Lincoln MKT Insurance Rates

The average insurance rates for a Lincoln MKT are $1,278 a year including full coverage. Comprehensive insurance costs an estimated $234, collision costs $330, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing $2,754 or more. Teen drivers cost the most to insure at $5,020 a year or more.

Average premium for full coverage: $1,278

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all MKT models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down estimated Lincoln MKT insurance rates for other coverage scenarios.

• The lowest rate with discounts is $764
• Raising to $1,000 deductibles will save approximately $128 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,278
• Choosing pricier low deductibles will cost an extra $248 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,754 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,020

View Chart as Image

Car insurance rates for a Lincoln MKT also range considerably based on your risk profile, the model of your MKT, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,000 a year. View Rates by Age

Your home state also has a big influence on Lincoln MKT insurance prices. A middle-age driver might find rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $380 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. 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 $1,500 to $2,100 extra every year, depending on your age. Lincoln MKT insurance for high-risk drivers is expensive and can cost as much as 42% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Lincoln MKT Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief recap of the data covered above.

• Policyholders who want additional liability coverage will pay about $590 per year to raise from a 30/60 limit to 250/500 limits
• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $375 each year
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $418 each month if full coverage is included