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: Apr 4, 2024

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

Average premium for full coverage: $1,324

Price estimates for individual coverage:

Comprehensive $240
Collision $470
Liability $456

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

Price Range from Low to High

For the average driver, Lincoln MKX insurance prices go from the cheapest price of $508 for your basic liability-only policy to a high of $2,884 for a driver that may need high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

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

The ranges above demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, 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 Information

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

  • The lowest rate with discounts is $763
  • Raising to $1,000 deductibles will save about $1,162 annually
  • The average price for the average middle-age driver using $500 deductibles is $1,324
  • Choosing low $100 deductibles costs an extra $314 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,884 or more
  • The price to insure a teen driver can be $5,102

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 driving record, and the trim level and model year.

Choosing high deductibles can reduce prices by up to $480 each year, while buying higher liability limits will increase prices. Moving 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

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Lincoln MKX insurance rates. A middle-age driver might find prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,790 on average in Florida, Michigan, and New York.

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 best way to find out your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, 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 Best Lincoln MKX Insurance

Getting lower rates on Lincoln MKX insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the data that was touched on above.

  • You may be able to save up to $160 per year simply by quoting early and online
  • Drivers who may need additional liability coverage will pay about $500 every year to raise from a low limit to a 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, costing up to $425 a month if comprehensive and collision insurance is included
  • High-risk drivers who tend to receive serious violations pay on average $1,560 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 $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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