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 MKT? 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 MKT insurance facts

  • Average full coverage auto insurance premium: $167/month

  • Most affordable companies: USAA ($93/month) & Erie Insurance ($97/month)

  • MKT car insurance cost vs. average rates: $47 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lincoln MKT 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 MKT insurer costs by state:

Risk factors affecting Lincoln MKT 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 MKT 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 MKT 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 MKT 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 MKT

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2156
Allstate$1890
American Family$1691
Amica$2359
Auto-Owners$1354
Country Financial$2015
Erie$1205
Farmers$1642
GEICO$1381
Kentucky Farm Bureau$2036
Liberty Mutual$1865
MAPFRE$2481
Mercury$1745
MetLife$2286
Progressive$1298
Sentry$1426
Shelter$2576
State Farm$1530
Tennessee Farmers$1780
Texas Farm Bureau$1562
The Hanover$2084
Travelers$1935
USAA$1130

Compare all 2019 Lincoln MKT rates

Average Cost to Insure Per Year

$1986

List Price

$49500

Trims Available

Premiere - Reserve - Base Engine: twin-turbo V-6 makes 365 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 MKT

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1321
Acuity$ 1321
Allied$ 1298
Allied$ 1298
Arbella$ 1550
Arbella$ 1550
Country$ 1523
Country$ 1523
Erie$ 1139
Erie$ 1139
GEICO$ 1582
GEICO$ 1582
Mercury$ 1499
Mercury$ 1499
Nationwide$ 1464
Nationwide$ 1464
Plymouth Rock Insurance$ 1318
Plymouth Rock Insurance$ 1318
Tennessee Farmers$ 1122
Tennessee Farmers$ 1122
USAA$ 1401
USAA$ 1401
Vermont Mutual$ 1317
Vermont Mutual$ 1317

Compare all 2018 Lincoln MKT rates

Average Cost to Insure Per Year

$1826

List Price

$43580

Trims Available

Premiere - Reserve - Base Engine: twin-turbo V-6 makes 365 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 MKT

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1339
Acuity$ 1339
Allied$ 1363
Allied$ 1363
Arbella$ 1566
Arbella$ 1566
Country$ 1443
Country$ 1443
Erie$ 1134
Erie$ 1134
GEICO$ 1661
GEICO$ 1661
Mercury$ 1533
Mercury$ 1533
Nationwide$ 1550
Nationwide$ 1550
Plymouth Rock Insurance$ 1302
Plymouth Rock Insurance$ 1302
Texas Farm Bureau$ 1105
Texas Farm Bureau$ 1105
USAA$ 1440
USAA$ 1440
Vermont Mutual$ 1313
Vermont Mutual$ 1313

Compare all 2017 Lincoln MKT rates

Average Cost to Insure Per Year

$ 1299

List Price

$ 43530

Trims Available

Base - Elite

2016 Lincoln MKT

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1255
Acuity$ 1255
Allied$ 1334
Allied$ 1334
Arbella$ 1421
Arbella$ 1421
Country$ 1316
Country$ 1316
Erie$ 927
Erie$ 927
GEICO$ 1491
GEICO$ 1491
Mercury$ 1447
Mercury$ 1447
Plymouth Rock Insurance$ 1253
Plymouth Rock Insurance$ 1253
Tennessee Farmers$ 1070
Tennessee Farmers$ 1070
Texas Farm Bureau$ 977
Texas Farm Bureau$ 977
USAA$ 1326
USAA$ 1326
Vermont Mutual$ 1192
Vermont Mutual$ 1192

Compare all 2016 Lincoln MKT rates

Average Cost to Insure Per Year

$ 1267

List Price

$ 43370

Trims Available

Base - EcoBoost

2015 Lincoln MKT

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1216
Acuity$ 1216
Allied$ 1340
Allied$ 1340
Arbella$ 1386
Arbella$ 1386
Country$ 1291
Country$ 1291
Erie$ 894
Erie$ 894
GEICO$ 1433
GEICO$ 1433
Mercury$ 1429
Mercury$ 1429
Plymouth Rock Insurance$ 1223
Plymouth Rock Insurance$ 1223
Tennessee Farmers$ 1104
Tennessee Farmers$ 1104
Texas Farm Bureau$ 956
Texas Farm Bureau$ 956
USAA$ 1232
USAA$ 1232
Vermont Mutual$ 1143
Vermont Mutual$ 1143

