Lincoln MKT Insurance Cost Estimate [How to Find Low Rates Online]

Lincoln MKT insurance rates are $1,626 a year, or $136 a month on average. A liability-only policy costs around $652 a year or $54 each month. Lincoln MKT insurance costs around $107 more per year than the average vehicle. Good drivers can save up to $670 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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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 are $107 more expensive than the average vehicle. Full coverage costs $136 per month, but teen drivers could pay up to $500 per month for Lincoln MKT insurance rates. Continue reading to learn how you can save money on Lincoln MKT insurance rates.

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

Lincoln MKT Insurance Cost

The average auto insurance costs for a Lincoln MKT are $1,626 a year or $136 a month.

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Are Lincoln MKTs Expensive to Insure?

The chart below details how Lincoln MKT insurance rates compare to other crossovers like the Lexus RX 450h, Chevrolet Trax, and Ford Escape.

Vehicle Comprehensive Collision Liability Total
Lincoln MKT $370 $626 $450 $1,626
Lexus RX 450h $390 $718 $420 $1,708
Chevrolet Trax $280 $470 $372 $1,280
Ford Escape $280 $438 $316 $1,170
Lincoln MKC $306 $596 $398 $1,458
Mazda CX-5 $322 $532 $372 $1,384
Toyota RAV4 $280 $482 $390 $1,310
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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 MKT Insurance?

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

Age of the Vehicle

Older Lincoln MKT models generally cost less to insure. For example, auto insurance for a 2018 Lincoln MKT costs $1,626, while 2010 Lincoln MKT insurance costs 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
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Driver Age

Driver age can have a significant effect on the cost of Lincoln MKT auto insurance. For example, 30-year-old drivers pay approximately $72 more for their Lincoln MKT auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Lincoln MKT insurance rates. For example, drivers in New York may pay $423 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on your Lincoln MKT auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Lincoln MKT auto insurance with violations on their driving record.

Lincoln MKT Safety Ratings

Your Lincoln MKT insurance rates are tied to the safety ratings of the Lincoln MKT. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
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 MKT Crash Test Ratings

If the Lincoln MKT crash test ratings are good, you could have lower Lincoln MKT 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
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Lincoln MKT Safety Features

Good Lincoln MKT safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Lincoln MKT are:

  • 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

The lower percentage means lower Lincoln MKT auto insurance costs; higher percentages mean higher Lincoln MKT auto insurance costs. Compare the following Lincoln MKT auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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
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Lincoln MKT Finance and Insurance Cost

If you are financing a Lincoln MKT, you will pay more if you purchase Lincoln MKT auto insurance at the dealership, so be sure to shop around and compare Lincoln MKT auto insurance quotes from the best companies using our FREE tool below.

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5 Ways to Save on Lincoln MKT Insurance

There are several ways you can save even more on your Lincoln MKT insurance rates. Take a look at the following five tips:

  • Get Lincoln MKT Auto Insurance Through Costco
  • Park Your Lincoln MKT Somewhere Safe – like a Garage or Private Driveway
  • Take a Refresher Course as an Older Driver
  • Ask About Farm and Ranch Vehicle Discounts
  • Reduce Your Coverage on an Older Lincoln MKT

Top Lincoln MKT Insurance Companies

The best auto insurance companies for Lincoln MKT insurance rates will offer competitive rates, discounts, and account for the Lincoln MKT’s safety features. The following list of auto insurance companies outlines which companies hold the highest 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
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Save money by comparing Lincoln MKT insurance rates with free quotes online now!

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