Lincoln MKC Insurance Rates
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UPDATED: Apr 14, 2024
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The average insurance rates for a Lincoln MKC are $1,408 a year including full coverage. Comprehensive costs an estimated $270 a year, collision insurance costs $538, and liability coverage costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $3,070. Teens cost the most to insure at up to $5,352 a year.
Average premium for full coverage: $1,408
Policy rates broken down by type of insurance:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and MKC trim levels.
Price Range Variability
For an average driver, Lincoln MKC insurance rates range from as low as $496 for basic liability insurance to a high of $3,070 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.
The examples above highlight why it is important to compare prices for a targeted area and risk profile, 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.
Rate Comparisons
The chart below breaks down average Lincoln MKC insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $804
- Using higher $1,000 deductibles will save approximately $1,226 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,408
- Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,766
- Higher-risk drivers with serious driving violations could pay up to $3,070
- Policy cost for full coverage for a teenage driver can cost as much as $5,352 or more
Insurance rates for a Lincoln MKC also range considerably based on your risk profile, the model of your MKC, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age
Your home state has a huge impact on Lincoln MKC insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,010 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,274 | -$134 | -9.5% |
| Alaska | $1,082 | -$326 | -23.2% |
| Arizona | $1,170 | -$238 | -16.9% |
| Arkansas | $1,408 | -$0 | 0.0% |
| California | $1,606 | $198 | 14.1% |
| Colorado | $1,346 | -$62 | -4.4% |
| Connecticut | $1,448 | $40 | 2.8% |
| Delaware | $1,594 | $186 | 13.2% |
| Florida | $1,762 | $354 | 25.1% |
| Georgia | $1,300 | -$108 | -7.7% |
| Hawaii | $1,012 | -$396 | -28.1% |
| Idaho | $954 | -$454 | -32.2% |
| Illinois | $1,050 | -$358 | -25.4% |
| Indiana | $1,062 | -$346 | -24.6% |
| Iowa | $950 | -$458 | -32.5% |
| Kansas | $1,338 | -$70 | -5.0% |
| Kentucky | $1,922 | $514 | 36.5% |
| Louisiana | $2,086 | $678 | 48.2% |
| Maine | $868 | -$540 | -38.4% |
| Maryland | $1,164 | -$244 | -17.3% |
| Massachusetts | $1,128 | -$280 | -19.9% |
| Michigan | $2,448 | $1,040 | 73.9% |
| Minnesota | $1,178 | -$230 | -16.3% |
| Mississippi | $1,688 | $280 | 19.9% |
| Missouri | $1,250 | -$158 | -11.2% |
| Montana | $1,514 | $106 | 7.5% |
| Nebraska | $1,110 | -$298 | -21.2% |
| Nevada | $1,690 | $282 | 20.0% |
| New Hampshire | $1,014 | -$394 | -28.0% |
| New Jersey | $1,576 | $168 | 11.9% |
| New Mexico | $1,248 | -$160 | -11.4% |
| New York | $1,484 | $76 | 5.4% |
| North Carolina | $812 | -$596 | -42.3% |
| North Dakota | $1,154 | -$254 | -18.0% |
| Ohio | $974 | -$434 | -30.8% |
| Oklahoma | $1,448 | $40 | 2.8% |
| Oregon | $1,290 | -$118 | -8.4% |
| Pennsylvania | $1,344 | -$64 | -4.5% |
| Rhode Island | $1,880 | $472 | 33.5% |
| South Carolina | $1,276 | -$132 | -9.4% |
| South Dakota | $1,190 | -$218 | -15.5% |
| Tennessee | $1,234 | -$174 | -12.4% |
| Texas | $1,698 | $290 | 20.6% |
| Utah | $1,044 | -$364 | -25.9% |
| Vermont | $964 | -$444 | -31.5% |
| Virginia | $844 | -$564 | -40.1% |
| Washington | $1,090 | -$318 | -22.6% |
| West Virginia | $1,292 | -$116 | -8.2% |
| Wisconsin | $976 | -$432 | -30.7% |
| Wyoming | $1,254 | -$154 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKC | $286 | $558 | $430 | $1,432 |
| 2019 Lincoln MKC | $270 | $538 | $442 | $1,408 |
| 2018 Lincoln MKC | $260 | $500 | $452 | $1,370 |
| 2017 Lincoln MKC | $250 | $470 | $456 | $1,334 |
| 2016 Lincoln MKC | $240 | $422 | $460 | $1,280 |
| 2015 Lincoln MKC | $224 | $388 | $460 | $1,230 |
Rates are averaged for all Lincoln MKC 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 the Best Cheap Lincoln MKC Insurance
Finding cheaper rates on auto insurance requires being a low-risk driver, maintaining good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a quick review of the concepts that were covered in the above illustrations.
- Drivers with a DUI or reckless driving violation may pay on average $1,660 more annually to insure their MKC
- Teen drivers are charged the highest rates, with premiums being up to $446 each month for full coverage
- You may be able to save approximately $170 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $550 each year
- You may be able to save approximately $170 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,352 |
| 20 | $3,278 |
| 30 | $1,466 |
| 40 | $1,408 |
| 50 | $1,290 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,766 |
| $250 | $1,600 |
| $500 | $1,408 |
| $1,000 | $1,226 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,408 |
| 50/100 | $1,496 |
| 100/300 | $1,607 |
| 250/500 | $1,894 |
| 100 CSL | $1,541 |
| 300 CSL | $1,784 |
| 500 CSL | $1,961 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,634 |
| 20 | $5,230 |
| 30 | $3,132 |
| 40 | $3,070 |
| 50 | $2,934 |
| 60 | $2,908 |
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 | $75 |
| Multi-vehicle | $76 |
| Homeowner | $21 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $64 |
| Advance Quote | $71 |
| Online Quote | $100 |
| Total Discounts | $604 |
Discounts are estimated and may not be available from every company or in every state.
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