Compare Lincoln MKX Car Insurance Rates [2025]
The average Lincoln MKX car insurance rates are $121/month. Get cheap Lincoln MKX car insurance rates by purchasing one with advanced safety features like Advance Trac and Intelligent All Wheel Drive. Shop around to find cheap Lincoln MKX insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: Nov 7, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 7, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average Lincoln MKX car insurance rates are $121/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
- The Lincoln MKX is a new, expensive, sporty, and luxurious vehicle
- There are some standard safety features that can qualify you for a reduction on insurance
- Be sure to find out about who is going to give you safety discounts for the newly installed equipment
influence Lincoln MKX rates include the age and location of the driver, along with the model year of the SUV.
If you want to learn more about Lincoln MKX insurance rates to help you in your search for the right policy, keep reading through this helpful guide.
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 car insurance costs 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 Mazda CX-3, Cadillac XT4, and Infiniti QX30.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lincoln MKX | $294 | $596 | $398 | $1,446 |
| Mazda CX-3 | $308 | $500 | $372 | $1,338 |
| Cadillac XT4 | $362 | $656 | $316 | $1,470 |
| Infiniti QX30 | $344 | $686 | $398 | $1,586 |
| BMW X6 | $432 | $834 | $398 | $1,822 |
| Ford EcoSport | $280 | $500 | $372 | $1,310 |
| Lexus RX 450h | $390 | $718 | $420 | $1,708 |
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
The average Lincoln MKX auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Lincoln MKX cost $1,446, while 2010 Lincoln MKX rates 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 effect on Lincoln MKX car insurance rates. As an example, a 30-year-old driver pays around $64 more each year for their Lincoln MKX car 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 Los Angeles may pay $535 a year more than drivers in Philadelphia.
Your Driving Record
Your driving record can have an impact on your Lincoln MKX car insurance rates. 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 influenced by 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
Good Lincoln MKX crash test ratings can lower your Lincoln MKX auto insurance rates. See Lincoln MKX crash test results below:
| 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
Having a variety of safety features on your Lincoln MKX can help lower your insurance costs. According to AutoBlog, the 2020 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
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Lincoln MKX Insurance Loss Probability
The Lincoln MKX’s insurance loss probability varies between different coverage types. The lower percentage means lower Lincoln MKX auto insurance costs; higher percentages mean higher Lincoln MKX auto insurance costs.
| 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 coverages including comprehensive coverage, so be sure to compare Lincoln MKX car 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 Welcome Discounts
- Compare Apples to Apples When Comparing Lincoln MKX Insurance Quotes and Policies
- Buy Your Lincoln MKX with Cash, or Get a Shorter-Term Loan
- Get a Plan with Only Liability Coverage If You’re Driving an Older Lincoln MKX
- Improve Your Credit Score
Top Lincoln MKX Insurance Companies
Who is the best 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 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 | |||
Compare Free Lincoln MKX Insurance Quotes Online
Start comparing Lincoln MKX car insurance quotes for free by using our convenient online comparison tool.
If you’ve just purchased a Lincoln MKX new or pre-owned, you’re probably wondering how much Lincoln NKX insurance will be.
The Lincoln MKX is a vehicle that is expensive to purchase and even more expensive to insure.
The Lincoln MKX is considered a sporty, luxurious vehicle that comes with safety features as well as new advanced technology that can provide extra discounts on car insurance.
Use our FREE quote tool to find rates on insurance for your Lincoln MKX. Just enter your ZIP code today!
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What standard safety features may reduce the car insurance cost for a Lincoln MKX?
The Lincoln MKX comes equipped with safety features that may help you reduce the cost of your car insurance:
- Advance Trac – an enhanced stability system that now comes with roll stability control
- Intelligent All Wheel Drive – utilizes technology to help a driver maintain control of the car if any wheel slip is detected
- The My Key – remote for your car allows you to program how fast your car will go and how loud your radio will play
Since technology is constantly changing, especially when it comes to the safety features of cars, it is a good idea to review new safety features with your car insurance agent.
Even if you don’t qualify for an additional discount with the new Lincoln MKX safety devices, you should be able to get a discount for the traditional safety features.
Do certified pre-owned Lincoln MKX cars qualify for a discount?
Getting a certified pre-owned Lincoln MKX car does not automatically qualify you for a reduced car insurance rate. Your car insurance may be lower if your car is pre-owned because it may be an older make or model car.
