+120 more*These quotes are from Compare.com users within the last 10 days. Updated on May 12, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on May 12, 2026
The Lincoln MKT costs about the same as most other SUVs to insure.
Full coverage for a MKT typically averages about $152 per month, while liability only car insurance prices run around $79 monthly.
AmericanAlliance offers the lowest average rates for a MKT with liability only coverage offered for as low as just $31 a month.
With 2019 models coming in with a base MSRP of $47,885, the Lincoln MKT is a mid-level SUV with broad appeal.
We sifted through thousands of auto insurance quotes on Compare.com, and we've determined that average Lincoln MKT insurance rates run about $146 per month. But how does that fare against its competitors?
| Current Base Price | $47,885 |
| Body Style(s) | SUV |
| Trim Levels | MKT |
| Average Insurance Premium | $146/mo. |
| Cheapest Insurance Company | AmericanAlliance |
Vehicle | Liability Only | Full Coverage |
|---|---|---|
| Lincoln MKT | $79 | $152 |
| All Lincoln Models | $76 | $157 |
| All SUVs | $80 | $151 |
| Average Insurance Premium | $81 | $169 |
Based on the table above, Lincoln MKT insurance premiums are lower than average compared to other vehicles. MKT drivers generally pay around $79 monthly for liability insurance, and about $152 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 MKT's insurance rate is matches the rest of the automaker's vehicle lineup. Similarly, compared to other vehicles of a similar body style, MKT coverage runs close to average, with full coverage insurance rates coming in at $1 higher than other SUVs and liability insurance prices at $1 cheaper.
Compared to all vehicles, regardless of body style, model, or make, the MKT is more expensive for full coverage auto insurance, but liability only premiums are slightly lower.
Insurance Company | Average Monthly Premium |
|---|---|
| AmericanAlliance | $31 |
| Shelter Mutual | $40 |
| Aspire | $49 |
| Foremost | $53 |
| Clearcover | $54 |
If you're searching for a new car insurance policy for your Lincoln MKT, you're likely wondering which company offers the cheapest prices. While there will never be one carrier that has the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $31 a month from AmericanAlliance. The runner up for most affordable rates is Shelter Mutual, with insurance policies starting sometimes as little as $40 a month.
The third, fourth, and fifth carriers on the list are Aspire, Foremost, and Clearcover. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lincoln MKT.
Auto insurance carriers take a variety of factors into consideration when calculating how much to charge you. By getting quotes from lots of car insurance companies at once, you can rest easy knowing that you're finding the lowest rate.
As we mentioned above, there are an array of things that insurance carriers use to decide how much they charge you for a policy -- and each company weighs certain pieces more than others, so there's not a singular carrier that's the cheapest for every driver.
The following sections show several variables auto insurance companies use to calculate rates:
Vehicle Age | Average Monthly Premium |
|---|---|
| Less than 1 Year | No Recent Models |
| 2-3 Years | $68 |
| 4-5 Years | $76 |
| 6-7 Years | $74 |
| 8-10 Years | $87 |
| 11-14 Years | $67 |
| 15 Years or Older | Not Enough Data |
Lincoln has been making the MKT for quite some time, so the car's age may make a big difference in how much you'll pay for car insurance. Normally, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go lower.
Based on the information in the above table, the Lincoln MKT is in line with this trend, as the most expensive models to insure are those that are 8 to 10 years old, while on average, the cheapest models are MKTs that are 11 to 14 years old.
How old you are plays a role in how much you pay for insurance. Based on the information above, drivers who are under 24 pay less for auto insurance than older drivers.
Car insurance prices continue to go down as you get older, with the cheapest age group being 18-24 for MKT drivers.
Gender | Average Monthly Premium |
|---|---|
| Male | $89 |
| Female | $65 |
Did you know women usually pay less for car insurance than men? This is because women are less likely to get into accidents and get speeding tickets, which decreases the chances of an insurance claim. The Lincoln MKT sticks to the norm, where men pay around $89 monthly for auto insurance, while women pay about $65.
State | Average Monthly Premium |
|---|---|
| California | $34 |
| Florida | $98 |
| Georgia | $99 |
| Illinois | $31 |
| New York | $316 |
| North Carolina | $52 |
| Ohio | $36 |
| Pennsylvania | $102 |
| Texas | $56 |
| Virginia | $36 |
It may seem like common sense that factors like how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live can matter just as much. Insurance is regulated on a state-by-state basis, so rates can change quite a bit depending on which state you call home.
