2016 Lincoln MKX Car Insurance Calculator

Learn visually how different driver, vehicle, and coverage options affect the cost of insurance for a 2016 Lincoln MKX. Adjust rate factors like coverage deductibles, age of the driver, and policy discounts to see how insurance cost is affected. Immediately see how much your choice changes rates and why.

The average estimated car insurance premium for a 2016 Lincoln MKX is $1,556 per year, or about $130 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

$1,556

Cost Per Month

$130

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 2016 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.

$1,556
Average Rate
Your Rate
$1,556

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 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 2016 Lincoln MKX is $1,556.

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 MKX Segment Comparison

The table below compares insurance rates for the 2016 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.

2016 Lincoln MKX Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Infiniti QX50$1,500-$56
2Lincoln MKX$1,556--
3Volvo V60$1,698$142
4Lexus RX 350$1,712$156
5Volvo XC70$1,730$174
6Cadillac SRX$1,798$242
7Acura MDX$1,860$304
8Lincoln MKT$1,884$328
9Infiniti QX60$1,900$344
10Lexus GX 460$1,932$376
11Lexus RX 450$1,946$390
12Mercedes-Benz GLE350$1,974$418
13Land Rover Discovery$1,978$422
2016 Midsize Luxury SUV Average$2,005$449
14Audi SQ5$2,040$484
15Mercedes-Benz GL350$2,056$500
16Mercedes-Benz GLE400$2,120$564
17Tesla Model X$2,208$652
18Mercedes-Benz GLE300$2,212$656
19Mercedes-Benz GL450$2,250$694
20BMW X5$2,264$708
21Mercedes-Benz GLE450$2,282$726
22Mercedes-Benz AMG GLE63$2,358$802
23Porsche Cayenne$2,402$846
24BMW X6$2,460$904

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 MKX Insurance Rates by Trim Level

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

2016 Lincoln MKX Insurance Rates by Trim Level
2016 Lincoln MKX Trim Level Annual Premium Cost Per Month
Premiere 2WD$1,474$123
Premiere AWD$1,520$127
Select 2WD$1,520$127
Select AWD$1,520$127
Reserve 2WD$1,570$131
Reserve AWD$1,570$131
Black Label 2WD$1,618$135
Black Label AWD$1,666$139

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 MKX for different driver ages.

2016 Lincoln MKX Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,418$452
17$5,276$440
18$4,790$399
19$4,340$362
20$3,339$278
21$3,186$266
22$2,865$239
23$2,335$195
24$2,218$185
25$1,806$151
30$1,666$139
35$1,598$133
40$1,556$130
45$1,454$121
50$1,376$115
55$1,284$107
60$1,288$107
65$1,374$115
70$1,468$122
75$1,704$142
80$2,092$174

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.