Lincoln MKX Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lincoln MKX costs less than most other SUVs to insure.
• Full coverage auto insurance for a MKX averages around $136 a month, on average, while liability only insurance generally tends to be about $87.
• Mile Auto provides the cheapest average premiums for a MKX with liability only coverage offered for sometimes as low as $34 per month.

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MKX Overview

With 2018 models coming in with a base MSRP of $39,035, the Lincoln MKX is a great mid-level option for any driver. You'll have your choice of four different trim levels, so there's something there for every driver.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that Lincoln MKX car insurance premiums are around $130 a month, on average. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Lincoln MKX?

Based on the table above, auto insurance prices for a Lincoln MKX are less expensive than average. On average, MKX drivers can expect to pay about $136 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $87 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Compared to other models, the MKX is cheaper, with premiums more than 10% lower than the other vehicle types offered by Lincoln. But MKX coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance prices coming in at $7 higher than other SUVs and full coverage insurance rates at $15 cheaper.

When compared to all vehicles of any body type, full coverage prices are cheaper for a MKX, but run higher than average for liability only policies.

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Who has the Cheapest Car Insurance for a Lincoln MKX?

Looking for an auto insurance policy for your Lincoln MKX? You're probably wondering which carrier offers the most affordable rates. While premiums can vary pretty significantly from policyholder to policyholder, the most affordable average rates for liability only insurance are sometimes as cheap as $25 a month from StateAuto. The next lowest company is Dairyland, who offers car insurance as little as just $28 per month.

The third, fourth, and fifth companies on the list are Safeco, Mile Auto, and MetLife. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lincoln MKX.

Car insurance companies take a whole range of different things into consideration when offering you rates. By reviewing quotes from a variety of insurance carriers at once, you can be confident you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Lincoln MKX?

There are lots of factors that auto insurance companies use to choose how much to charge -- and every carrier weighs different pieces more heavily than others, so there's not one single company that's the most affordable for each driver.

Keep reading to learn which variables insurance carriers look at and how they affect your final rate:

Vehicle Age

The Lincoln MKX has been around for a few years, so vehicle age will likely make a difference in what you end up paying for auto insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

Based on the information in the table above, the Lincoln MKX is an outlier, as the cheapest models to insure are those that are 2 to 3 years old, while on average, the most expensive MKXs are 4 to 5 years old.

Your Age

Age plays a role in how much you pay for car insurance. As you can see in the table above, drivers with more experience on the road have less expensive rates compared to drivers under 24. Lincoln MKX drivers 18 to 24 actually pay $90 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for MKX drivers.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they have a decreased chance of filing a claim with insurance. So, women tend to pay less for insurance than men. Surprisingly, when it comes to MKX drivers specifically, women pay around 7% more than men every month for auto insurance.

Where You Live

You were probably already aware that factors like what vehicle you drive and how old you are play a role in your car insurance premiums, but you may not realize that where you live matters just as much. Since auto insurance is regulated on a state-by-state basis, rates shift quite a bit from state to state.

For example, the average Lincoln MKX owner from New York pays about $165 monthly for liability coverage, while on average, the same driver in California will pay only 25% of that price. The table referenced above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

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Lincoln MKX Car Insurance Discounts

Regardless of your car, your age, or your home state, using as many discounts as possible when it comes to your insurance is always important when shopping around for a policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Pay-in-full discounts for choosing to pay your entire policy premium at once, rather than by monthly payments
• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Multi-car discounts for having more than one vehicle on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution

These discounts are great, but sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Although you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the ones you can use in your favor when it comes to saving money:

Your Driving Record

It's no secret that car insurance companies offer the lowest prices to drivers with a history of responsible driving. It makes sense that if you get tickets or get into an accident, insurance rates will go higher. But you're probably wondering exactly how much these infractions can cost you.

As you can tell from the table above, accidents will usually cost MKX drivers more than tickets, but both will result in higher than normal rates. Lincoln MKX drivers with one accident on their record pay an average of $161 per month (up $74 from the $87/mo. overall average), while drivers with a single ticket will pay about $62 per month. The rates only get higher the more tickets you get or collisions you have.

How Much You Drive

How much you drive annually plays a big role when it comes to your car insurance premiums. Those who drive less often are less likely to get speeding tickets, so they'll usually end up spending less on insurance. In the table above, you can see that Lincoln MKX owners who drive 10,000 miles or more pay $124 for auto insurance, while those who drive fewer than 2,500 miles each year pay about $34 monthly.

But if you don't use your Lincoln MKX to travel or commute regularly, you might consider getting a usage-based or pay-per-mile insurance policy. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Lincoln MKXs Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Lincoln MKX is on your shortlist, you might be wondering how it compares to other vehicles. Insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

Check out the table below to see how the Lincoln MKX stacks up:

Overall, the Lincoln MKX has an MSRP that's in line with the going rate for a new vehicle. The national average vehicle price is $43,875, and the MKX comes in close to that at $39,035.

Although the MKX has a pretty average price, car insurance prices run below average when compared to other vehicles on the market. Full coverage insurance for a Lincoln MKX is around $41 a month cheaper than average, while liability only coverage is more than $20 cheaper a month.

When it comes to usage, Lincoln MKX drivers are far from the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the MKX's 26,482 each year.

Lincoln MKX Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much the average driver pays for auto insurance. If you're considering purchasing a new MKX, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your options.

Choose Your Model

2018 Lincoln MKX Car Insurance 2017 Lincoln MKX Car Insurance 2016 Lincoln MKX Car Insurance

2018 Lincoln MKX Car Insurance

On average, drivers who own a 2018 MKX can expect to pay $61 to $128 monthly for liability only and full coverage auto insurance, respectively.

American Family has prices sometimes as little as $46 per month for the 2018 Lincoln MKX.

If you want to know exactly how much you can expect to pay for your MKX, just enter your ZIP code below and get several free quotes in minutes.

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2017 Lincoln MKX Car Insurance

It costs about $74 a month for liability or $148 for a full coverage policy for the 2017 Lincoln MKX.

If you're looking for the cheapest possible 2017 Lincoln MKX insurance policy, SafeAuto offered the cheapest policy we found, with rates as low as just $41 per month.

Interested in just how much you'll pay? Enter your ZIP code below to get several free personalized quotes.

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2016 Lincoln MKX Car Insurance

You can expect full coverage for a 2016 MKX to run around $134 a month, while liability only coverage will average about $96 monthly.

With premiums as low as $19 per month, MetLife offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your MKX, just enter your ZIP code below and get free quotes in minutes.

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Lincoln MKX Insurance FAQs

Is a Lincoln MKX expensive to insure?

Liability insurance runs an average of $87 monthly, while full coverage will cost you around $136. When compared to the national average of all vehicles, rates come in on the lower end of the spectrum.

How can I get the best price on car insurance for my Lincoln MKX?

There's only one way to guarantee you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from many carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lincoln MKX affect my insurance prices?

You might have heard the old adage that it costs more to insure a red car, but that's actually a myth. There are lots of things insurance companies look at when they calculate how much you'll pay, but your vehicle's color is not used to make that determination.

Do I need to have insurance before I buy a Lincoln MKX?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a a new SUV is to let your car insurance carrier know before you buy.

What car insurance discounts can I get for my Lincoln MKX?

There are a ton of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your MKX and more on you, but if your MKX has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance company and ask about their discounts.