How to Find Cheap Lincoln MKX Insurance Quotes

Average Lincoln MKX auto insurance rates cost $121 per month ($1,446 per year). Finding Lincoln MKX teenager insurance coverage can cost on average $5,285 a year, so shop around to find cheap rates.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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Key takeaways:

  • Full coverage costs around $1,446 a year or $121 each month
  • A liability-only policy costs around $580 a year or $48 each month
  • Highest rates are for teenage drivers at around $5,285 a year or $440 each month
  • Good drivers can save as much as $596 a year by earning policy discounts
  • Lincoln MKX insurance costs around $73 less per year than the average vehicle

Lincoln MKX insurance rates don’t need to trip drivers up. Full coverage for a Lincoln MKX costs around $1,446 a year or $121 each month. Learn what drivers can do to save on Lincoln MKX insurance rates by reading our guide.

You can start comparing quotes for Lincoln MKX car insurance rates from some of the best car insurance companies by using our free online tool now.

Lincoln MKX Insurance Cost

The average Lincoln MKX car insurance costs are $1,446 a year or $121 a month.

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Are Lincoln MKXs Expensive to Insure?

The chart below details how Lincoln MKX insurance rates compare to other crossovers like the Hyundai Tucson, Ford EcoSport, and Buick Envision.

Vehicle Comprehensive Collision Liability Total
Lincoln MKX $294 $596 $398 $1,446
Hyundai Tucson $294 $470 $372 $1,294
Ford EcoSport $280 $500 $372 $1,310
Buick Envision $320 $566 $398 $1,442
Lexus NX 300 $376 $688 $372 $1,594
Infiniti QX30 $344 $686 $398 $1,586
Honda HR-V $294 $532 $372 $1,356
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However, there are a few things you can do to find the cheapest Lincoln insurance rates online.

What Impacts the Cost of Lincoln MKX Insurance?

The Lincoln MKX trim and model you choose can impact the total price you will pay for Lincoln MKX insurance coverage.

Age of the Vehicle

The average Lincoln MKX car insurance rates are higher for newer models. For example, car insurance rates for a 2018 Lincoln MKX are $1,446, while 2010 Lincoln MKX rates 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
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Driver Age

Driver age can have a significant impact on Lincoln MKX auto insurance rates. As an example, a 40-year-old driver could pay $153 less each month for their Lincoln MKX auto insurance compared to a 20-year-old driver.

Driver Location

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

Your driving record can have an impact on the cost of Lincoln MKX car insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKX car insurance with violations on their driving record.

Lincoln MKX Safety Ratings

Your Lincoln MKX car insurance rates are influenced by the safety ratings of the Lincoln MKX. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Lincoln MKX Crash Test Ratings

Lincoln MKX crash test ratings can impact your Lincoln MKX car insurance rates. See Lincoln MKX crash test results below:

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
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Lincoln MKX Safety Features

Most drivers don’t realize that not only do Lincoln MKX safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Lincoln MKX auto insurance rates. The Lincoln MKX’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
  • Traction Control

Lincoln MKX Insurance Loss Probability

The Lincoln MKX’s insurance loss probability varies between different coverage types. The lower percentage means lower Lincoln MKX auto insurance costs; higher percentages mean higher Lincoln MKX auto insurance costs.

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
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Lincoln MKX Finance and Insurance Cost

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 rates from the best companies using our FREE tool below.

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Ways to Save on Lincoln MKX Insurance

There are many ways that you can save on Lincoln MKX car insurance. Below are five actions you can take to find cheap Lincoln MKX auto insurance rates.

  • Consider Using a Tracking Device on Your Lincoln MKX
  • Park Your Lincoln MKX Somewhere Safe – like a Garage or Private Driveway
  • Take Public Transit Instead of Driving Your Lincoln MKX
  • Renew Your Lincoln MKX Insurance Coverage to Avoid Lapses
  • Ask About Student Discounts

Top Lincoln MKX Insurance Companies

Who is the best 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 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
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Compare Free Lincoln MKX Insurance Quotes Online

You can start comparing quotes for Lincoln MKX car insurance rates from some of the best car insurance companies by using our free online tool now.

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