Compare all 2015 Lincoln MKT rates

Average Cost to Insure Per Year

$ 1241

List Price

$ 43210

Trims Available

Base - EcoBoost

2014 Lincoln MKT

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1249
Acuity$ 1249
Allied$ 1350
Allied$ 1350
American Family$ 1399
American Family$ 1399
Arbella$ 1459
Arbella$ 1459
Country$ 1363
Country$ 1363
Erie$ 1022
Erie$ 1022
Mercury$ 1469
Mercury$ 1469
Plymouth Rock Insurance$ 1213
Plymouth Rock Insurance$ 1213
Tennessee Farmers$ 1141
Tennessee Farmers$ 1141
Texas Farm Bureau$ 981
Texas Farm Bureau$ 981
USAA$ 1250
USAA$ 1250
Vermont Mutual$ 1144
Vermont Mutual$ 1144

Compare all 2014 Lincoln MKT rates

Average Cost to Insure Per Year

$ 1168

List Price

$ 43050

Trims Available

Base - Ecoboost

2013 Lincoln MKT

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1198
Acuity$ 1198
Allied$ 1313
Allied$ 1313
Arbella$ 1409
Arbella$ 1409
Country$ 1416
Country$ 1416
Erie$ 956
Erie$ 956
GEICO$ 1401
GEICO$ 1401
Mercury$ 1409
Mercury$ 1409
Plymouth Rock Insurance$ 1174
Plymouth Rock Insurance$ 1174
Tennessee Farmers$ 1111
Tennessee Farmers$ 1111
Texas Farm Bureau$ 955
Texas Farm Bureau$ 955
USAA$ 1157
USAA$ 1157
Vermont Mutual$ 1094
Vermont Mutual$ 1094

Compare all 2013 Lincoln MKT rates

Average Cost to Insure Per Year

$ 1226

List Price

$ 45285

Trims Available

Base - EcoBoost

2012 Lincoln MKT

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1176
Acuity$ 1176
Allied$ 1290
Allied$ 1290
American Family$ 1378
American Family$ 1378
Country$ 1427
Country$ 1427
Erie$ 847
Erie$ 847
GEICO$ 1398
GEICO$ 1398
Mercury$ 1409
Mercury$ 1409
Plymouth Rock Insurance$ 1157
Plymouth Rock Insurance$ 1157
Tennessee Farmers$ 1125
Tennessee Farmers$ 1125
Texas Farm Bureau$ 938
Texas Farm Bureau$ 938
USAA$ 1096
USAA$ 1096
Vermont Mutual$ 1067
Vermont Mutual$ 1067

Compare all 2012 Lincoln MKT rates

Average Cost to Insure Per Year

$ 1193

List Price

$ 44300

Trims Available

Base - EcoBoost - Hearse Package

2011 Lincoln MKT

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1296
Acuity$ 1296
Allied$ 1277
Allied$ 1277
American Family$ 1320
American Family$ 1320
Arbella$ 1181
Arbella$ 1181
Country$ 1288
Country$ 1288
Erie$ 837
Erie$ 837
GEICO$ 1244
GEICO$ 1244
Plymouth Rock Insurance$ 1144
Plymouth Rock Insurance$ 1144
Tennessee Farmers$ 1057
Tennessee Farmers$ 1057
Texas Farm Bureau$ 908
Texas Farm Bureau$ 908
USAA$ 1047
USAA$ 1047
Vermont Mutual$ 974
Vermont Mutual$ 974

Compare all 2011 Lincoln MKT rates

Average Cost to Insure Per Year

$ 1211

List Price

$ 44300

Trims Available

Base - EcoBoost