Insuring a Lincoln MKC in 2025: Ultimate Survival Guide

How much does Lincoln MKC insurance cost? We ran rates for all MKC trims from 2015 through 2019 to see how rates compared to other small luxury SUVs.

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How much does Lincoln MKC insurance cost?

Lincoln MKC car insurance averages around $1,852 a year for full coverage, or around $154 each month. With the average small luxury SUV costing $2,059 a year to insure, the Lincoln MKC is around $207 cheaper every 12 months.

Average monthly payments to insure a 2019 Lincoln MKC for full coverage cost from $146 per month on the MKC 2WD model to $161 per month on the Black Label AWD model.

The chart below shows average car insurance cost for a 2019 Lincoln MKC using different policy scenarios.

Average 2019 Lincoln MKC insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2019 Lincoln MKC insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2019 model year Lincoln MKC with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lincoln MKC trim levels.

2019 Lincoln MKC Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,206$351
Safe Driver Age 20$3,680$307
At-fault Accidents Age 40$2,604$217
Low Deductibles Age 40$2,400$200
Safe Driver Age 30$1,970$164
Safe Driver Age 40$1,852$154
Safe Driver Age 50$1,644$137
High Deductibles Age 40$1,566$131
Discount Rate Age 40$1,540$128
Safe Driver Age 60$1,538$128

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2019 Lincoln MKC trim levels. Updated June 26, 2025

In the chart above, auto insurance rates range from a discount rate for a 40-year-old driver of $1,540 to the high-risk average rate for a 30-year-old driver of $4,206 per year.

Not shown in the chart are MKC insurance rates for teenage drivers.  A 16-year-old male driver with a clean driving record would pay around $6,521 while a 16-year-old female would pay about $6,090. At age 17, males would pay around $6,299 and females $6,050.

Is Lincoln MKC insurance expensive?

The Lincoln MKC ranks fifth out of 24 total vehicles in the 2019 compact luxury SUV segment. The MKC costs an average of $1,852 per year to insure and the segment average is $2,059 annually, a difference of $207 per year.

When compared directly to top-selling vehicles in the small luxury SUV class, car insurance for a Lincoln MKC costs $8 more per year than the Lexus NX 300, $70 less than the Mercedes-Benz GLC300, $286 less than the BMW X3, and $66 more than the Acura RDX.

The table below shows how car insurance rates for a Lincoln MKC compare to the rest of the 2019 model year segment.

Insurance Cost Comparison: Lincoln MKC vs Small Luxury SUVs
Rank Make and Model Annual Premium Difference
1Acura RDX$1,786-$66
2Volvo XC60$1,820-$32
3Lexus NX 300$1,844-$8
4Volvo XC40$1,846-$6
5Lincoln MKC$1,852--
6Lexus UX 200$1,864$12
7BMW X1$1,866$14
8Cadillac XT4$1,912$60
9Mercedes-Benz GLA250$1,920$68
10Mercedes-Benz GLC300$1,922$70
11Infiniti QX30$1,928$76
12BMW X2$1,984$132
13Lexus UX 250h$2,012$160
14Lexus NX 300H$2,022$170
15Land Rover Evoque$2,112$260
16Alfa Romeo Stelvio$2,128$276
17BMW X3$2,138$286
18Audi Q5$2,170$318
19Mercedes-Benz GLC350E$2,244$392
20BMW X4$2,286$434
21Mercedes-Benz GLA45 AMG$2,312$460
22Jaguar F-Pace$2,394$542
23Porsche Macan$2,520$668
24Jaguar I-Pace$2,538$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 vehicle from the 2019 model year. Updated June 27, 2025

At $1,852 per year, insurance cost for a 2019 Lincoln MKC ranks fifth out of 24 models in the small luxury SUV segment
At $1,852 per year, insurance cost for a 2019 Lincoln MKC ranks fifth out of 24 models in the small luxury SUV segment

Which Lincoln MKC has the cheapest car insurance?

The cheapest trim level of Lincoln MKC to insure is the base 2WD model at around $1,754 per year, or about $146 per month. The second cheapest model is the AWD at $1,814 per year, and the third cheapest model to insure is the Select 2WD at $1,814 per year.

The highest cost models of Lincoln MKC to insure are the Black Label AWD and the Black Label 2WD at $1,934 per year. Those two trim levels will cost an extra $180 per year to insure over the lowest cost 2WD model.

The rate table below shows average MKC car insurance rates, including a monthly budget figure, for each Lincoln MKC package and trim level.

2019 Lincoln MKC Insurance Rates by Trim Level
2019 Lincoln MKC Trim Level Annual Premium Cost Per Month
2WD$1,754$146
AWD$1,814$151
Select 2WD$1,814$151
Select AWD$1,814$151
Reserve 2WD$1,874$156
Reserve AWD$1,874$156
Black Label 2WD$1,934$161
Black Label AWD$1,934$161

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. Updated June 27, 2025

Insurance cost by trim level for a 2019 Lincoln MKC ranging from the 2WD model at $1,754 per year to the Black Label AWD model at $1,934
Insurance cost by trim level for a 2019 Lincoln MKC ranging from the 2WD model at $1,754 per year to the Black Label AWD model at $1,934

Does an older MKC cost less to insure?

When insurance cost for a 2019 MKC is compared to a 2015 model, the older MKC costs $368 less per year on average.

The data below illustrates average Lincoln MKC car insurance rates for the 2015 to 2019 model years. Annual insurance rates range from a minimum value of $1,484 for a 2015 Lincoln MKC to a maximum value of $1,852 for a 2019 model year.

Lincoln MKC Insurance Cost for 2015-2019 Models
Model Year and Vehicle Annual Premium Cost Per Month
2019 Lincoln MKC$1,852$154
2018 Lincoln MKC$1,756$146
2017 Lincoln MKC$1,680$140
2016 Lincoln MKC$1,640$137
2015 Lincoln MKC$1,484$124

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 Lincoln MKC trim levels for each model year. Updated June 26, 2025

Average annual premium and cost per month to insure 2015 to 2019 Lincoln MKC models
Average annual premium and cost per month to insure 2015 to 2019 Lincoln MKC models

Ultimately, as any vehicle gets older, it’s a smart financial move to drop coverage for physical damage claims from the insurance policy. As a vehicle loses value over time, the extra cost of comprehensive and collision coverage exceeds the benefit of having full coverage.

Eliminating physical damage coverage on an older Lincoln MKC could save in the ballpark of $1,006 annually, depending on where the physical damage deductibles were set and the age of the driver.