Are Lincoln MKTs Expensive to Insure? [Guide + Free Quotes]

Lincoln MKT insurance rates cost $136 per month ($1,626 per year) on average. On average, comprehensive coverage costs $396, collision coverage costs $578, and liability coverage costs $459 for Lincoln MKT insurance.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 24, 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 per year than the average vehicle. Full coverage rates are $136 per month, while liability-only coverage costs $54. Continue reading to learn how you can save money on Lincoln MKT insurance rates through policy discounts.

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

Lincoln MKT Insurance Cost

The average Lincoln MKT auto insurance rates 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 Cadillac XT4, Chevrolet Trax, and Chevrolet Equinox.

Vehicle Comprehensive Collision Liability Total
Lincoln MKT $370 $626 $450 $1,626
Cadillac XT4 $362 $656 $316 $1,470
Chevrolet Trax $280 $470 $372 $1,280
Chevrolet Equinox $308 $532 $372 $1,370
Ford EcoSport $280 $500 $372 $1,310
Hyundai Kona $280 $500 $316 $1,232
Infiniti QX30 $344 $686 $398 $1,586
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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 insurance coverage.

Age of the Vehicle

Older Lincoln MKT models generally cost less to insure. For example, auto insurance rates for a 2018 Lincoln MKT are $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
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Driver Age

Driver age can have a significant impact on the cost of Lincoln MKT auto insurance. For example, 20-year-old drivers pay as much as $2,060 more each year 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 Houston may pay $1,198 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Lincoln MKT auto insurance. 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

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

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
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 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
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Lincoln MKT Safety Features

The safety features of the Lincoln MKT can impact your Lincoln MKT auto insurance rates. The Lincoln MKT has the following safety features:

  • 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

Lincoln MKT’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Lincoln MKT, others are more favorable and lead to lower 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
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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 quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Lincoln MKT Insurance

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

  • Check Your Lincoln MKT Policy Carefully to Ensure All Information is Correct
  • Understand that Insurance Companies Can’t Change Your Lincoln MKT Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Understand the Different Types of Auto Insurance for Your Lincoln MKT
  • Install an Aftermarket Anti-Theft Device for Your Lincoln MKT
  • Get Lincoln MKT Auto Insurance Through Costco

Top Lincoln MKT Insurance Companies

Who is the top auto insurance company for Lincoln MKT insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lincoln MKT auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lincoln MKT 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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