Lincoln MKT Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance rates for a Lincoln MKT are $1,278 a year for full coverage. Comprehensive costs approximately $234 each year, collision insurance costs $330, and liability costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs around $2,754. 16-year-old drivers cost the most to insure at up to $5,020 a year.
Average premium for full coverage: $1,278
Policy rates by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and MKT models.
Price Range Variability
For the average 40-year-old driver, Lincoln MKT insurance rates range from the low end price of $588 for minimum levels of liability insurance to a high rate of $2,754 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.
The examples above show why all drivers should compare rates using their specific location, 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 average Lincoln MKT insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $764
- Drivers who choose higher $1,000 deductibles will pay $128 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,278
- Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,526
- Drivers with multiple tickets or accidents could pay around $2,754
- Policy cost that insures a 16-year-old driver can cost $5,020 a year
Insurance rates for a Lincoln MKT also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 131% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age
Your home state makes a big difference in Lincoln MKT insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,830 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,156 | -$122 | -9.5% |
| Alaska | $982 | -$296 | -23.2% |
| Arizona | $1,062 | -$216 | -16.9% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,458 | $180 | 14.1% |
| Colorado | $1,220 | -$58 | -4.5% |
| Connecticut | $1,316 | $38 | 3.0% |
| Delaware | $1,448 | $170 | 13.3% |
| Florida | $1,602 | $324 | 25.4% |
| Georgia | $1,182 | -$96 | -7.5% |
| Hawaii | $918 | -$360 | -28.2% |
| Idaho | $868 | -$410 | -32.1% |
| Illinois | $950 | -$328 | -25.7% |
| Indiana | $966 | -$312 | -24.4% |
| Iowa | $864 | -$414 | -32.4% |
| Kansas | $1,214 | -$64 | -5.0% |
| Kentucky | $1,746 | $468 | 36.6% |
| Louisiana | $1,896 | $618 | 48.4% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,056 | -$222 | -17.4% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,220 | $942 | 73.7% |
| Minnesota | $1,070 | -$208 | -16.3% |
| Mississippi | $1,534 | $256 | 20.0% |
| Missouri | $1,134 | -$144 | -11.3% |
| Montana | $1,374 | $96 | 7.5% |
| Nebraska | $1,008 | -$270 | -21.1% |
| Nevada | $1,536 | $258 | 20.2% |
| New Hampshire | $924 | -$354 | -27.7% |
| New Jersey | $1,432 | $154 | 12.1% |
| New Mexico | $1,132 | -$146 | -11.4% |
| New York | $1,348 | $70 | 5.5% |
| North Carolina | $738 | -$540 | -42.3% |
| North Dakota | $1,048 | -$230 | -18.0% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,312 | $34 | 2.7% |
| Oregon | $1,174 | -$104 | -8.1% |
| Pennsylvania | $1,220 | -$58 | -4.5% |
| Rhode Island | $1,706 | $428 | 33.5% |
| South Carolina | $1,160 | -$118 | -9.2% |
| South Dakota | $1,082 | -$196 | -15.3% |
| Tennessee | $1,120 | -$158 | -12.4% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $946 | -$332 | -26.0% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $764 | -$514 | -40.2% |
| Washington | $988 | -$290 | -22.7% |
| West Virginia | $1,174 | -$104 | -8.1% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,140 | -$138 | -10.8% |
Opting for high physical damage deductibles could save up to $380 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKT 3.7 2WD | $1,256 | $105 |
| Lincoln MKT 3.7 AWD | $1,278 | $107 |
Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKT | $344 | $586 | $486 | $1,596 |
| 2019 Lincoln MKT | $326 | $564 | $500 | $1,570 |
| 2018 Lincoln MKT | $312 | $524 | $510 | $1,526 |
| 2017 Lincoln MKT | $300 | $494 | $514 | $1,488 |
| 2016 Lincoln MKT | $288 | $442 | $520 | $1,430 |
| 2015 Lincoln MKT | $270 | $408 | $520 | $1,378 |
| 2014 Lincoln MKT | $260 | $382 | $524 | $1,346 |
| 2013 Lincoln MKT | $254 | $356 | $534 | $1,324 |
| 2012 Lincoln MKT | $234 | $330 | $534 | $1,278 |
| 2011 Lincoln MKT | $228 | $300 | $540 | $1,248 |
| 2010 Lincoln MKT | $212 | $274 | $534 | $1,200 |
Rates are averaged for all Lincoln MKT 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 Lincoln MKT Insurance
Finding cheaper rates on insurance for a Lincoln MKT not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop every couple of years by getting quotes from direct carriers, and also from insurance agencies where you live.
The following items are a brief recap of the material that was touched on in this article.
- Insureds who purchase additional liability coverage will pay around $590 each year to go from a 30/60 limit to the 250/500 level
- 16 to 18-year-old drivers are expensive to insure, costing up to $418 each month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,480 more per year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save approximately $375 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,020 |
| 20 | $2,922 |
| 30 | $1,312 |
| 40 | $1,278 |
| 50 | $1,174 |
| 60 | $1,148 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,526 |
| $250 | $1,412 |
| $500 | $1,278 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,385 |
| 100/300 | $1,518 |
| 250/500 | $1,865 |
| 100 CSL | $1,438 |
| 300 CSL | $1,732 |
| 500 CSL | $1,946 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,104 |
| 20 | $4,654 |
| 30 | $2,788 |
| 40 | $2,754 |
| 50 | $2,630 |
| 60 | $2,604 |
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 | $66 |
| Multi-vehicle | $68 |
| Homeowner | $22 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $49 |
| Advance Quote | $58 |
| Online Quote | $88 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
