2018 Lincoln MKT Car Insurance Calculator

View in real-time how changing risk factors impact the insurance cost for a 2018 Lincoln MKT. Fine-tune factors like liability limits, policy deductibles, driver age, and policy discounts. Instantly know if and why the choice you make has an impact on insurance rates.

The average estimated car insurance premium for a 2018 Lincoln MKT is $1,864 per year, or about $155 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

$1,864

Cost Per Month

$155

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 MKT 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 2018 Lincoln MKT.

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.

$1,864
Average Rate
Your Rate
$1,864

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 2018 Lincoln MKT 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 2018 Lincoln MKT is $1,864.

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.

2018 Lincoln MKT Segment Comparison

The table below compares insurance rates for the 2018 Lincoln MKT against all other models in the midsize luxury SUV segment. The Lincoln MKT 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 MKT, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lincoln MKT.

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

2018 Lincoln MKT Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$1,696-$168
2Cadillac XT5$1,758-$106
3Lexus RX 350L$1,818-$46
4Lincoln MKT$1,864--
5Lexus RX 350$1,890$26
6Lincoln MKX$1,940$76
7Jaguar E-Pace$1,956$92
8Acura MDX$1,978$114
9Audi SQ5$2,004$140
10Lexus RX 450$2,046$182
11Volvo V90$2,060$196
12Lexus GX 460$2,062$198
13Infiniti QX60$2,078$214
14Land Rover Discovery$2,090$226
15Lexus RX 450hL$2,120$256
2018 Midsize Luxury SUV Average$2,181$317
16Mercedes-Benz AMG GLC43$2,206$342
17Audi Q7$2,218$354
18Mercedes-Benz GLE350$2,238$374
19BMW X5$2,282$418
20Mercedes-Benz AMG GLC63$2,438$574
21Maserati Levante$2,522$658
22Tesla Model X$2,610$746
23Mercedes-Benz AMG GLE43$2,612$748
24Porsche Cayenne$2,724$860
25Mercedes-Benz AMG GLE63$2,736$872
26BMW X6$2,756$892

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.

2018 MKT Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 Lincoln MKT.

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.

2018 Lincoln MKT Insurance Rates by Trim Level
2018 Lincoln MKT Trim Level Annual Premium Cost Per Month
Premiere 2WD$1,836$153
Reserve AWD$1,892$158

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 2018 Lincoln MKT for different driver ages.

2018 Lincoln MKT Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,670$556
17$6,453$538
18$5,767$481
19$5,255$438
20$4,021$335
21$3,837$320
22$3,431$286
23$2,822$235
24$2,665$222
25$2,162$180
30$1,984$165
35$1,912$159
40$1,864$155
45$1,744$145
50$1,656$138
55$1,544$129
60$1,548$129
65$1,652$138
70$1,784$149
75$2,102$175
80$2,592$216

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 MKT trim levels.