For example, the average Lincoln MKT driver in New York pays around $316 per month for liability coverage, while the same Californian owner will pay only a fifth of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change across states.
There’s more to car insurance than just price. Customer service, coverage offerings, and other factors are also worth considering.
The following companies strike a good balance between cost, customer satisfaction, policy management, and more.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $188/mo |
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.5 | 2.9 |
| User Reviews | NR |
|---|
No matter how old you are, what vehicle you drive, or what state you call home, using as many discounts as possible when it comes to your car insurance policy is always in your best interest.
Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:
Defensive driving discounts for taking a defensive driving class through a certified school or institution
Multi-car discounts for insuring more than one of your vehicles 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 using the same insurance carrier for both your home and car insurance
But these aren't the only discounts auto insurance carriers offer to their customers.
Although you may not have control of every factor car insurance carriers look at to calculate premiums (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the things you can use to your advantage in order to save money on auto insurance:
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $59 |
| Multiple Accidents | $147 |
| 1 Ticket | $56 |
| Multiple Tickets | $262 |
It's no secret that car insurance companies offer the most affordable prices to drivers with clean records. And you probably wouldn't be surprised that if you get a ticket for speeding or get into an accident, insurance rates will go up. But exactly how much is it going to cost you for these infractions?
According to the table above, accidents will usually cost MKT drivers more than tickets, but both will result in above average rates. Lincoln MKT drivers with a single accident on their record pay about $59 a month, while drivers with one ticket will pay an average of $56 a month. Drivers who have multiple violations of either kind will end up paying even more.
Annual Mileage | Average Monthly Premium |
|---|---|
| 0-2,500 Miles | $59 |
| 2,501-5,000 Miles | $84 |
| 5,001-7,500 Miles | $73 |
| 7,501-10,000 Miles | $68 |
| 10,000+ Miles | $95 |
How much you drive each year affects your auto insurance premiums. Those who drive less often have fewer opportunities to get into an accident, so they'll normally end up paying less for car insurance. In the table above, you can see that Lincoln MKT owners who drive 10,000 miles or more pay $95 for insurance, while those who drive fewer than 2,500 miles per year pay an average of $59 monthly.
If you don't use your Lincoln MKT to travel or commute regularly, it may be worth getting pay-per-mile or usage-based car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.
If you're thinking about purchasing a Lincoln MKT, it might be helpful to do your due diligence. Auto insurance is just one cost that comes with buying a new car, but it's certainly one that's worth taking into consideration.
Visit the table below to see how the Lincoln MKT compares:
Lincoln MKT | National Average | |
|---|---|---|
| Liability Insurance | $78 | $81 |
| Full Coverage Insurance | $252 | $169 |
| Base MSRP | $47,885 | $46,074 |
| Average Annual Mileage | 12,975 | 11,617 |
Overall, the Lincoln MKT has an MSRP that's on par with the going rate for a new vehicle. The MKT goes for $47,885, similar to the national average vehicle MSRP of $46,074.
But while the purchase price runs about average, auto insurance prices are slightly higher when compared to the rest of the vehicle market. Liability insurance for a Lincoln MKT is about $3 per month less than average, while full coverage is over $50 more per month.
When it comes to usage, Lincoln MKT owners drive more miles annually than the national average, with 11,617 miles each year for all vehicles compared to the MKT's 12,975 every year.
We've gone over many of the variables that can affect how much the average driver pays for insurance. If you're considering buying a new MKT, having a good idea of how much you'll likely pay can be helpful as you consider your choices.
| Liability Only Avg. Premium | $78 |
| Full Coverage Avg. Premium | $252 |
| Base MSRP | $47,885 |
| Cheapest Insurance Company | MetroMile - $78/mo. |
| Available Trims | MKT |
It costs around $78 monthly for liability or $252 for a full coverage policy for the 2019 Lincoln MKT.
With rates as cheap as just $78 a month, MetroMile offered the cheapest policy we found for the 2019 Lincoln MKT.
