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...

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UPDATED: Apr 4, 2024

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Estimated insurance prices for a Lincoln MKX are $1,360 every 12 months including full coverage. Comprehensive insurance costs an estimated $250, collision insurance costs $500, and liability is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs $2,962 or more. 16-year-old drivers pay the most at up to $5,210 a year.

Average premium for full coverage: $1,360

Premium estimates broken down by type of coverage:

Comprehensive $250
Collision $500
Liability $452

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all MKX models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Lincoln MKX range from the cheapest price of $504 for just the minimum liability insurance to the much higher price of $2,962 for high-risk insurance.

Liability Only $504
Full Coverage $1,360
High Risk $2,962

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates how your location can change insurance prices.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

These rate differences highlight why everyone should compare rates quotes for a targeted area and their own driving history, instead of using rate 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 Rate Analysis

The chart below breaks down average Lincoln MKX insurance rates for other coverage scenarios.

  • The best full coverage rate is $779
  • Raising to $1,000 deductibles will save approximately $170 every year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,360
  • Buying pricier low deductibles costs an extra $330 every year
  • At-risk drivers with multiple tickets or accidents could pay up to $2,962
  • An auto insurance policy to insure a teen driver for full coverage can cost as much as $5,210

View Chart as Image

Lincoln MKX insurance cost comparison chart
Column chart showing Lincoln MKX insurance prices range from $779 to $5,210 for full coverage

Insurance prices for a Lincoln MKX also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can reduce prices by up to $500 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,600 to $2,300 extra annually, depending on your age. Lincoln MKX insurance for high-risk drivers is expensive and can cost as much as 44% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Lincoln MKX insurance prices. A middle-age driver might find prices as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,940 on average in Louisiana, New York, and Michigan.

Lincoln MKX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,230 -$130 -9.6%
Alaska $1,042 -$318 -23.4%
Arizona $1,126 -$234 -17.2%
Arkansas $1,360 -$0 0.0%
California $1,546 $186 13.7%
Colorado $1,296 -$64 -4.7%
Connecticut $1,396 $36 2.6%
Delaware $1,536 $176 12.9%
Florida $1,700 $340 25.0%
Georgia $1,254 -$106 -7.8%
Hawaii $974 -$386 -28.4%
Idaho $918 -$442 -32.5%
Illinois $1,012 -$348 -25.6%
Indiana $1,022 -$338 -24.9%
Iowa $916 -$444 -32.6%
Kansas $1,290 -$70 -5.1%
Kentucky $1,852 $492 36.2%
Louisiana $2,012 $652 47.9%
Maine $838 -$522 -38.4%
Maryland $1,120 -$240 -17.6%
Massachusetts $1,086 -$274 -20.1%
Michigan $2,358 $998 73.4%
Minnesota $1,136 -$224 -16.5%
Mississippi $1,626 $266 19.6%
Missouri $1,206 -$154 -11.3%
Montana $1,458 $98 7.2%
Nebraska $1,072 -$288 -21.2%
Nevada $1,628 $268 19.7%
New Hampshire $980 -$380 -27.9%
New Jersey $1,518 $158 11.6%
New Mexico $1,202 -$158 -11.6%
New York $1,430 $70 5.1%
North Carolina $784 -$576 -42.4%
North Dakota $1,112 -$248 -18.2%
Ohio $938 -$422 -31.0%
Oklahoma $1,394 $34 2.5%
Oregon $1,244 -$116 -8.5%
Pennsylvania $1,296 -$64 -4.7%
Rhode Island $1,812 $452 33.2%
South Carolina $1,230 -$130 -9.6%
South Dakota $1,146 -$214 -15.7%
Tennessee $1,188 -$172 -12.6%
Texas $1,638 $278 20.4%
Utah $1,006 -$354 -26.0%
Vermont $930 -$430 -31.6%
Virginia $814 -$546 -40.1%
Washington $1,050 -$310 -22.8%
West Virginia $1,244 -$116 -8.5%
Wisconsin $940 -$420 -30.9%
Wyoming $1,210 -$150 -11.0%

View Chart as Image

Lincoln MKX insurance rates by U.S. city

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 $1,322 $110
Lincoln MKX AWD $1,360 $113

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 $274 $558 $430 $1,420
2019 Lincoln MKX $260 $538 $442 $1,398
2018 Lincoln MKX $250 $500 $452 $1,360
2017 Lincoln MKX $240 $470 $456 $1,324
2013 Lincoln MKX $202 $340 $474 $1,174
2012 Lincoln MKX $186 $316 $474 $1,134
2008 Lincoln MKX $154 $214 $468 $994
2007 Lincoln MKX $152 $208 $460 $978

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 Low Cost Lincoln MKX Insurance

Finding better rates on car insurance consists of avoiding accidents and violations, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a review of the material that was illustrated above.

  • Policyholders who want higher liability limits will pay around $500 per year to raise from 30/60 bodily injury limits to a 250/500 level
  • Teenagers are charged the highest prices, with the cost nearing $434 per month if they have full coverage
  • Higher risk drivers who have several accidents or serious violations may have to pay on average $1,600 more annually for car insurance
  • Increasing policy deductibles could save as much as $500 each year

Rates by Driver Age

Lincoln MKX Insurance Rates by Driver Age
Driver Age Premium
16 $5,210
20 $3,164
30 $1,408
40 $1,360
50 $1,244
60 $1,220

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,690
$250 $1,534
$500 $1,360
$1,000 $1,190

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,360
50/100 $1,450
100/300 $1,563
250/500 $1,857
100 CSL $1,496
300 CSL $1,744
500 CSL $1,925

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKX Insurance Rates for High Risk Drivers
Age Premium
16 $7,424
20 $5,046
30 $3,016
40 $2,962
50 $2,830
60 $2,806

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 $194

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $779

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

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