Lincoln MKX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 4, 2024

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The average auto insurance rates for a Lincoln MKX are $1,324 annually with full coverage. Comprehensive insurance costs on average $240, collision costs $470, and liability costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing $2,884 or more. 16-year-old drivers cost the most to insure at $5,102 a year or more.

Average premium for full coverage: $1,324

Policy rates by type of insurance:

Comprehensive $240
Collision $470
Liability $456

Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all MKX models.

Price Range Variability

For a driver in their 40's, Lincoln MKX insurance rates go from as cheap as $508 for your basic liability-only policy to the much higher price of $2,884 for high-risk insurance.

Liability Only $508
Full Coverage $1,324
High Risk $2,884

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities.

The example below illustrates how location helps determine car insurance rates.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

The examples above demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, 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.

More Rate Information

The chart below details estimated Lincoln MKX insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $763
  • Drivers who choose higher $1,000 deductibles will pay around $162 annually
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,324
  • Buying pricier low deductibles for comprehensive and collision insurance costs an additional $314 annually
  • Drivers with multiple tickets or accidents could pay upwards of $2,884 or more
  • Policy cost with full coverage for a 16-year-old driver for full coverage may cost $5,102 a year

View Chart as Image

Lincoln MKX insurance cost comparison chart
Column chart showing full coverage Lincoln MKX insurance prices range from $763 to $5,102

Car insurance rates for a Lincoln MKX also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. Lincoln MKX insurance for high-risk drivers can cost from 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $480 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lincoln MKX insurance prices. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,790 on average in Florida, Michigan, and New York.

Lincoln MKX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$128 -9.7%
Alaska $1,016 -$308 -23.3%
Arizona $1,098 -$226 -17.1%
Arkansas $1,324 -$0 0.0%
California $1,508 $184 13.9%
Colorado $1,264 -$60 -4.5%
Connecticut $1,360 $36 2.7%
Delaware $1,498 $174 13.1%
Florida $1,658 $334 25.2%
Georgia $1,222 -$102 -7.7%
Hawaii $952 -$372 -28.1%
Idaho $894 -$430 -32.5%
Illinois $986 -$338 -25.5%
Indiana $996 -$328 -24.8%
Iowa $894 -$430 -32.5%
Kansas $1,258 -$66 -5.0%
Kentucky $1,806 $482 36.4%
Louisiana $1,958 $634 47.9%
Maine $818 -$506 -38.2%
Maryland $1,092 -$232 -17.5%
Massachusetts $1,060 -$264 -19.9%
Michigan $2,300 $976 73.7%
Minnesota $1,108 -$216 -16.3%
Mississippi $1,586 $262 19.8%
Missouri $1,174 -$150 -11.3%
Montana $1,424 $100 7.6%
Nebraska $1,042 -$282 -21.3%
Nevada $1,586 $262 19.8%
New Hampshire $952 -$372 -28.1%
New Jersey $1,480 $156 11.8%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $762 -$562 -42.4%
North Dakota $1,082 -$242 -18.3%
Ohio $914 -$410 -31.0%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,262 -$62 -4.7%
Rhode Island $1,766 $442 33.4%
South Carolina $1,198 -$126 -9.5%
South Dakota $1,116 -$208 -15.7%
Tennessee $1,160 -$164 -12.4%
Texas $1,594 $270 20.4%
Utah $982 -$342 -25.8%
Vermont $908 -$416 -31.4%
Virginia $794 -$530 -40.0%
Washington $1,022 -$302 -22.8%
West Virginia $1,214 -$110 -8.3%
Wisconsin $918 -$406 -30.7%
Wyoming $1,180 -$144 -10.9%

View Chart as Image

Lincoln MKX insurance rates by U.S. city

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

Lincoln MKX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKX 2WD $1,290 $108
Lincoln MKX AWD $1,324 $110

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.

Lincoln MKX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKX $260 $538 $442 $1,398
2019 Lincoln MKX $250 $500 $452 $1,360
2018 Lincoln MKX $240 $470 $456 $1,324
2017 Lincoln MKX $230 $422 $460 $1,270
2013 Lincoln MKX $186 $316 $474 $1,134
2012 Lincoln MKX $182 $286 $478 $1,104
2008 Lincoln MKX $152 $208 $460 $978
2007 Lincoln MKX $150 $198 $452 $958

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 Buy More Affordable Lincoln MKX Insurance

Finding cheaper rates on insurance for a Lincoln MKX not only requires being a safe and courteous driver, but also having a good credit score, not filing small claims, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a summary of the material that was covered in the charts and tables above.

  • Insureds who require higher levels of liability will pay around $500 every year to go from a 30/60 limit to higher 250/500 limits
  • Teenage drivers are expensive to insure, as much as $425 each month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,560 more each year for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $475 each year

Rates by Driver Age

Lincoln MKX Insurance Rates by Driver Age
Driver Age Premium
16 $5,102
20 $3,082
30 $1,368
40 $1,324
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,490
$500 $1,324
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,415
100/300 $1,529
250/500 $1,826
100 CSL $1,461
300 CSL $1,712
500 CSL $1,894

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKX Insurance Rates for High Risk Drivers
Age Premium
16 $7,264
20 $4,914
30 $2,934
40 $2,884
50 $2,756
60 $2,732

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.

SR-22 Surcharge $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $58
Advance Quote $65
Online Quote $93
Total Discounts $561
Rate after discounts $763

Discounts are estimated and may not be available from every company or in every state.

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