2016 Lincoln MKC Car Insurance Calculator

Watch in real-time how changing risk factors impact the cost of car insurance for a 2016 Lincoln MKC. Experiment with options like driving violations, coverage levels, and mileage driven to see how rates are affected. Immediately discover if the change you make results in cheaper or more expensive car insurance.

The average estimated car insurance premium for a 2016 Lincoln MKC is $1,640 per year, or about $137 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,640

Cost Per Month

$137

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lincoln MKC Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Lincoln MKC.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,640
Average Rate
Your Rate
$1,640

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Lincoln MKC trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Lincoln MKC is $1,640.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Lincoln MKC vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2016 Lincoln MKC against all other models in the small luxury SUV segment. The Lincoln MKC is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lincoln MKC, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lincoln MKC.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Lincoln MKC Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo XC60$1,368-$272
2Acura RDX$1,390-$250
3Mercedes-Benz GLA250$1,542-$98
4Mercedes-Benz GLC300$1,624-$16
5BMW X1$1,632-$8
6Lincoln MKC$1,640--
7Audi Q3$1,730$90
8Lexus NX 300H$1,738$98
2016 Small Luxury SUV Average$1,778$138
9Mercedes-Benz GLA45 AMG$1,810$170
10Lexus NX 200T$1,834$194
11BMW X4$1,858$218
12BMW X3$1,862$222
13Infiniti QX70$1,876$236
14Land Rover Evoque$1,914$274
15Audi Q5$1,950$310
16Mercedes-Benz GLE550E$2,202$562
17Porsche Macan$2,252$612

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 MKC Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Lincoln MKC.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Lincoln MKC Insurance Rates by Trim Level
2016 Lincoln MKC Trim Level Annual Premium Cost Per Month
Premier 2WD$1,566$131
Premier AWD$1,566$131
Select 2WD$1,614$135
Select AWD$1,614$135
Reserve 2WD$1,664$139
Reserve AWD$1,664$139
Black Label 2WD$1,710$143
Black Label AWD$1,710$143

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Lincoln MKC for different driver ages.

2016 Lincoln MKC Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,804$484
17$5,591$466
18$4,953$413
19$4,542$379
20$3,479$290
21$3,321$277
22$2,971$248
23$2,475$206
24$2,330$194
25$1,894$158
30$1,740$145
35$1,686$141
40$1,640$137
45$1,538$128
50$1,462$122
55$1,364$114
60$1,366$114
65$1,448$121
70$1,568$131
75$1,852$154
80$2,270$189

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lincoln MKC trim levels.