Lincoln MKX AWD Insurance Rates

U.S. average insurance rates for a Lincoln MKX AWD are $1,482 a year including full coverage. Comprehensive costs an estimated $326 each year, collision insurance costs $634, and liability insurance costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $3,214. Teenage drivers pay the highest rates at up to $5,440 a year.

Annual premium for full coverage: $1,482

Price estimates broken down by individual coverage:

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

Price Range for Insurance for this Lincoln MKX Trim Level

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

These price ranges highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Lincoln MKX AWD are also quite variable based on your driving record, the replacement cost of your MKX, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teenage drivers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

The state you live in has a huge impact on Lincoln MKX AWD insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $650 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,800 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates may be quite different from one company to the next.

View Chart as Image

The chart above shows average Lincoln MKX AWD insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $843. Drivers who use higher $1,000 deductibles will pay around $1,266. The average rate for a driver around age 40 using $500 deductibles is $1,482. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,910. Drivers with multiple violations and accidents could be charged at least $3,214. The policy rate for full coverage insurance for a teenage driver can be as high as $5,440.

View Chart as Image