Lincoln MKX Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance prices for a Lincoln MKX are $994 every 12 months including full coverage. Comprehensive insurance costs an estimated $154, collision costs $214, and liability costs around $468. Liability-only coverage costs as low as $518 a year, with high-risk coverage costing $2,144 or more. Teen drivers cost the most to insure at $4,036 a year or more.
Average premium for full coverage: $994
Policy rates broken down by type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all MKX models.
Price Range Variability
Using a middle-aged driver as an example, Lincoln MKX insurance rates go from the cheapest price of $518 for basic liability insurance to the much higher price of $2,144 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.
The example below illustrates how where you live affects insurance prices.
The examples above highlight why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based 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.
Rate Comparisons
The chart below breaks down estimated Lincoln MKX insurance rates for other coverage scenarios.
- The lowest rate with discounts is $602
- Using higher $1,000 deductibles will save approximately $84 every year
- The average price for a good driver age 40 who has $500 deductibles is $994
- Choosing pricier low deductibles for physical damage coverage costs an extra $160 annually
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,144 or more
- Policy cost to insure a 16-year-old driver for full coverage can cost as much as $4,036 or more
Insurance rates for a Lincoln MKX also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $250 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $421 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,200 to $1,700 additional every year, depending on your age. Lincoln MKX insurance for high-risk drivers can be from 42% to 134% more than average. View High Risk Driver Rates
Your home state has a huge impact on Lincoln MKX insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,420 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$94 | -9.5% |
| Alaska | $764 | -$230 | -23.1% |
| Arizona | $824 | -$170 | -17.1% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,134 | $140 | 14.1% |
| Colorado | $952 | -$42 | -4.2% |
| Connecticut | $1,024 | $30 | 3.0% |
| Delaware | $1,126 | $132 | 13.3% |
| Florida | $1,246 | $252 | 25.4% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $714 | -$280 | -28.2% |
| Idaho | $672 | -$322 | -32.4% |
| Illinois | $742 | -$252 | -25.4% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $670 | -$324 | -32.6% |
| Kansas | $946 | -$48 | -4.8% |
| Kentucky | $1,356 | $362 | 36.4% |
| Louisiana | $1,472 | $478 | 48.1% |
| Maine | $616 | -$378 | -38.0% |
| Maryland | $820 | -$174 | -17.5% |
| Massachusetts | $796 | -$198 | -19.9% |
| Michigan | $1,728 | $734 | 73.8% |
| Minnesota | $832 | -$162 | -16.3% |
| Mississippi | $1,194 | $200 | 20.1% |
| Missouri | $884 | -$110 | -11.1% |
| Montana | $1,070 | $76 | 7.6% |
| Nebraska | $786 | -$208 | -20.9% |
| Nevada | $1,194 | $200 | 20.1% |
| New Hampshire | $718 | -$276 | -27.8% |
| New Jersey | $1,112 | $118 | 11.9% |
| New Mexico | $880 | -$114 | -11.5% |
| New York | $1,048 | $54 | 5.4% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $688 | -$306 | -30.8% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $912 | -$82 | -8.2% |
| Pennsylvania | $950 | -$44 | -4.4% |
| Rhode Island | $1,328 | $334 | 33.6% |
| South Carolina | $902 | -$92 | -9.3% |
| South Dakota | $840 | -$154 | -15.5% |
| Tennessee | $872 | -$122 | -12.3% |
| Texas | $1,198 | $204 | 20.5% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $682 | -$312 | -31.4% |
| Virginia | $596 | -$398 | -40.0% |
| Washington | $770 | -$224 | -22.5% |
| West Virginia | $912 | -$82 | -8.2% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $888 | -$106 | -10.7% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKX 2WD | $976 | $81 |
| Lincoln MKX AWD | $994 | $83 |
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 | $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 cheaper rates on insurance for a Lincoln MKX requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop at every other renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a review of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,150 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $336 each month if full coverage is included
- You may be able to save approximately $110 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- You may be able to save approximately $110 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,036 |
| 20 | $2,282 |
| 30 | $1,012 |
| 40 | $994 |
| 50 | $914 |
| 60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,154 |
| $250 | $1,080 |
| $500 | $994 |
| $1,000 | $910 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,088 |
| 100/300 | $1,205 |
| 250/500 | $1,509 |
| 100 CSL | $1,134 |
| 300 CSL | $1,392 |
| 500 CSL | $1,579 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,678 |
| 20 | $3,638 |
| 30 | $2,162 |
| 40 | $2,144 |
| 50 | $2,052 |
| 60 | $2,030 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $50 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $392 |
Discounts are estimated and may not be available from every company or in every state.
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