Lincoln MKX 2WD Insurance Rates

The average insurance rates for a Lincoln MKX 2WD are $1,438 a year for full coverage. Comprehensive costs an estimated $312, collision insurance costs $604, and liability costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $3,114. Teenage drivers cost the most to insure at up to $5,298 a year.

Annual premium for full coverage: $1,438

Policy rates broken down by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lincoln MKX Trim Level

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates how your location can change insurance prices.

These price differences show why everyone should compare prices for a targeted area, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Insurance prices for a Lincoln MKX 2WD also range considerably based on the replacement cost of your MKX, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,700 to $2,300 additional every year, depending on your age. Lincoln MKX 2WD insurance for high-risk drivers can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age

Your home state has a huge impact on Lincoln MKX 2WD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $620 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $327 more each year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and rates will be varied.

View Chart as Image

Chart shows Lincoln MKX 2WD insurance prices for various risks and coverage choices. The cheapest discount price is $819. Drivers who use higher $1,000 deductibles will pay $1,230. The average price for a driver around age 40 using $500 deductibles is $1,438. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,842. Drivers with multiple violations and accidents could be charged around $3,114. The rate for full coverage insurance for a teenage driver can be as high as $5,298.

View Chart as Image