How Much are Lincoln MKX Insurance Rates?

Lincoln MKX insurance costs $1,446 a year, or around $121 a month, on average. This is about $73 less per year than the average vehicle. Good drivers can save up to $596 a year on these costs by earning discounts.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 23, 2020

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Key takeaways:

  • Are Lincoln MKX expensive to insure? 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 the average insurance cost being $1,446 a year or $121 a month. Drivers of an older Lincoln MKX may opt for liability coverage only which costs about $580 a year or $48 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 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 Chevrolet Equinox, Lexus NX 300, and MINI Clubman.

Vehicle Comprehensive Collision Liability Total
Lincoln MKX $294 $596 $398 $1,446
Chevrolet Equinox $308 $532 $372 $1,370
Lexus NX 300 $376 $688 $372 $1,594
MINI Clubman $320 $506 $398 $1,382
Mazda CX-3 $308 $500 $372 $1,338
Honda HR-V $294 $532 $372 $1,356
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 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, car 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 impact on Lincoln MKX auto insurance rates. For example, 20-year-old drivers pay approximately $1,768 more each year for their Lincoln MKX auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Lincoln MKX insurance rates. For example, drivers in New York may pay $882 a year more than drivers in Seattle.

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 car insurance with violations on their driving record.

Lincoln MKX Safety Ratings

Your Lincoln MKX car insurance rates are tied to 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

The crash test ratings of the Lincoln MKX can impact your Lincoln MKX car 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

Lincoln MKX safety features can lower the cost of your insurance. The safety features for the 2020 Lincoln MKX 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 affects Lincoln MKX car 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 rates from the best companies using our FREE tool below.

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Ways to Save on Lincoln MKX Insurance

Drivers can end up saving more money on their Lincoln MKX car insurance rates by employing any one of the following strategies.

  • Ask About Lincoln MKX Safety Discounts
  • Ask About a Student Away from Home Discount
  • Provide Your Lincoln MKX VIN When Requesting Lincoln MKX Auto Insurance Quotes
  • Compare Lincoln MKX Quotes Online
  • Tell Your Insurer About Different Drivers or Uses for Your 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.

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

Save on your Lincoln MKX car insurance rates by taking advantage of our FREE comparison tool.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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