Lincoln MKX Insurance Rates

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UPDATED: Apr 4, 2024

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U.S. average insurance prices for a Lincoln MKX are $1,324 every 12 months for full coverage insurance. Comprehensive insurance costs on average $240, collision costs $470, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $2,884 or more. Teenage drivers pay the highest rates at $5,102 a year or more.

Average premium for full coverage: $1,324

Price estimates by individual coverage:

Comprehensive $240
Collision $470
Liability $456

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all MKX models.

Price Range from Low to High

For the normal driver, Lincoln MKX insurance prices go from the cheapest price of $508 for just liability insurance to the much higher price of $2,884 for a high-risk driver policy.

Liability Only $508
Full Coverage $1,324
High Risk $2,884

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.

The example below illustrates how geographic area affects car insurance rates.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

The ranges above illustrate why everyone should compare prices based on a specific location and their own driving history, rather than relying on average rates.

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 illustrates estimated Lincoln MKX insurance rates for different risk profiles and scenarios.

  • The best discount rate is $763
  • Using higher $1,000 deductibles will save around $162 each year
  • The average price for the average middle-age driver with $500 deductibles is $1,324
  • Using pricier low deductibles for physical damage coverage costs an extra $314 a year
  • Drivers who are prone to accidents and violations could pay upwards of $2,884 or more
  • The price to insure a teen driver for full coverage may cost $5,102 or more

View Chart as Image

Lincoln MKX insurance cost comparison chart
Column chart showing full coverage Lincoln MKX insurance prices range from $763 to $5,102

Auto insurance prices for a Lincoln MKX are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your MKX.

Using high physical damage deductibles could cut prices by as much as $480 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. Lincoln MKX insurance for high-risk drivers can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Lincoln MKX insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,790 on average in Michigan, New York, and Florida.

Lincoln MKX Insurance Rates by State
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%

View Chart as Image

Lincoln MKX insurance rates by U.S. city

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.

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 $1,290 $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.

Lincoln MKX Insurance Rates by Model Year
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 Shop for the Right Lincoln MKX Insurance

Getting lower rates on Lincoln MKX insurance requires being a low-risk driver, having a good credit score, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the information presented in the illustrations above.

  • It is possible to save as much as $160 per year simply by quoting online well ahead of the renewal date
  • Teen drivers are charged the highest prices, as much as $425 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles could save as much as $475 each year
  • High-risk drivers with reckless driving or DUI convictions pay on average $1,560 more each year to insure their MKX
  • Drivers who require more liability coverage will pay an extra $500 annually to increase from a low limit to a 250/500 level

Rates by Driver Age

Lincoln MKX Insurance 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

Lincoln MKX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,490
$500 $1,324
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKX Insurance Rates with Different Liability Limits
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

Lincoln MKX Insurance 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.

SR-22 Surcharge $188

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
Rate after discounts $763

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

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