Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a used Lincoln MKC? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lincoln MKC insurance facts

  • Average full coverage auto insurance premium: $126/month

  • Most affordable companies: USAA ($81/month) & Nationwide ($85/month)

  • MKC car insurance cost vs. average rates: $12 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lincoln MKC by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Lincoln MKC insurer costs by state:

Risk factors affecting Lincoln MKC coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Lincoln MKC insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lincoln models, you can get the following insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lincoln luxury automobile brand

Lincoln is an automobile manufacturer division of Ford specializing in top luxury brands with exceptional reliability for the United States market. The target audience of Lincoln is the older generation demanding more traditional cars with elegance and conventional American luxury. All Lincoln automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lincoln Continental, Navigator, and MKZ are some of their most popular cars.

High Lincoln MKC repair costs equal high coverage rates

Many consumers are attracted to Lincoln’s traditional American features, lack of engine vibration, and driver-assist technologies, like Co-Pilot360 safety features. Automotive parts are common but more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lincoln is higher than average since repair parts are more expensive. For this reason, many Lincolns are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lincoln MKC affecting auto policies

Another factor to consider for Lincoln is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lincoln models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lincoln IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lincolns are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lincoln’s (Ford’s) Co-Pilot360 technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lincoln models. The Lincoln Corsair and Lincoln Aviator are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Lincoln automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lincoln automobile owners when buying an insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2019 Lincoln MKC

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1911
Allstate$1727
American Family$1564
Amica$2024
Country Financial$1749
Erie$1153
Farmers$1506
GEICO$1194
Kentucky Farm Bureau$1836
Liberty Mutual$2130
MAPFRE$2041
Mercury$1602
MetLife$1987
Nationwide$1026
Progressive$1035
Sentry$1254
Shelter$1688
State Farm$1329
Tennessee Farmers$1615
Texas Farm Bureau$1437
The Hanover$1851
Travelers$1735
USAA$988

Compare all 2019 Lincoln MKC rates

Average Cost to Insure Per Year

$1520

List Price

$33995

Trims Available

Premiere - Select - Reserve - Black Label - Base Engine: 2.0-liter four-cylinder at 240 horsepower with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors

2018 Lincoln MKC

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1238
Acuity$ 1238
Allied$ 1328
Allied$ 1328
Country$ 1350
Country$ 1350
Erie$ 965
Erie$ 965
GEICO$ 952
GEICO$ 952
Nationwide$ 1266
Nationwide$ 1266
Plymouth Rock Insurance$ 1200
Plymouth Rock Insurance$ 1200
Progressive$ 1124
Progressive$ 1124
State Farm$ 1164
State Farm$ 1164
Tennessee Farmers$ 1123
Tennessee Farmers$ 1123
USAA$ 1153
USAA$ 1153
Vermont Mutual$ 1175
Vermont Mutual$ 1175

Compare all 2018 Lincoln MKC rates

Average Cost to Insure Per Year

$1389

List Price

$33355

Trims Available

Premiere - Select - Reserve - Black Label - Base Engine: 2.0-liter four-cylinder at 240 horsepower with Lincoln Co-Pilot 360 includes: backup camera, forward collision warning with pedestrian detection, automatic emergency braking, blind-spot warning, rear cross-traffic warning, lane departure warning with lane-keeping assistance, automatic high-beam headlights, driver monitoring system, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, Child Safety Locks, Integrated Turn Signal Mirrors

2017 Lincoln MKC

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1221
Acuity$ 1221
Arbella$ 1291
Arbella$ 1291
Country$ 1257
Country$ 1257
Erie$ 893
Erie$ 893
GEICO$ 779
GEICO$ 779
Nationwide$ 1250
Nationwide$ 1250
Plymouth Rock Insurance$ 1165
Plymouth Rock Insurance$ 1165
Progressive$ 1181
Progressive$ 1181
State Farm$ 1057
State Farm$ 1057
Texas Farm Bureau$ 911
Texas Farm Bureau$ 911
USAA$ 1081
USAA$ 1081
Vermont Mutual$ 1124
Vermont Mutual$ 1124

Compare all 2017 Lincoln MKC rates

Average Cost to Insure Per Year

$ 1186

List Price

$ 32880

Trims Available

Premiere - Select - Reserve - Black Label

2016 Lincoln MKC

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1204
Acuity$ 1204
American Family$ 1197
American Family$ 1197
Erie$ 805
Erie$ 805
GEICO$ 650
GEICO$ 650
Nationwide$ 1119
Nationwide$ 1119
Plymouth Rock Insurance$ 1134
Plymouth Rock Insurance$ 1134
Progressive$ 985
Progressive$ 985
State Farm$ 920
State Farm$ 920
Tennessee Farmers$ 1091
Tennessee Farmers$ 1091
Texas Farm Bureau$ 915
Texas Farm Bureau$ 915
USAA$ 919
USAA$ 919
Vermont Mutual$ 1133
Vermont Mutual$ 1133

Compare all 2016 Lincoln MKC rates

Average Cost to Insure Per Year

$ 1061

List Price

$ 33260

Trims Available

Premiere - Select - Reserve - Black Label

2015 Lincoln MKC

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1258
Acuity$ 1258
Allied$ 1236
Allied$ 1236
Erie$ 989
Erie$ 989
GEICO$ 1151
GEICO$ 1151
Nationwide$ 1272
Nationwide$ 1272
Plymouth Rock Insurance$ 1116
Plymouth Rock Insurance$ 1116
Progressive$ 1218
Progressive$ 1218
State Farm$ 1170
State Farm$ 1170
Tennessee Farmers$ 1162
Tennessee Farmers$ 1162
Texas Farm Bureau$ 966
Texas Farm Bureau$ 966
USAA$ 1108
USAA$ 1108
Vermont Mutual$ 1201
Vermont Mutual$ 1201

Compare all 2015 Lincoln MKC rates

Average Cost to Insure Per Year

$ 1241

List Price

$ 33100

Trims Available

Base - Black Label