Interested in what your auto insurance premium will be? Just enter your ZIP code below to get multiple free customized quotes.
| Liability Only Avg. Premium | $79 |
| Full Coverage Avg. Premium | $189 |
| Base MSRP | $43,370 |
| Cheapest Insurance Company | Dairyland - $58/mo. |
| Available Trims | MKT |
You can expect full coverage for a 2016 MKT to run about $189 per month, while liability only coverage will average around $79 a month.
Dairyland has prices as little as just $58 monthly for the 2016 Lincoln MKT.
If you're looking for a more exact figure on what you should pay for insurance for a 2016 Lincoln MKT, you can get free quotes in minutes by just entering your ZIP code below.
| Liability Only Avg. Premium | $76 |
| Full Coverage Avg. Premium | $161 |
| Base MSRP | $43,210 |
| Cheapest Insurance Company | Foremost - $53/mo. |
| Available Trims | MKT |
On average, drivers who own a 2015 Lincoln MKT can expect to pay $76 to $161 a month for liability only and full coverage car insurance, respectively.
With premiums sometimes as cheap as $53 monthly, Foremost offered the lowest policy we found.
If you want to know exactly how much you can expect to pay for your MKT, get free quotes in minutes by just entering your ZIP code below.
| Liability Only Avg. Premium | $84 |
| Full Coverage Avg. Premium | $135 |
| Base MSRP | $43,050 |
| Cheapest Insurance Company | AmericanAlliance - $31/mo. |
| Available Trims | MKT |
The average cost to insure a 2014 MKT with liability only coverage is $84 per month, while full coverage runs about $135 monthly.
We found AmericanAlliance offered the most affordable policy, with rates as low as $31 a month.
What could your insurance rate look like? All you need to do is enter your ZIP code below and you'll be on your way to comparing a variety of personalized quotes from the nation's top insurance carriers.
| Liability Only Avg. Premium | $128 |
| Full Coverage Avg. Premium | $161 |
| Base MSRP | $45,285 |
| Cheapest Insurance Company | Amica - $45/mo. |
| Available Trims | MKT |
2013 Lincoln MKT drivers can expect to pay an average of $128 per month for liability or $161 for full coverage.
If you're looking for the cheapest possible 2013 Lincoln MKT insurance policy, Amica offered the cheapest policy we found, with rates sometimes as low as $45 monthly.
If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.
| Liability Only Avg. Premium | $64 |
| Full Coverage Avg. Premium | $180 |
| Base MSRP | $44,300 |
| Cheapest Insurance Company | MetLife - $39/mo. |
| Available Trims | MKT |
It costs around $64 a month for liability or $180 for a full coverage policy for the 2012 MKT.
Looking for the lowest policy? MetLife offered liability only coverage for as little as $39 per month.
If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.
| Liability Only Avg. Premium | $72 |
| Full Coverage Avg. Premium | $137 |
| Base MSRP | $44,300 |
| Cheapest Insurance Company | Mapfre - $25/mo. |
| Available Trims | MKT |
On average, drivers who own a 2011 Lincoln MKT can expect to pay $72 to $137 a month for liability only and full coverage auto insurance, respectively.
Mapfre offered the most affordable policy we found, with rates as cheap as $25 monthly.
Want to know exactly how much you'll pay? Enter your ZIP code below to get several personalized quotes for free.
| Liability Only Avg. Premium | $76 |
| Full Coverage Avg. Premium | $126 |
| Base MSRP | $44,200 |
| Cheapest Insurance Company | SafeAuto - $27/mo. |
| Available Trims | MKT |
The average cost to insure a 2010 MKT with liability only coverage is $76 per month, while full coverage runs about $126 monthly.
We found SafeAuto offered the cheapest policy, with rates sometimes as little as $27 a month.
While these are good estimates of what the average driver might pay to insure a 2010 Lincoln MKT, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.
The cost of car insurance for the Lincoln MKT is about on par with the average SUV. Liability insurance runs an average of $79 per month, while full coverage will cost you around $152.
There's only one way to be sure you're getting the most affordable rates -- checking prices regularly and comparing quotes from a multitude of companies. 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 prices from multiple carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.
You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually a myth. Even though there are lots of factors auto insurance companies consider when they decide how much your policy will be, your Lincoln MKT's color is not factored into that decision.
Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new SUV is to talk with your auto insurance carrier before you buy.
There are a variety of different discounts out there for insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the vehicle you drive, but if your MKT has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to reach out to your insurance company and ask about their list of discounts, since they shift quite a bit from company to company.
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