Buy Cheap Lincoln MKC Auto Insurance in 2024
Average auto insurance rates for a Lincoln MKC cost $1,458 a year, or around $122 a month. You can find cheap Lincoln MKC insurance rates if you are a good driver. Mature drivers with good driving records may find rates as low as $857 a year.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
UPDATED: Jul 28, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 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: Jul 28, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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:
- Full coverage costs around $1,458 a year or $122 each month
- A liability-only policy costs around $585 a year or $49 each month
- Highest rates are for teenage drivers at around $5,329 a year or $444 each month
- Good drivers can save as much as $601 a year by earning policy discounts
- Lincoln MKC insurance costs around $61 less per year than the average vehicle
Lincoln MKC insurance rates don’t have to be complicated. Full coverage for a Lincoln MKC costs around $1,458 a year or $122 each month. Our comprehensive guide breaks down these rates with money-saving tips. Read on.
You can start comparing quotes for Lincoln MKC car insurance rates from some of the best car insurance companies by using our free online tool now.
What is the average insurance cost for a Lincoln MKC?
The average Lincoln MKC car insurance rates are $1,458 a year or $122 a month.
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Are Lincoln MKCs Expensive to Insure?
The chart below details how Lincoln MKC insurance rates compare to other crossovers like the Hyundai Kona, Lincoln MKT, and BMW X6.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lincoln MKC | $306 | $596 | $398 | $1,458 |
| Hyundai Kona | $280 | $500 | $316 | $1,232 |
| Lincoln MKT | $370 | $626 | $450 | $1,626 |
| BMW X6 | $432 | $834 | $398 | $1,822 |
| Lexus RX 450h | $390 | $718 | $420 | $1,708 |
| Ford Escape | $280 | $438 | $316 | $1,170 |
| Honda CR-V | $280 | $408 | $316 | $1,140 |
However, there are a few things you can do to find the cheapest Lincoln insurance rates online.
Read more: Buy Cheap BMW Auto Insurance
What Impacts the Cost of Lincoln MKC Insurance?
The Lincoln MKC trim and model you choose can impact the total price you will pay for Lincoln MKC insurance coverage.
Age of the Vehicle
Older Lincoln MKC models generally cost less to insure. For example, auto insurance for a 2018 Lincoln MKC costs $1,458, while 2015 Lincoln MKC insurance costs are $1,408, a difference of $50.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Lincoln MKC | $306 | $596 | $398 | $1,458 |
| 2017 Lincoln MKC | $296 | $582 | $416 | $1,452 |
| 2016 Lincoln MKC | $286 | $558 | $430 | $1,432 |
| 2015 Lincoln MKC | $270 | $538 | $442 | $1,408 |
Driver Age
Driver age can have a significant effect on the cost of Lincoln MKC car insurance. For example, a 20-year-old driver could pay around $149 more each month for their Lincoln MKC car insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Lincoln MKC insurance rates. For example, drivers in Los Angeles may pay $539 a year more than drivers in Philadelphia.
Your Driving Record
Your driving record can have an impact on the cost of Lincoln MKC car insurance. Teens and drivers in their 20’s see the highest jump in their Lincoln MKC auto insurance rates with violations on their driving record.
Lincoln MKC Safety Ratings
The Lincoln MKC’s safety ratings will affect your Lincoln MKC car insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
Lincoln MKC Crash Test Ratings
Lincoln MKC crash test ratings can impact your Lincoln MKC car insurance rates. See Lincoln MKC crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Lincoln MKC SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Lincoln MKC SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Lincoln MKC SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Lincoln MKC SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Lincoln MKC SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Lincoln MKC SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Lincoln MKC SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Lincoln MKC SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Lincoln MKC Safety Features
Having a variety of safety features on your Lincoln MKC can help lower your insurance costs. The Lincoln MKC’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
- Traction Control
- Pedestrian Detection
Lincoln MKC’s also include features such as:
- Active Park Assist
- Front-Wheel Drive
- USB Ports
- Rear Seats
- Android Auto
Lincoln MKC Insurance Loss Probability
The Lincoln MKC’s insurance loss probability varies between different coverage types. The lower percentage means lower Lincoln MKC auto insurance costs; higher percentages mean higher Lincoln MKC auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | -3% |
|---|---|
| Property Damage | -24% |
| Comprehensive | -31% |
| Personal Injury | no data |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
What are my finance and insurance costs?
