UPDATED: Jul 31, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.
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.
Key takeaways:
- Full coverage costs around $1,626 a year or $136 each month
- A liability-only policy costs around $652 a year or $54 each month
- Highest rates are for teenage drivers at around $5,943 a year or $495 each month
- Good drivers can save as much as $670 a year by earning policy discounts
- Lincoln MKT insurance costs around $107 more per year than the average vehicle
Lincoln MKT insurance rates can be expensive. Lincoln MKT insurance costs around $107 more per year than the average vehicle. Luckily, understanding what factors go into your Lincoln MKT insurance can help you find cheap insurance rates.
You can start comparing quotes for Lincoln MKT car insurance rates from some of the best car insurance companies by using our free online tool now.
Lincoln MKT Insurance Cost
The average Lincoln MKT auto insurance costs are $1,626 a year or $136 a month.
Are Lincoln MKTs Expensive to Insure?
The chart below details how Lincoln MKT insurance rates compare to other crossovers like the Audi SQ5, Mazda CX-3, and Hyundai Tucson.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lincoln MKT | $370 | $626 | $450 | $1,626 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
| Mazda CX-3 | $308 | $500 | $372 | $1,338 |
| Hyundai Tucson | $294 | $470 | $372 | $1,294 |
| Honda HR-V | $294 | $532 | $372 | $1,356 |
| Hyundai Kona | $280 | $500 | $316 | $1,232 |
| Lexus RX 450h | $390 | $718 | $420 | $1,708 |
However, there are a few things you can do to find the cheapest Lincoln insurance rates online.
What Impacts the Cost of Lincoln MKT Insurance?
The Lincoln MKT trim and model you choose can impact the total price you will pay for Lincoln MKT insurance coverage.
Age of the Vehicle
The average Lincoln MKT auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Lincoln MKT cost $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
Driver age can have a significant effect on the cost of Lincoln MKT car insurance. For example, a 20-year-old driver could pay around $166 more each month for their Lincoln MKT car insurance than 30-year-old driver.
Driver Location
Where you live can have a large impact on Lincoln MKT insurance rates. For example, drivers in Los Angeles may pay $232 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Lincoln MKT car insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKT car insurance rates with violations on their driving record.
Lincoln MKT Safety Ratings
Your Lincoln MKT auto insurance rates are influenced by the Lincoln MKT’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Lincoln MKT Crash Test Ratings
Good Lincoln MKT crash test ratings can lower your 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 | ||||
|---|---|---|---|---|
Lincoln MKT Safety Features
Having a variety of safety features on your Lincoln MKT can help lower your insurance costs. The 2020 Lincoln MKT’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Adjustable Pedals
- Traction Control
- Blind Spot Monitor
- Cross-Traffic Alert
Lincoln MKT Insurance Loss Probability
Insurance loss probability on the Lincoln MKT fluctuates between each type of coverage. The lower percentage means lower Lincoln MKT car insurance rates; higher percentages mean higher Lincoln MKT auto 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 | |
Lincoln MKT Finance and Insurance Cost
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 rates from the best companies using our FREE tool below.
Ways to Save on Lincoln MKT Insurance
There are many ways that you can save on Lincoln MKT car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Lincoln MKT car insurance rates low.
- Re-Check Lincoln MKT Quotes Every 6 Months
- Reduce Your Coverage on an Older Lincoln MKT
- Use Paperless Billing for Your Lincoln MKT Insurance Policy
- Carpool to Work Instead of Driving Your Lincoln MKT
- Tell Your Insurer About Different Drivers or Uses for Your Lincoln MKT
Top Lincoln MKT Insurance Companies
Several top car insurance companies offer competitive rates for the Lincoln MKT rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Lincoln MKT drivers organized by market share.
| 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 | |||
Compare Free Lincoln MKT Insurance Quotes Online
You can start comparing quotes for Lincoln MKT car insurance rates from some of the best car insurance companies by using our free online tool now.