Compare Cheap Lincoln MKX Insurance Quotes

Average Lincoln MKX auto insurance rates cost $121 per month ($1,446 per year). Shop around to find cheap Lincoln MKX insurance rates. On average, Lincoln MKX comprehensive insurance coverage costs $352, collision coverage costs $514, and liability coverage costs $408.

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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 18, 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 $121 per month or $1,446 per year. If you only need liability insurance, your Lincoln MKX insurance rates will be $48 per month. While good drivers save $596 per year, teen drivers will pay $440 per month for Lincoln MKX insurance rates. Continue through the guide to learn how you can save money on Lincoln MKX auto insurance.

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

Lincoln MKX Insurance Cost

The average Lincoln MKX auto insurance rates 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 Buick Envision, Lincoln MKT, and Nissan Rogue.

Vehicle Comprehensive Collision Liability Total
Lincoln MKX $294 $596 $398 $1,446
Buick Envision $320 $566 $398 $1,442
Lincoln MKT $370 $626 $450 $1,626
Nissan Rogue $268 $512 $440 $1,400
MINI Clubman $320 $506 $398 $1,382
Cadillac XT4 $362 $656 $316 $1,470
Subaru Crosstrek $320 $512 $332 $1,300
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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 auto 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 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 effect on Lincoln MKX auto insurance rates. As an example, a 30-year-old driver pays around $64 more each year for their Lincoln MKX auto 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 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 auto insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKX auto insurance with violations on their driving record.

Lincoln MKX Safety Ratings

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

Test Type Rating
Small overlap front: driver-side G
Small overlap front: passenger-side G
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 MKX Crash Test Ratings

Lincoln MKX crash test ratings will affect your Lincoln MKX auto insurance rates.

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

The more safety features you have on your Lincoln MKX, the more likely it is that you can earn a discount. 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

Another contributing factor that plays a direct role in Lincoln MKX insurance rates is the loss probability for each type of coverage.

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 quotes from the best auto insurance companies using our FREE tool below.

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5 Ways to Save on Lincoln MKX Insurance

If you want to reduce the cost of your Lincoln MKX insurance rates, follow these tips below:

  • Ask for a Higher Deductible for Your Lincoln MKX Auto Insurance Policy
  • Use an Accurate Job Title When Requesting Lincoln MKX Auto Insurance
  • Understand that Insurance Companies Can’t Change Your Lincoln MKX Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Get Cheaper Lincoln MKX Auto Insurance Rates as a Full-Time Parent
  • Ask About Usage-Based Auto Insurance for Your Lincoln MKX

Top Lincoln MKX Insurance Companies

Who is the top auto insurance 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 auto 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

To start comparing Lincoln MKX auto insurance quotes for free, use our online auto insurance comparison tool.

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

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