,010 $84
Lincoln MKX AWD $1,030 $86

Rates assume 2008 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.

Lincoln MKX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Lincoln MKX $206 $364 $464 $1,192
2012 Lincoln MKX $202 $340 $474 $1,174
2008 Lincoln MKX $160 $238 $474 $1,030
2007 Lincoln MKX $154 $214 $468 $994

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 Affordable Lincoln MKX Insurance

Saving money on car insurance takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Invest time comparing rates at least every other year by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a brief review of the car insurance concepts covered in the charts and tables above.

  • Higher risk drivers with DUI or reckless driving convictions pay on average $1,190 more per year than a driver with a clean driving record
  • You may be able to save around $120 per year simply by quoting online in advance
  • Increasing deductibles can save around $250 each year
  • Policyholders who purchase additional liability coverage will pay about $520 every year to raise limits from a minimum limit to 250/500 limits

Rates by Driver Age

Lincoln MKX Insurance Rates by Driver Age
Driver Age Premium
16 $4,156
20 $2,366
30 $1,048
40 $1,030
50 $944
60 $926

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,202
$250 $1,122
$500 $1,030
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,030
50/100 $1,125
100/300 $1,243
250/500 $1,551
100 CSL $1,172
300 CSL $1,433
500 CSL $1,623

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKX Insurance Rates for High Risk Drivers
Age Premium
16 $5,860
20 $3,776
30 $2,242
40 $2,222
50 $2,128
60 $2,106

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.

SR-22 Surcharge $140

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $64
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $46
Online Quote $70
Total Discounts $409
Rate after discounts $621

Discounts are estimated and may not be available from every company or in every state.

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