2013 Lincoln MKX Car Insurance Calculator

Watch in real-time how changes to risk factors and vehicle options affect the cost of insurance for a 2013 Lincoln MKX. Set options like policy discounts, trim level, and driving violations and watch the impact each has on cost. See instantly if the change results in higher or lower rates.

The average estimated car insurance premium for a 2013 Lincoln MKX is $1,422 per year, or about $119 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

$1,422

Cost Per Month

$119

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 MKX 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 2013 Lincoln MKX.

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.

$1,422
Average Rate
Your Rate
$1,422

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 2013 Lincoln MKX 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 2013 Lincoln MKX is $1,422.

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.

2013 Lincoln MKX Segment Comparison

The table below compares insurance rates for the 2013 Lincoln MKX against all other models in the midsize luxury SUV segment. The Lincoln MKX 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 MKX, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lincoln MKX.

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

2013 Lincoln MKX Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lincoln MKX$1,422--
2Acura MDX$1,448$26
3Volvo XC70$1,466$44
4Land Rover LR2$1,596$174
5Lexus GX 460$1,606$184
6Lexus RX 350$1,646$224
7Mercedes-Benz GLK350$1,650$228
8Cadillac SRX$1,656$234
9Lincoln MKT$1,666$244
10Infiniti JX35$1,672$250
2013 Midsize Luxury SUV Average$1,744$322
11Mercedes-Benz ML550$1,752$330
12Mercedes-Benz ML350$1,786$364
13Infiniti FX50$1,806$384
14Lexus RX 450$1,808$386
15Mercedes-Benz GL350$1,844$422
16BMW X5$1,900$478
17Porsche Cayenne$1,962$540
18BMW X6$1,988$566
19Audi Q7$2,100$678
20Mercedes-Benz GL450$2,108$686

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.

2013 MKX Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Lincoln MKX.

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.

2013 Lincoln MKX Insurance Rates by Trim Level
2013 Lincoln MKX Trim Level Annual Premium Cost Per Month
2WD$1,400$117
AWD$1,440$120

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 2013 Lincoln MKX for different driver ages.

2013 Lincoln MKX Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,113$426
17$4,904$409
18$4,307$359
19$3,961$330
20$3,021$252
21$2,882$240
22$2,573$214
23$2,151$179
24$2,021$168
25$1,640$137
30$1,506$126
35$1,464$122
40$1,422$119
45$1,338$112
50$1,274$106
55$1,188$99
60$1,190$99
65$1,262$105
70$1,374$115
75$1,636$136
80$2,006$167

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 MKX trim levels.