Lincoln MKX Insurance Rates

U.S. average auto insurance rates for a Lincoln MKX are $1,270 annually for full coverage. Comprehensive insurance costs on average $230 a year, collision costs $422, and liability coverage costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing $2,756 or more. Teens pay the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,270

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on car insurance rates.

The ranges above show why it is important to compare rates based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $739
• Drivers who choose higher $1,000 deductibles will pay around $1,120 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,270
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $286 each year
• High-risk insureds with serious driving violations could pay upwards of $2,756 or more
• The price with full coverage for a teenage driver may cost $4,918 a year

View Chart as Image

Car insurance prices for a Lincoln MKX are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $440 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lincoln MKX insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see how they stack up. Every company calculates prices differently, so rate quotes may be quite different between companies.

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 Buy Low Cost Lincoln MKX Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a review of the concepts that were touched on in this article.

• Drivers who have several accidents or serious violations may be required to pay an average of $1,490 more each year than a low-risk driver
• Youthful drivers are expensive to insure, with premiums as much as $410 a month if comprehensive and collision insurance is included
• Drivers can save as much as $150 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $425 each year
• Drivers can save as much as $150 per year simply by quoting early and online