Lincoln MKT Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Lincoln MKT are $1,200 a year including full coverage. Comprehensive costs approximately $212 each year, collision costs $274, and liability coverage costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing around $2,580. Teens pay the most at $4,768 a year or more.

Average premium for full coverage: $1,200

Premium estimates by type of coverage:

Comprehensive $212
Collision $274
Liability $534

Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and MKT models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Lincoln MKT go from the low end price of $588 for just liability insurance to a high rate of $2,580 for a driver who requires high-risk insurance.

Liability Only $588
Full Coverage $1,200
High Risk $2,580

Insurance Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These rate differences highlight why all drivers should compare prices using their specific location, rather than using averaged prices.

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 Details

The chart below breaks down estimated Lincoln MKT insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $726
  • Using higher $1,000 deductibles will save $110 every year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,200
  • Selecting low deductibles for physical damage coverage bumps up the cost to $1,412
  • Higher-risk drivers with serious driving violations could pay around $2,580 or more
  • An auto insurance policy that insures a teenage driver can cost $4,768 or more

View Chart as Image

Lincoln MKT insurance cost comparison chart
Column chart showing full coverage Lincoln MKT insurance rates range from $726 to $4,768

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

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers can be around 42% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Lincoln MKT insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,720 on average in Louisiana, New York, and Michigan.

Lincoln MKT Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$114 -9.5%
Alaska $922 -$278 -23.2%
Arizona $998 -$202 -16.8%
Arkansas $1,200 -$0 0.0%
California $1,370 $170 14.2%
Colorado $1,146 -$54 -4.5%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,504 $304 25.3%
Georgia $1,110 -$90 -7.5%
Hawaii $862 -$338 -28.2%
Idaho $814 -$386 -32.2%
Illinois $892 -$308 -25.7%
Indiana $908 -$292 -24.3%
Iowa $812 -$388 -32.3%
Kansas $1,140 -$60 -5.0%
Kentucky $1,638 $438 36.5%
Louisiana $1,780 $580 48.3%
Maine $744 -$456 -38.0%
Maryland $992 -$208 -17.3%
Massachusetts $960 -$240 -20.0%
Michigan $2,086 $886 73.8%
Minnesota $1,006 -$194 -16.2%
Mississippi $1,440 $240 20.0%
Missouri $1,064 -$136 -11.3%
Montana $1,290 $90 7.5%
Nebraska $948 -$252 -21.0%
Nevada $1,444 $244 20.3%
New Hampshire $868 -$332 -27.7%
New Jersey $1,344 $144 12.0%
New Mexico $1,064 -$136 -11.3%
New York $1,266 $66 5.5%
North Carolina $692 -$508 -42.3%
North Dakota $984 -$216 -18.0%
Ohio $828 -$372 -31.0%
Oklahoma $1,232 $32 2.7%
Oregon $1,102 -$98 -8.2%
Pennsylvania $1,144 -$56 -4.7%
Rhode Island $1,602 $402 33.5%
South Carolina $1,088 -$112 -9.3%
South Dakota $1,016 -$184 -15.3%
Tennessee $1,050 -$150 -12.5%
Texas $1,446 $246 20.5%
Utah $890 -$310 -25.8%
Vermont $824 -$376 -31.3%
Virginia $718 -$482 -40.2%
Washington $926 -$274 -22.8%
West Virginia $1,102 -$98 -8.2%
Wisconsin $832 -$368 -30.7%
Wyoming $1,070 -$130 -10.8%

View Chart as Image

Lincoln MKT insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $330 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Lincoln MKT Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKT 3.7 2WD $1,182 $99
Lincoln MKT 3.7 AWD $1,200 $100

Rates assume 2010 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 MKT Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Lincoln MKT $212 $274 $534 $1,200

Rates are averaged for all Lincoln MKT 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 More Affordable Lincoln MKT Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Compare rates at every other renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a summary of the concepts that were raised in the charts and tables above.

  • Drivers who have multiple accidents or major violations will likely pay on average $1,380 more per year for MKT insurance
  • Teens are the costliest to insure, with the cost nearing $397 per month if comprehensive and collision insurance is included
  • You may be able to save around $140 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $325 each year
  • You may be able to save around $140 per year simply by quoting online in advance

Rates by Driver Age

Lincoln MKT Insurance Rates by Driver Age
Driver Age Premium
16 $4,768
20 $2,736
30 $1,226
40 $1,200
50 $1,102
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,316
$500 $1,200
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKT Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,307
100/300 $1,440
250/500 $1,787
100 CSL $1,360
300 CSL $1,654
500 CSL $1,868

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKT Insurance Rates for High Risk Drivers
Age Premium
16 $6,732
20 $4,358
30 $2,604
40 $2,580
50 $2,466
60 $2,440

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 $160

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $64
Homeowner $21
5-yr Accident Free $74
5-yr Claim Free $75
Paid in Full/EFT $44
Advance Quote $53
Online Quote $82
Total Discounts $474
Rate after discounts $726

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles