Lincoln MKX Insurance Rates
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UPDATED: Apr 4, 2024
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The average insurance rates for a Lincoln MKX are $1,360 a year for full coverage. Comprehensive costs around $250, collision costs $500, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $2,962. Teenage drivers cost the most to insure at $5,210 a year or more.
Average premium for full coverage: $1,360
Policy rates for type of insurance:
Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different MKX trim levels.
Price Range Variability
Using a middle-aged driver as an example, Lincoln MKX insurance rates go from as low as $504 for just liability insurance to a much higher rate of $2,962 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.
The price range example below illustrates how where you live affects auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on 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.
More Rate Details
The chart below shows estimated Lincoln MKX insurance rates for additional coverage choices and driver risks.
- The best discount rate is $779
- Drivers who choose higher $1,000 deductibles will pay about $170 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,360
- Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,690
- High risk drivers who are prone to accidents and violations could pay at least $2,962 or more
- Policy cost for full coverage for a teen driver with full coverage can be $5,210 a year
Auto insurance rates for a Lincoln MKX also range considerably based on your risk profile, the trim level of your MKX, and deductibles and policy limits.
An older driver with a good driving record and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age
Your home state makes a big difference in Lincoln MKX insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,940 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,230 | -$130 | -9.6% |
| Alaska | $1,042 | -$318 | -23.4% |
| Arizona | $1,126 | -$234 | -17.2% |
| Arkansas | $1,360 | -$0 | 0.0% |
| California | $1,546 | $186 | 13.7% |
| Colorado | $1,296 | -$64 | -4.7% |
| Connecticut | $1,396 | $36 | 2.6% |
| Delaware | $1,536 | $176 | 12.9% |
| Florida | $1,700 | $340 | 25.0% |
| Georgia | $1,254 | -$106 | -7.8% |
| Hawaii | $974 | -$386 | -28.4% |
| Idaho | $918 | -$442 | -32.5% |
| Illinois | $1,012 | -$348 | -25.6% |
| Indiana | $1,022 | -$338 | -24.9% |
| Iowa | $916 | -$444 | -32.6% |
| Kansas | $1,290 | -$70 | -5.1% |
| Kentucky | $1,852 | $492 | 36.2% |
| Louisiana | $2,012 | $652 | 47.9% |
| Maine | $838 | -$522 | -38.4% |
| Maryland | $1,120 | -$240 | -17.6% |
| Massachusetts | $1,086 | -$274 | -20.1% |
| Michigan | $2,358 | $998 | 73.4% |
| Minnesota | $1,136 | -$224 | -16.5% |
| Mississippi | $1,626 | $266 | 19.6% |
| Missouri | $1,206 | -$154 | -11.3% |
| Montana | $1,458 | $98 | 7.2% |
| Nebraska | $1,072 | -$288 | -21.2% |
| Nevada | $1,628 | $268 | 19.7% |
| New Hampshire | $980 | -$380 | -27.9% |
| New Jersey | $1,518 | $158 | 11.6% |
| New Mexico | $1,202 | -$158 | -11.6% |
| New York | $1,430 | $70 | 5.1% |
| North Carolina | $784 | -$576 | -42.4% |
| North Dakota | $1,112 | -$248 | -18.2% |
| Ohio | $938 | -$422 | -31.0% |
| Oklahoma | $1,394 | $34 | 2.5% |
| Oregon | $1,244 | -$116 | -8.5% |
| Pennsylvania | $1,296 | -$64 | -4.7% |
| Rhode Island | $1,812 | $452 | 33.2% |
| South Carolina | $1,230 | -$130 | -9.6% |
| South Dakota | $1,146 | -$214 | -15.7% |
| Tennessee | $1,188 | -$172 | -12.6% |
| Texas | $1,638 | $278 | 20.4% |
| Utah | $1,006 | -$354 | -26.0% |
| Vermont | $930 | -$430 | -31.6% |
| Virginia | $814 | -$546 | -40.1% |
| Washington | $1,050 | -$310 | -22.8% |
| West Virginia | $1,244 | -$116 | -8.5% |
| Wisconsin | $940 | -$420 | -30.9% |
| Wyoming | $1,210 | -$150 | -11.0% |
Using high physical damage deductibles could save up to $500 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKX 2WD | $1,322 | $110 |
| Lincoln MKX AWD | $1,360 | $113 |
Rates assume 2018 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 MKX | $274 | $558 | $430 | $1,420 |
| 2019 Lincoln MKX | $260 | $538 | $442 | $1,398 |
| 2018 Lincoln MKX | $250 | $500 | $452 | $1,360 |
| 2017 Lincoln MKX | $240 | $470 | $456 | $1,324 |
| 2013 Lincoln MKX | $202 | $340 | $474 | $1,174 |
| 2012 Lincoln MKX | $186 | $316 | $474 | $1,134 |
| 2008 Lincoln MKX | $154 | $214 | $468 | $994 |
| 2007 Lincoln MKX | $152 | $208 | $460 | $978 |
Rates are averaged for all Lincoln MKX 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 MKX Insurance
Finding cheaper rates on Lincoln MKX insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The items below are a quick rundown of the information touched on in the above illustrations.
- Drivers can save up to $160 per year simply by shopping early and online
- Teen drivers are expensive to insure, costing up to $434 each month if they have full coverage
- Increasing comprehensive and collision deductibles can save around $500 each year
- High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,600 more every year to insure their MKX
- Drivers who may need more liability coverage will pay an extra $500 each year to go from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,210 |
| 20 | $3,164 |
| 30 | $1,408 |
| 40 | $1,360 |
| 50 | $1,244 |
| 60 | $1,220 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,690 |
| $250 | $1,534 |
| $500 | $1,360 |
| $1,000 | $1,190 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,360 |
| 50/100 | $1,450 |
| 100/300 | $1,563 |
| 250/500 | $1,857 |
| 100 CSL | $1,496 |
| 300 CSL | $1,744 |
| 500 CSL | $1,925 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,424 |
| 20 | $5,046 |
| 30 | $3,016 |
| 40 | $2,962 |
| 50 | $2,830 |
| 60 | $2,806 |
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 | $72 |
| 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 | $96 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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