Best Lincoln MKX Car Insurance Quotes (2024)
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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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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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Frequently Asked Questions
What is Lincoln MKX car insurance?
Lincoln MKX car insurance is a type of auto insurance policy designed to cover damages and losses related to owning and driving a Lincoln MKX vehicle.
What factors affect the cost of Lincoln MKX car insurance?
Several factors can influence the cost of Lincoln MKX car insurance, including the driver’s age, driving record, location, and credit score. Other factors include the model year, safety features, and value of the vehicle, as well as the level of coverage and deductible chosen by the policyholder.
What types of coverage are available for Lincoln MKX car insurance?
The types of coverage available for Lincoln MKX car insurance are liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance coverage.
What is liability coverage for Lincoln MKX car insurance?
Liability coverage is a type of insurance that pays for damages or injuries that the policyholder may cause to other people or their property while driving the Lincoln MKX. This coverage is usually required by law in most states.
What is collision coverage for Lincoln MKX car insurance?
Collision coverage is a type of insurance that pays for damages to the Lincoln MKX in the event of a collision with another vehicle or object.
What is comprehensive coverage for Lincoln MKX car insurance?
Comprehensive coverage is a type of insurance that pays for damages to the Lincoln MKX caused by non-collision events such as theft, vandalism, natural disasters, or falling objects.
What is personal injury protection for Lincoln MKX car insurance?
Personal injury protection (PIP) is a type of insurance that pays for medical expenses and lost wages for the policyholder and passengers in the Lincoln MKX, regardless of who is at fault in an accident.
What is uninsured/underinsured motorist coverage for Lincoln MKX car insurance?
Uninsured/underinsured motorist coverage is a type of insurance that pays for damages and injuries to the policyholder and passengers in the Lincoln MKX caused by a driver who does not have insurance or does not have enough insurance to cover the damages.
What is roadside assistance coverage for Lincoln MKX car insurance?
Roadside assistance coverage is a type of insurance that provides help to the policyholder in the event of a breakdown, flat tire, or other roadside emergency while driving the Lincoln MKX.
How can I find the best Lincoln MKX car insurance?
To find the best Lincoln MKX car insurance, it’s important to compare quotes from multiple insurance companies, consider the level of coverage and deductible that meets your needs, and review the insurance company’s reputation, customer service, and claims handling process. You can also ask for recommendations from friends or family members who own a Lincoln MKX or consult with a licensed insurance agent.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.