Lincoln MKT Insurance Rates
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UPDATED: Jun 4, 2023
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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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,412 |
$250 | $1,316 |
$500 | $1,200 |
$1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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