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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UPDATED: Jul 21, 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 about $107 more per year than the average vehicle with full coverage costing around $1,626 a year or $136 a month. Good drivers can save up to $670 a year in policy discounts for being safe and courteous out on the road. Let’s take a quick look at Lincoln MKT insurance rates, crash test ratings, and more.

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

Table of Contents

Lincoln MKT Insurance Cost

The average Lincoln MKT car insurance costs 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 Ford EcoSport, Buick Envision, and Audi Q5.

Vehicle Comprehensive Collision Liability Total
Lincoln MKT $370 $626 $450 $1,626
Ford EcoSport $280 $500 $372 $1,310
Buick Envision $320 $566 $398 $1,442
Audi Q5 $362 $718 $372 $1,610
Chevrolet Equinox $308 $532 $372 $1,370
BMW X6 $432 $834 $398 $1,822
Lincoln MKC $306 $596 $398 $1,458
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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 car insurance coverage.

Age of the Vehicle

Older Lincoln MKT models generally cost less to insure. For example, car 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 Lincoln MKT auto insurance rates. As an example, a 40-year-old driver could pay $172 less each month for their Lincoln MKT auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Lincoln MKT insurance rates. For example, drivers in Phoenix may pay $894 a year less than drivers in Los Angeles.

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 rates with violations on their driving record.

Lincoln MKT Safety Ratings

Your Lincoln MKT auto insurance rates are tied to the Lincoln MKT’s safety ratings. 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

Lincoln MKT crash test ratings will affect your Lincoln MKT car insurance rates.

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 Lincoln MKT safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Lincoln MKT auto insurance rates. The Lincoln MKT’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
  • Adjustable Pedals
  • Traction Control
  • Blind Spot Monitor
  • Cross-Traffic Alert

Lincoln MKT Insurance Loss Probability

Another contributing factor that affects Lincoln MKT car insurance rates is the loss probability for each type of coverage.

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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Ways to Save on Lincoln MKT Insurance

Save more on your Lincoln MKT car insurance rates. Take a look at the following five strategies that will get you the best Lincoln MKT auto insurance rates possible.

  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Install an Aftermarket Anti-Theft Device for Your Lincoln MKT
  • Watch Your Insurer Closely When Your Lincoln MKT Needs Repairs
  • Compare Insurance Companies After Moving
  • Don’t Always Pick the Cheapest Lincoln MKT Insurance Policy

Top Lincoln MKT Insurance Companies

Several top car insurance companies offer competitive rates for the Lincoln MKT 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 MKT 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 MKT Insurance Quotes Online

To start comparing Lincoln MKT car insurance quotes for free, use our online car insurance comparison tool.