2018 Lincoln MKX Car Insurance Calculator

Find out how different risk factors impact the cost of car insurance for a 2018 Lincoln MKX. Make changes to factors like annual miles driven, vehicle usage, and gender of the driver to see how your rate changes. Know immediately how much your choice changes rates and why.

The average estimated car insurance premium for a 2018 Lincoln MKX is $1,940 per year, or about $162 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

$1,940

Cost Per Month

$162

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 2018 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.

$1,940
Average Rate
Your Rate
$1,940

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 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 2018 Lincoln MKX is $1,940.

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 MKX Segment Comparison

The table below compares insurance rates for the 2018 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.

2018 Lincoln MKX Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$1,696-$244
2Cadillac XT5$1,758-$182
3Lexus RX 350L$1,818-$122
4Lincoln MKT$1,864-$76
5Lexus RX 350$1,890-$50
6Lincoln MKX$1,940--
7Jaguar E-Pace$1,956$16
8Acura MDX$1,978$38
9Audi SQ5$2,004$64
10Lexus RX 450$2,046$106
11Volvo V90$2,060$120
12Lexus GX 460$2,062$122
13Infiniti QX60$2,078$138
14Land Rover Discovery$2,090$150
15Lexus RX 450hL$2,120$180
2018 Midsize Luxury SUV Average$2,181$241
16Mercedes-Benz AMG GLC43$2,206$266
17Audi Q7$2,218$278
18Mercedes-Benz GLE350$2,238$298
19BMW X5$2,282$342
20Mercedes-Benz AMG GLC63$2,438$498
21Maserati Levante$2,522$582
22Tesla Model X$2,610$670
23Mercedes-Benz AMG GLE43$2,612$672
24Porsche Cayenne$2,724$784
25Mercedes-Benz AMG GLE63$2,736$796
26BMW X6$2,756$816

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 MKX Insurance Rates by Trim Level

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

2018 Lincoln MKX Insurance Rates by Trim Level
2018 Lincoln MKX Trim Level Annual Premium Cost Per Month
Premiere 2WD$1,836$153
Premiere AWD$1,892$158
Select 2WD$1,892$158
Reserve 2WD$1,946$162
Reserve AWD$1,946$162
Select AWD$1,946$162
Black Label 2WD$2,002$167
Black Label AWD$2,058$172

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 MKX for different driver ages.

2018 Lincoln MKX Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,923$577
17$6,706$559
18$6,007$501
19$5,469$456
20$4,187$349
21$3,997$333
22$3,575$298
23$2,937$245
24$2,777$231
25$2,250$188
30$2,068$172
35$1,992$166
40$1,940$162
45$1,814$151
50$1,720$143
55$1,604$134
60$1,610$134
65$1,716$143
70$1,852$154
75$2,182$182
80$2,688$224

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.