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

Quick Facts

• A Lincoln MKC costs more than most other SUVs to insure.
• Full coverage car insurance for a MKC averages about $165 a month, on average, while liability only insurance generally comes in at around $82 monthly.
• The cheapest auto insurance company for a MKC is Hallmark.

MKC Overview

Coming in with a base MSRP of $33,995 for 2019 models, the Lincoln MKC is a great budget-friendly SUV for drivers of all types. With four different trim levels currently available, you'll drive off the dealership lot in style.

We combed through thousands of insurance quotes on Compare.com, and we've found that Lincoln MKC car insurance premiums average out to about $154 a month. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Lincoln MKC?

You'll see in the table above that compared to other vehicles, Lincoln MKC insurance rates are right around average. On average, MKC drivers can expect to pay about $82 monthly for liability insurance, and around $165 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Comparing it to other Lincoln models, the MKC is slightly more expensive, with prices more than 5% higher than the rest of the manufacturer's vehicle offerings. Similarly, compared to other vehicles of a similar body style, MKC coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other SUVs.

Compared to all vehicles of any body type, auto insurance rates for both full coverage and liability only policies run higher than average.

Who has the Cheapest Car Insurance for a Lincoln MKC?

If you're in the market for a new car insurance policy for your Lincoln MKC, you might be most interested in which carrier offers the cheapest prices. While costs will normally be pretty different from driver to driver, Shelter Mutual has the most affordable average rates for liability only coverage, with rates as little as $28 a month. With car insurance as low as $29 per month, Clearcover is the next lowest insurance company.

Rounding out the list are Fiesta, MetroMile, and Commonwealth Casualty. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lincoln MKC.

Auto insurance companies use a wide array of factors and complex formulas to calculate rates. Because every driver is different, there's only one way to ensure you get the cheapest prices, and that's by getting personalized quotes and comparing rates from a wide array of car insurance carriers.

What Factors Affect Car Insurance Rates for a Lincoln MKC?

As we mentioned above, there are a bunch of things that auto insurance companies take into account to determine how much they charge for insurance -- and each carrier weighs certain factors more than others, so there's not just one company that's the lowest for every driver.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Lincoln has been making the MKC for quite some time, so the car's age may make a big difference in how much you'll pay for auto insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and MKCs begin to depreciate, insurance costs will gradually go lower.

Based on the above table, the Lincoln MKC follows this trend, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are MKCs that are 1 year old or less, on average.

Your Age

Age plays a significant role in how much car insurance carriers will charge you for insurance. In the table above, you'll see that drivers who are under 18 have higher prices compared to drivers who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group for MKC drivers being 45-54.

Your Gender

Did you know women tend to pay less for car insurance than men? This is because women are less likely to get speeding tickets and get into collisions, which lowers the chances of an insurance claim. The Lincoln MKC is no different, and women pay about $69 monthly for auto insurance and men pay around $92.

Where You Live

It may seem like common sense that factors like what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live is just as important? Since car insurance is regulated on the state level and not nationally, premiums can vary quite a bit from state to state.

For example, the average Lincoln MKC driver in New York pays about $242 per month for liability coverage. Meanwhile, on average, the same owner from California will pay only a quarter of that price. The table above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change depending on where you live.

Lincoln MKC Car Insurance Discounts

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

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

• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier

However, discounts aren't the only way to save.

Although you can't control every factor car insurance companies examine to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've no doubt seen ads from auto insurance carriers offering big discounts for safe drivers. It follows that if you get speeding tickets or get into a collision, insurance prices will increase. But exactly how much is it going to cost you for these infractions?

According to the table above, accidents will usually cost MKC drivers more than tickets, but both will cause a significant increase in rates. Lincoln MKC drivers with a single ticket will pay an average of $69 a month, while drivers with one accident on their record pay about $85 every month (up $3 from the $82/mo. overall average). Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that affects your auto insurance premiums is the amount of miles you drive annually. Those who drive less often are less likely to get into collisions, so they'll usually end up spending less on insurance. In the table above, you can see that Lincoln MKC owners who drive less than 2,500 miles pay $137 for car insurance, while those who drive between 5,000 and 7,500 miles a year pay about $64 monthly.

But if you happen to be one of those drivers who put very few miles on your Lincoln MKC each year, it may be worth considering pay-per-mile or usage-based auto insurance. 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.

How Do Lincoln MKCs Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Lincoln MKC is on your shortlist, it can pay off to do your research. Car insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering carefully.

Take a look at the table below to see how the Lincoln MKC compares:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Lincoln MKC is a great value for any budget. While the national average vehicle MSRP is $46,074, the MKC comes in at just $33,995.

But while the purchase price is on the lower end of the spectrum, car insurance prices are higher when compared to the rest of the vehicle market. Liability insurance for a Lincoln MKC is around $17 per month more than average, while full coverage is $7 more per month.

When it comes to usage, Lincoln MKC owners drive about the same amount annually as the national average, with 11,617 miles per year for all vehicles compared to the MKC's 10,921 each year.

Lincoln MKC Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect a driver's insurance rates. But if you're considering purchasing a new MKC, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

2019 Lincoln MKC Car Insurance

You can expect full coverage for a 2019 Lincoln MKC to run about $176 monthly, while liability only coverage will average around $98 a month.

Looking for the cheapest policy? Safeco offered liability only coverage for as low as just $35 per month.

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

2018 Lincoln MKC Car Insurance

2018 MKC drivers can expect to pay an average of $70 a month for liability or $172 for full coverage.

Shelter Mutual has rates as little as just $28 monthly for the 2018 Lincoln MKC.

Interested in exactly how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing several personalized quotes from the nation's top insurance companies.

2017 Lincoln MKC Car Insurance

The average cost to insure a 2017 Lincoln MKC with liability only coverage is $67 per month, while full coverage runs about $173 a month.

If you're looking for the lowest possible 2017 Lincoln MKC insurance policy, Clearcover offered the lowest policy we found, with rates sometimes as cheap as $22 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2016 Lincoln MKC Car Insurance

On average, drivers who own a 2016 MKC can expect to pay $133 to $145 per month for liability only and full coverage auto insurance, respectively.

Commonwealth Casualty offered the most affordable policy we found, with rates as cheap as just $47 a month.

Interested in just how much you'll pay? Just enter your ZIP code below to get a variety of free customized quotes.

2015 Lincoln MKC Car Insurance

It costs around $80 monthly for liability or $162 for a full coverage policy for the 2015 Lincoln MKC.

With prices sometimes as little as $28 a month, Mapfre offered the cheapest policy we found for the 2015 Lincoln MKC.

While these are good estimates of what the average driver might pay to insure a 2015 Lincoln MKC, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

Lincoln MKC Insurance FAQs

Is a Lincoln MKC expensive to insure?

The Lincoln MKC is relatively expensive to insure compared to the average vehicle. Liability insurance runs an average of $82 per month, while full coverage will cost you around $165.

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

There's only one way to confirm you're getting the lowest rates -- regularly shopping around and comparing quotes from a whole bunch of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from many companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Lincoln MKC affect my insurance premiums?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. Even though there are many things insurance carriers examine when they decide how much to charge you, the color of your Lincoln MKC isn't one of them.

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

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) MKC off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a a new SUV is to talk with your car insurance company beforehand.

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

You will find all sorts of discounts out there for insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your MKC has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know is to contact your insurance carrier and ask about which discounts they offer.