If you are financing a Lincoln MKC, most lenders will require your carry higher Lincoln MKC coverage options including comprehensive coverage, so be sure to shop around and compare Lincoln MKC car insurance quotes from the best companies using our FREE tool below.
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What are some ways to save on Lincoln MKC insurance?
You have more options at your disposal to save money on your Lincoln MKC auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Lincoln MKC car insurance rates
- Buy a Lincoln MKC with an Anti-Theft Device
- Buy Winter Tires for Your Lincoln MKC
- Drive Your Lincoln MKC Safely
- Get Lincoln MKC Auto Insurance Through Costco
- Get a Plan with Only Liability Coverage If You’re Driving an Older Lincoln MKC
What are the top Lincoln MKC insurance companies?
Several insurance companies offer competitive rates for the Lincoln MKC based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Lincoln MKC 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
How can I buy cheap insurance for my Lincoln MKC?
To buy cheap insurance for your Lincoln MKC, consider the following tips:
- Compare quotes: Obtain multiple insurance quotes from different providers to find the most affordable option.
- Opt for higher deductibles: Choosing a higher deductible can lower your insurance premium.
- Bundle your policies: If you have multiple insurance needs, such as home or renters insurance, bundling them with your auto insurance can often lead to discounted rates.
- Maintain a good driving record: Avoid accidents and traffic violations to maintain a clean driving record, as insurance companies often offer better rates to safe drivers.
- Utilize available discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for vehicle safety features.
- Consider usage-based insurance: Some insurance providers offer usage-based programs where your premium is based on your driving habits. If you are a safe driver, this can result in lower rates.
What factors affect the cost of insurance for a Lincoln MKC?
Several factors can impact the cost of insurance for a Lincoln MKC, including:
- Age and driving experience: Younger or inexperienced drivers generally face higher insurance rates.
- Location: Insurance premiums can vary based on where you live due to factors like crime rates and traffic congestion.
- Vehicle model and features: The specific model of your Lincoln MKC and its safety features can affect insurance rates.
- Personal driving record: Your history of accidents, traffic violations, and claims can impact the cost of insurance.
- Annual mileage: The more you drive, the higher the potential risk, which can increase insurance rates.
- Credit history: In some regions, insurance companies consider credit history when determining rates.
- Coverage limits and deductibles: Higher coverage limits and lower deductibles often result in higher premiums.
Are there any specific insurance requirements for a Lincoln MKC?
Insurance requirements can vary depending on your location and local laws. However, most regions require liability insurance, which covers damages you may cause to others in an accident. Additionally, if you have a loan or lease on your Lincoln MKC, the lender or lessor may require you to carry collision and comprehensive coverage. It’s important to check the insurance requirements in your jurisdiction and review your financing agreement to ensure compliance.
Can I lower my insurance costs by reducing coverage for my Lincoln MKC?
While reducing coverage may lower your insurance costs in the short term, it’s essential to carefully consider the potential risks and financial consequences. Lowering coverage limits or eliminating comprehensive and collision coverage can leave you financially vulnerable in the event of an accident or damage to your vehicle. It’s advisable to strike a balance between affordability and adequate coverage to protect yourself and your Lincoln MKC.
How can I find the cheapest insurance provider for my Lincoln MKC?
To find the cheapest insurance provider for your Lincoln MKC, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates.
- Research customer reviews: Look for feedback and reviews about the insurance providers you are considering to assess their customer service and claims handling.
- Evaluate coverage options: Ensure that the coverage offered by the insurance provider meets your needs and includes the necessary protection for your Lincoln MKC.
- Check for discounts: Inquire about available discounts that could further reduce your premium.
- Consider insurance agents or brokers: Working with an agent or broker can help you navigate the insurance market and find the
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
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.