Lincoln MKC Insurance Rates
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UPDATED: Apr 14, 2024
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Average insurance rates for a Lincoln MKC are $1,408 a year including full coverage. Comprehensive insurance costs around $270 each year, collision insurance costs $538, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $3,070 or more. Teens receive the highest rates at up to $5,352 a year.
Average premium for full coverage: $1,408
Rate estimates for individual coverage type:
Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and MKC models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $496 for just liability insurance to a high rate of $3,070 for a high-risk driver policy.
Price Range by Location
Where you live has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.
These examples highlight why all drivers should compare prices for a specific zip code, rather than relying on 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.
More Rate Details
The chart below breaks down average Lincoln MKC insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $804
- Using higher $1,000 deductibles will save about $182 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,408
- Selecting low deductibles for physical damage coverage will cost an additional $358 a year
- Drivers with serious driving violations could pay at least $3,070
- The cost that insures a teen driver can be $5,352 or more
Insurance rates for a Lincoln MKC can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age
Where you live 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 Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.
| 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 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
| 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 Cheapest Lincoln MKC Insurance
Saving money on Lincoln MKC insurance requires being a low-risk driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a recap of the information illustrated above.
- You may be able to save up to $170 per year just by quoting online in advance
- Teen drivers are charged the highest rates, as much as $446 per month if comprehensive and collision insurance is included
- Increasing deductibles can save approximately $550 each year
- High-risk drivers that have major violations or accidents may have to pay on average $1,660 more every year to insure their MKC
- Drivers who may need more liability coverage will pay approximately $490 per year to increase from a minimum limit to the 250/500 level
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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