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 auto insurance rates for a Lincoln MKX are $1,030 annually including full coverage. Comprehensive costs around $160 a year, collision costs $238, and liability coverage costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers 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 for individual coverage type:

Comprehensive $160
Collision $238
Liability $474

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and MKX trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as cheap as $522 for liability-only coverage to a high of $2,222 for a driver that may need high-risk insurance.

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

Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance rates.

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

These examples highlight why it is important to compare prices for a specific zip code and their own personal driving habits, 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 Charts and Tables

The chart below breaks down estimated Lincoln MKX insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $621
  • Using higher $1,000 deductibles will save about $940 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,030
  • Choosing low $100 deductibles for physical damage coverage will cost $1,202
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,222 or more
  • The cost with full coverage for a teenage driver can be $4,156 or more

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

Insurance rates for a Lincoln MKX can also vary considerably based on the trim level of your MKX, your driving characteristics, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,000 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,200 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $270 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lincoln MKX insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,470 on average in Michigan, New York, and Louisiana.

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

With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly different between companies.

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 Buy the Best Cheap Lincoln MKX Insurance

Saving money on auto insurance requires having a decent driving record, having good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around once a year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a quick review of the data that was illustrated above.

  • You may be able to save up to $120 per year simply by quoting early and online
  • Consumers who may need additional liability coverage will pay about $520 per year to increase from a minimum limit to higher 250/500 limits
  • 16 to 18-year-old drivers are charged the highest rates, as much as $346 per month if they have full coverage
  • Drivers with a DUI or reckless driving violation may pay on average $1,190 more every year than a driver with a clean driving record

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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