8:00 - 17:00
Opening Hour: Mon - Fri
Key takeaways:
Lincoln MKX insurance rates are $121 per month or $1,446 per year. If you only need liability insurance, your Lincoln MKX insurance rates will be $48 per month. While good drivers save $596 per year, teen drivers will pay $440 per month for Lincoln MKX insurance rates. Continue through the guide to learn how you can save money on Lincoln MKX auto insurance.
You can start comparing quotes for Lincoln MKX auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
The average Lincoln MKX auto insurance rates are $1,446 a year or $121 a month.
The chart below details how Lincoln MKX insurance rates compare to other crossovers like the Buick Envision, Lincoln MKT, and Nissan Rogue.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lincoln MKX | $294 | $596 | $398 | $1,446 |
| Buick Envision | $320 | $566 | $398 | $1,442 |
| Lincoln MKT | $370 | $626 | $450 | $1,626 |
| Nissan Rogue | $268 | $512 | $440 | $1,400 |
| MINI Clubman | $320 | $506 | $398 | $1,382 |
| Cadillac XT4 | $362 | $656 | $316 | $1,470 |
| Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
However, there are a few things you can do to find the cheapest Lincoln insurance rates online.
The Lincoln MKX trim and model you choose can impact the total price you will pay for Lincoln MKX auto insurance coverage.
Older Lincoln MKX models generally cost less to insure. For example, auto insurance for a 2018 Lincoln MKX costs $1,446, while 2010 Lincoln MKX insurance costs are $1,192, a difference of $254.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Lincoln MKX | $294 | $596 | $398 | $1,446 |
| 2017 Lincoln MKX | $284 | $582 | $416 | $1,440 |
| 2016 Lincoln MKX | $274 | $558 | $430 | $1,420 |
| 2015 Lincoln MKX | $260 | $538 | $442 | $1,398 |
| 2014 Lincoln MKX | $250 | $500 | $452 | $1,360 |
| 2013 Lincoln MKX | $240 | $470 | $456 | $1,324 |
| 2012 Lincoln MKX | $230 | $422 | $460 | $1,270 |
| 2011 Lincoln MKX | $214 | $388 | $460 | $1,220 |
| 2010 Lincoln MKX | $206 | $364 | $464 | $1,192 |
Driver age can have a significant effect on Lincoln MKX auto insurance rates. As an example, a 30-year-old driver pays around $64 more each year for their Lincoln MKX auto insurance than a 40-year-old driver.
Where you live can have a large impact on Lincoln MKX insurance rates. For example, drivers in Phoenix may pay $796 a year less than drivers in Los Angeles.
Your driving record can have an impact on the cost of Lincoln MKX auto insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKX auto insurance with violations on their driving record.
Your Lincoln MKX auto insurance rates are tied to the safety ratings of the Lincoln MKX. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | G |
|---|---|
| Small overlap front: passenger-side | G |
| Moderate overlap front | G |
| Side | G |
| Roof strength | G |
| Head restraints and seats | G |
| Source: Insurance Institute for Highway Safety | |
Lincoln MKX crash test ratings will affect your Lincoln MKX auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2018 Lincoln MKX SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Lincoln MKX SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Lincoln MKX SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Lincoln MKX SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Lincoln MKX SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Lincoln MKX SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
The more safety features you have on your Lincoln MKX, the more likely it is that you can earn a discount. The Lincoln MKX’s safety features include:
Lincoln MKX Insurance Loss Probability
Another contributing factor that plays a direct role in Lincoln MKX insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -23% |
|---|---|
| Property Damage | -20% |
| Comprehensive | -33% |
| Personal Injury | -34% |
| Medical Payment | -19% |
| Bodily Injury | -22% |
| Source: Insurance Institute for Highway Safety | |
If you are financing a Lincoln MKX, most lenders will require your carry higher Lincoln MKX coverage options including comprehensive coverage, so be sure to shop around and compare Lincoln MKX auto insurance quotes from the best auto insurance companies using our FREE tool below.
If you want to reduce the cost of your Lincoln MKX insurance rates, follow these tips below:
Who is the top auto insurance company for Lincoln MKX insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lincoln MKX auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lincoln MKX 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 | |||
To start comparing Lincoln MKX auto insurance quotes for free, use our online auto insurance comparison tool.
Vehicles