Lincoln MKX Insurance Rates
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UPDATED: Jun 4, 2023
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Average auto insurance rates for a Lincoln MKX are $1,030 annually including full coverage. Comprehensive costs around $160 a year, collision costs $238, and liability coverage costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers 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 for individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and MKX trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $522 for liability-only coverage to a high of $2,222 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance rates.
These examples highlight why it is important to compare prices for a specific zip code and their own personal driving habits, rather than 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.
Additional Charts and Tables
The chart below breaks down estimated Lincoln MKX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $621
- Using higher $1,000 deductibles will save about $940 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,030
- Choosing low $100 deductibles for physical damage coverage will cost $1,202
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,222 or more
- The cost with full coverage for a teenage driver can be $4,156 or more
Insurance rates for a Lincoln MKX can also vary considerably based on the trim level of your MKX, your driving characteristics, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,000 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,200 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $270 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lincoln MKX insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,470 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly different between companies.
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 Buy the Best Cheap Lincoln MKX Insurance
Saving money on auto insurance requires having a decent driving record, having good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around once a year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a quick review of the data that was illustrated above.
- You may be able to save up to $120 per year simply by quoting early and online
- Consumers who may need additional liability coverage will pay about $520 per year to increase from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are charged the highest rates, as much as $346 per month if they have full coverage
- Drivers with a DUI or reckless driving violation may pay on average $1,190 more every year than a driver with a clean driving record
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.