Lincoln MKC Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 14, 2024
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Estimated insurance rates for a Lincoln MKC are $1,370 a year for full coverage. Comprehensive insurance costs approximately $260 a year, collision costs $500, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing $2,978 or more. 16-year-old drivers pay the most at $5,226 a year or more.
Average premium for full coverage: $1,370
Premium estimates by type of coverage:
Prices include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and MKC trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lincoln MKC go from as low as $504 for minimum levels of liability insurance to a high of $2,978 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities.
The diagram below illustrates how where you live affects auto insurance prices.
These rate differences show why it is important to get quotes using their specific location and risk profile, instead of making a decision based on rate averages.
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.
Additional Rate Details
The chart below shows estimated Lincoln MKC insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $787
- Choosing higher $1,000 deductibles can save $1,198 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,370
- Buying low $100 deductibles for comp and collision coverage will cost an extra $334 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $2,978 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost $5,226 each year
Auto insurance prices for a Lincoln MKC also have a wide range based on your driving characteristics, the trim level of your MKC, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lincoln MKC insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,950 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,238 | -$132 | -9.6% |
| Alaska | $1,050 | -$320 | -23.4% |
| Arizona | $1,136 | -$234 | -17.1% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,558 | $188 | 13.7% |
| Colorado | $1,306 | -$64 | -4.7% |
| Connecticut | $1,408 | $38 | 2.8% |
| Delaware | $1,548 | $178 | 13.0% |
| Florida | $1,712 | $342 | 25.0% |
| Georgia | $1,264 | -$106 | -7.7% |
| Hawaii | $982 | -$388 | -28.3% |
| Idaho | $926 | -$444 | -32.4% |
| Illinois | $1,020 | -$350 | -25.5% |
| Indiana | $1,030 | -$340 | -24.8% |
| Iowa | $924 | -$446 | -32.6% |
| Kansas | $1,300 | -$70 | -5.1% |
| Kentucky | $1,866 | $496 | 36.2% |
| Louisiana | $2,026 | $656 | 47.9% |
| Maine | $844 | -$526 | -38.4% |
| Maryland | $1,128 | -$242 | -17.7% |
| Massachusetts | $1,094 | -$276 | -20.1% |
| Michigan | $2,378 | $1,008 | 73.6% |
| Minnesota | $1,146 | -$224 | -16.4% |
| Mississippi | $1,640 | $270 | 19.7% |
| Missouri | $1,214 | -$156 | -11.4% |
| Montana | $1,470 | $100 | 7.3% |
| Nebraska | $1,080 | -$290 | -21.2% |
| Nevada | $1,642 | $272 | 19.9% |
| New Hampshire | $988 | -$382 | -27.9% |
| New Jersey | $1,530 | $160 | 11.7% |
| New Mexico | $1,212 | -$158 | -11.5% |
| New York | $1,442 | $72 | 5.3% |
| North Carolina | $790 | -$580 | -42.3% |
| North Dakota | $1,120 | -$250 | -18.2% |
| Ohio | $946 | -$424 | -30.9% |
| Oklahoma | $1,404 | $34 | 2.5% |
| Oregon | $1,254 | -$116 | -8.5% |
| Pennsylvania | $1,306 | -$64 | -4.7% |
| Rhode Island | $1,826 | $456 | 33.3% |
| South Carolina | $1,240 | -$130 | -9.5% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,198 | -$172 | -12.6% |
| Texas | $1,652 | $282 | 20.6% |
| Utah | $1,014 | -$356 | -26.0% |
| Vermont | $938 | -$432 | -31.5% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,058 | -$312 | -22.8% |
| West Virginia | $1,254 | -$116 | -8.5% |
| Wisconsin | $948 | -$422 | -30.8% |
| Wyoming | $1,220 | -$150 | -10.9% |
Opting for high physical damage deductibles can save as much as $510 annually, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 44% to 130% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKC | $270 | $538 | $442 | $1,408 |
| 2019 Lincoln MKC | $260 | $500 | $452 | $1,370 |
| 2018 Lincoln MKC | $250 | $470 | $456 | $1,334 |
| 2017 Lincoln MKC | $240 | $422 | $460 | $1,280 |
| 2016 Lincoln MKC | $224 | $388 | $460 | $1,230 |
| 2015 Lincoln MKC | $216 | $364 | $464 | $1,202 |
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 Right Lincoln MKC Insurance
Finding better rates on insurance for a Lincoln MKC takes being a safe and courteous driver, having good credit, not filing small claims, and not having any coverage lapses. Take the time to comparison shop every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a quick rundown of the material that was touched on in the above illustrations.
- Insureds who purchase higher levels of liability will pay around $500 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
- Teenage drivers have the highest car insurance prices, as much as $436 per month if they have full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,610 more per year for auto insurance
- Increasing policy deductibles can save around $500 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,226 |
| 20 | $3,180 |
| 30 | $1,420 |
| 40 | $1,370 |
| 50 | $1,252 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,460 |
| 100/300 | $1,573 |
| 250/500 | $1,867 |
| 100 CSL | $1,506 |
| 300 CSL | $1,754 |
| 500 CSL | $1,935 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,448 |
| 20 | $5,068 |
| 30 | $3,034 |
| 40 | $2,978 |
| 50 | $2,846 |
| 60 | $2,822 |
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 | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $583 |
Discounts are estimated and may not be available from every company or in every state.
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