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Lincoln MKT insurance rates are $107 more expensive per year than the average vehicle. Full coverage rates are $136 per month, while liability-only coverage costs $54. Continue reading to learn how you can save money on Lincoln MKT insurance rates through policy discounts.
You can start comparing quotes for Lincoln MKT auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
The average Lincoln MKT auto insurance rates are $1,626 a year or $136 a month.
The chart below details how Lincoln MKT insurance rates compare to other crossovers like the Cadillac XT4, Chevrolet Trax, and Chevrolet Equinox.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lincoln MKT | $370 | $626 | $450 | $1,626 |
| Cadillac XT4 | $362 | $656 | $316 | $1,470 |
| Chevrolet Trax | $280 | $470 | $372 | $1,280 |
| Chevrolet Equinox | $308 | $532 | $372 | $1,370 |
| Ford EcoSport | $280 | $500 | $372 | $1,310 |
| Hyundai Kona | $280 | $500 | $316 | $1,232 |
| Infiniti QX30 | $344 | $686 | $398 | $1,586 |
However, there are a few things you can do to find the cheapest Lincoln insurance rates online.
The Lincoln MKT trim and model you choose can impact the total price you will pay for Lincoln MKT insurance coverage.
Older Lincoln MKT models generally cost less to insure. For example, auto insurance rates for a 2018 Lincoln MKT are $1,626, while 2010 Lincoln MKT rates are $1,346, a difference of $280.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Lincoln MKT | $370 | $626 | $450 | $1,626 |
| 2017 Lincoln MKT | $356 | $610 | $470 | $1,616 |
| 2016 Lincoln MKT | $344 | $586 | $486 | $1,596 |
| 2015 Lincoln MKT | $326 | $564 | $500 | $1,570 |
| 2014 Lincoln MKT | $312 | $524 | $510 | $1,526 |
| 2013 Lincoln MKT | $300 | $494 | $514 | $1,488 |
| 2012 Lincoln MKT | $288 | $442 | $520 | $1,430 |
| 2011 Lincoln MKT | $270 | $408 | $520 | $1,378 |
| 2010 Lincoln MKT | $260 | $382 | $524 | $1,346 |
Driver age can have a significant impact on the cost of Lincoln MKT auto insurance. For example, 20-year-old drivers pay as much as $2,060 more each year for their Lincoln MKT auto insurance than 40-year-old drivers.
Where you live can have a large impact on Lincoln MKT insurance rates. For example, drivers in Houston may pay $1,198 a year more than drivers in Columbus.
Your driving record can have an impact on the cost of Lincoln MKT auto insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKT auto insurance with violations on their driving record.
The Lincoln MKT’s safety ratings will affect your Lincoln MKT auto insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | G |
| Side | G |
| Roof strength | G |
| Head restraints and seats | G |
| Source: Insurance Institute for Highway Safety | |
If the Lincoln MKT crash test ratings are good, you could have lower Lincoln MKT auto insurance rates. See Lincoln MKT crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Lincoln MKT SUV FWD | N/R | N/R | N/R | 4 stars |
| 2019 Lincoln MKT SUV AWD | N/R | N/R | N/R | 4 stars |
| 2018 Lincoln MKT SUV FWD | N/R | N/R | N/R | 4 stars |
| 2018 Lincoln MKT SUV AWD | N/R | N/R | N/R | 4 stars |
| 2017 Lincoln MKT SUV FWD | N/R | N/R | N/R | 4 stars |
| 2017 Lincoln MKT SUV AWD | N/R | N/R | N/R | 4 stars |
| 2016 Lincoln MKT SUV FWD | N/R | N/R | N/R | 4 stars |
| 2016 Lincoln MKT SUV AWD | N/R | N/R | N/R | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
The safety features of the Lincoln MKT can impact your Lincoln MKT auto insurance rates. The Lincoln MKT has the following safety features:
Lincoln MKT’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Lincoln MKT, others are more favorable and lead to lower insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 28% |
|---|---|
| Property Damage | no data |
| Comprehensive | 33% |
| Personal Injury | no data |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
If you are financing a Lincoln MKT, most lenders will require your carry higher Lincoln MKT coverage options including comprehensive coverage, so be sure to shop around and compare Lincoln MKT auto insurance quotes from the best auto insurance companies using our FREE tool below.
There are many ways that you can save on Lincoln MKT auto insurance. Below are five actions you can take to find cheap Lincoln MKT auto insurance rates.
Who is the top auto insurance company for Lincoln MKT insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lincoln MKT auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lincoln MKT offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Save money by comparing Lincoln MKT insurance rates with free quotes online now!
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