Lincoln MKX Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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...

Insurance Lawyer

UPDATED: Apr 4, 2024

Advertiser Disclosure

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.

Average auto insurance rates for a Lincoln MKX are $1,324 annually for full coverage. Comprehensive costs an estimated $240 a year, collision costs $470, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $2,884. Teen drivers receive the highest rates at $5,102 a year or more.

Average premium for full coverage: $1,324

Rate estimates broken down by individual coverage type:

Comprehensive $240
Collision $470
Liability $456

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and MKX trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as cheap as $508 for basic liability insurance to a high of $2,884 for a driver who has had serious violations or accidents.

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

Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

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

These examples show why it is important to compare prices for a targeted area and their own personal driving habits, instead of using price 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.

Rate Comparisons

The chart below shows estimated Lincoln MKX insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $763
  • Using higher $1,000 deductibles will save approximately $1,162 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,324
  • Choosing low $100 deductibles for physical damage coverage will cost $1,638
  • Drivers with multiple violations and an at-fault accident could pay up to $2,884 or more
  • The cost with full coverage for a teen driver can cost as much as $5,102 or more

View Chart as Image

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

Auto insurance rates for a Lincoln MKX can also vary considerably based on the trim level of your MKX, your driver profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $480 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lincoln MKX insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,890 on average in New York, Louisiana, and Michigan.

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

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates can be significantly different 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 Cheaper Lincoln MKX Insurance

Saving money on car insurance requires avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a condensed summary of the ideas that were covered in the charts and tables above.

  • Drivers under the age of 20 are the costliest to insure, costing as high as $425 per month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,560 more annually to insure a Lincoln MKX
  • Increasing deductibles could save up to $475 each year
  • Drivers can save approximately $160 per year simply by quoting early and online

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles