Lincoln MKX Insurance Rates
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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.
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$64|
|5-yr Claim Free||$65|
|Paid in Full/EFT||$38|
Discounts are estimated and may not be available from every company or in every state.
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