How Much is Insurance on a Lincoln MKX? [How to Find Cheap Rates]

Lincoln MKX insurance costs around $121 a month, but your individual Lincoln MKX insurance rates will vary based on where you live and how old you are. Young and high-risk drivers will have higher Lincoln MKX insurance quotes, but you can still save money on your Lincoln MKX auto insurance coverage when you comparison shop online with our free tool.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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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...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Aug 9, 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 are about $73 less per year than the average vehicle with full coverage costing around $1,446 a year or $121 a month. Good drivers can save up to $596 a year in policy discounts by remaining safe and courteous on the road. Let’s take a quick look at Lincoln MKX insurance rates, crash test ratings, and more.

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 rates are $1,446 a year or $121 a month.


Enter your zip code below to view companies that have cheap auto insurance rates.

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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 Audi SQ5, Nissan Murano, and Kia Sportage.

VehicleComprehensiveCollisionLiabilityTotal
Lincoln MKX$294$596$398$1,446
Audi SQ5$394$774$264$1,542
Nissan Murano$294$512$390$1,354
Kia Sportage$280$470$372$1,280
Honda HR-V$294$532$372$1,356
Subaru Crosstrek$320$512$332$1,300
Cadillac XT4$362$656$316$1,470

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

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 YearComprehensiveCollisionLiabilityTotal
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

Driver age can have a significant effect on Lincoln MKX car insurance rates. As an example, a 30-year-old driver pays around $64 more each year for their Lincoln MKX car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Lincoln MKX insurance rates. For example, drivers in Los Angeles may pay $207 a year more than drivers in Houston.

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

The Lincoln MKX’s safety ratings will affect your Lincoln MKX car insurance rates. See the chart below:

Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Lincoln MKX Crash Test Ratings

Good Lincoln MKX crash test ratings mean the VW is safer, which could mean cheaper Lincoln MKX car insurance rates.

Vehicle TestedOverallFrontalSideRollover
2018 Lincoln MKX SUV FWD5 stars5 stars5 stars4 stars
2018 Lincoln MKX SUV AWD5 stars5 stars5 stars4 stars
2017 Lincoln MKX SUV FWD5 stars5 stars5 stars4 stars
2017 Lincoln MKX SUV AWD5 stars5 stars5 stars4 stars
2016 Lincoln MKX SUV FWD5 stars5 stars5 stars4 stars
2016 Lincoln MKX SUV AWD5 stars5 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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

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

Insurance Coverage CategoryLoss Rate
Collision-23%
Property Damage-20%
Comprehensive-33%
Personal Injury-34%
Medical Payment-19%
Bodily Injury-22%
Source: Insurance Institute for Highway Safety

Lincoln MKX Finance and Insurance Cost

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

Enter your zip code below to view companies that have cheap auto insurance rates.

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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.

  • Move to an Area with a Lower Cost of Living
  • Compare Apples to Apples When Comparing Lincoln MKX Insurance Quotes and Policies
  • Ask About Student Discounts
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Lincoln MKX
  • Consider Lincoln MKX Insurance Costs Before Buying a Lincoln MKX

Top Lincoln MKX Insurance Companies

Several top car insurance companies offer competitive rates for the Lincoln MKX 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 MKX drivers organized by market share.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Lincoln MKX Insurance Quotes Online

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