Lincoln MKC Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 14, 2024
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Average auto insurance rates for a Lincoln MKC are $1,370 annually with full coverage. Comprehensive insurance costs around $260 a year, collision insurance costs $500, and liability coverage is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs $2,978 or more. Teenage drivers receive the highest rates at up to $5,226 a year.
Average premium for full coverage: $1,370
Rate estimates for individual coverage type:
Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and MKC trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $504 for liability-only coverage to a high of $2,978 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.
These examples demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using average rates.
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 Charts and Tables
The chart below details average Lincoln MKC insurance rates for additional coverage choices and driver risks.
- The best discount rate is $787
- Choosing higher $1,000 deductibles can save about $1,198 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,370
- Using low $100 deductibles for comp and collision coverage costs an additional $334 each year
- Drivers who are prone to accidents and violations could pay at least $2,978
- The cost with full coverage for a teenage driver can be $5,226 each year
Insurance rates for a Lincoln MKC can also vary considerably based on the trim level of your MKC, your driving record, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $510 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Lincoln MKC insurance rates. A good driver about age 40 could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,850 on average in Florida, Michigan, and New York.
| 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% |
| 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 Buy Affordable Lincoln MKC Insurance
Saving money on auto insurance takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every year by quoting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a brief review of the coverage data raised in the charts and tables above.
- You may be able to save up to $170 per year just by quoting early and online
- Increasing deductibles could save up to $500 each year
- Teenage drivers are charged the highest rates, with premiums as much as $436 per month if they have full coverage
- Drivers with DUI or reckless driving convictions may pay on average $1,610 more every year for auto insurance
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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