Since the Lincoln MKX is a brand new car it is going to be hard to find one that is pre-owned.
However, many people lease brand new cars and then turn them in for a different car when their lease is over. Depending on how long someone leases the Lincoln MKS, you may be able to buy one that has been pre-driven.
Pre-owned certified cars usually come with any remaining warranty. You may also be able to buy an extended warranty.
Can I use my new Lincoln MKX to qualify for a multi-policy discount?
If you are keeping your eye out for the new Lincoln MKX, it is now in production for 2011. You can order your new car directly from a Lincoln dealer.
You can lower your car insurance for your new Lincoln MKX by adding it to your policy as a second vehicle.
The new car will actually have its own policy, but your car insurance company will extend to you a multi-car discount and reduce your rate for both your new Lincoln MKX and your older car.
If you have homeowners insurance, condo insurance, or renters insurance, then you can use the same insurance company to provide you with car insurance and benefit from a multi-policy discount.
Enter your ZIP code now to get instant car insurance quotes for your new Lincoln MKX!
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Frequently Asked Questions
How much does car insurance for a Lincoln MKX cost?
The cost of car insurance for a Lincoln MKX can vary depending on various factors, including your location, driving history, coverage options, and the insurance company you choose. To get an accurate estimate, it’s recommended to obtain quotes from multiple insurers.
What are the factors that can affect Lincoln MKX Car Insurance rates?
Several factors can affect Lincoln MKX car insurance rates, including:
- Model and Year: The specific model and year of your Lincoln MKX can impact insurance rates. Newer models or higher trim levels may have higher premiums.
- Location: The location where you live can affect insurance rates. Areas with higher crime rates or more traffic congestion may have higher premiums.
- Driving History: Your driving history, including accidents, violations, and claims, can influence insurance rates. A clean driving record generally leads to lower premiums.
- Coverage Options: The type and amount of coverage you choose will affect your insurance rates. Comprehensive coverage and lower deductibles typically result in higher premiums.
- Deductibles: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Higher deductibles can lower your premiums but mean you’ll pay more if you have to file a claim.
- Insurance Provider: Different insurance companies may have varying rates and discounts for the Lincoln MKX. It’s recommended to compare quotes from multiple insurers to find the best rates.
What are the recommended coverage options for Lincoln MKX Car Insurance?
While the minimum car insurance requirements vary by state, it’s advisable to consider additional coverage options for better protection. Recommended coverage options for Lincoln MKX car insurance include:
- Liability Coverage: This covers bodily injury and property damage if you’re at fault in an accident.
- Collision Coverage: This coverage helps pay for repairs or replacement of your Lincoln MKX if it’s damaged in a collision, regardless of fault.
- Comprehensive Coverage: Comprehensive coverage protects against non-collision-related incidents, such as theft, vandalism, fire, or damage from severe weather.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: Medical payments coverage helps cover medical expenses for you and your passengers in the event of an accident, regardless of fault.
- Personal Injury Protection (PIP): PIP coverage provides broader medical coverage and additional benefits such as lost wages and funeral expenses.
Are there any discounts available for Lincoln MKX Car Insurance?
Yes, there are various discounts that may be available for Lincoln MKX car insurance. Common discounts include:
- Multi-Policy Discount: Bundling your Lincoln MKX car insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Safe Driver Discount: Maintaining a clean driving record with no accidents or traffic violations may qualify you for lower premiums.
- Anti-Theft Device Discount: Installing anti-theft devices in your Lincoln MKX can help lower insurance rates.
- Good Student Discount: If you have a student driver with good grades on your policy, you may qualify for a discount.
- Mature Driver Discount: Older drivers who have completed a defensive driving course may be eligible for discounted rates.
How can I find the best insurance rates for my Lincoln MKX?
To find the best insurance rates for your Lincoln MKX, consider the following:
- Compare Quotes: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Research Insurance Providers: Look for reputable insurance companies with good customer reviews and a strong financial standing.
- Evaluate Coverage Options: Assess your coverage needs and choose the options that provide adequate protection for your Lincoln MKX.
- Consider Deductibles: Decide on deductibles that are affordable for you, considering your financial situation and risk tolerance.
- Inquire About Discounts: Ask insurance companies about available discounts and see if you qualify for any. This can significantly reduce your insurance premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.