Lincoln MKX Insurance Rates

Estimated insurance rates for a Lincoln MKX are $1,270 a year for full coverage. Comprehensive costs approximately $230, collision costs $422, and liability coverage is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $2,756. Teenage drivers pay the most at $4,918 a year or more.

Average premium for full coverage: $1,270

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different MKX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location, rather than using average rates.

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

More Rate Details

The chart below shows estimated Lincoln MKX insurance rates for additional coverage and risk scenarios.

• The best discount rate is $739
• Raising to $1,000 deductibles will save $150 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,270
• Using more expensive low deductibles bumps up the cost to $1,556
• Unlucky drivers who are prone to accidents and violations could pay around $2,756 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost $4,918

View Chart as Image

Insurance prices for a Lincoln MKX also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Lincoln MKX insurance rates. A middle-age driver might find prices as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,810 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $440 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Lincoln MKX Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every time your policy renews by requesting quotes from direct carriers, and also from insurance agencies where you live.

The points below are a review of the information raised in the charts and tables above.

• Drivers can save around $150 per year simply by shopping early and online
• Drivers under the age of 20 are the costliest to insure, as much as $410 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $425 each year
• Drivers who have several accidents or serious violations could be forced to pay on average $1,490 more per year to insure a Lincoln MKX
• Consumers who purchase increased liability limits will pay an extra $510 each year to raise from 30/60 bodily injury limits to the 250/500 level