- Lincoln MKC car insurance costs an average of $1,462 per year, or around $122 per month for full coverage.
- When compared to other small luxury SUVs, the 2019 Lincoln MKC is one of the cheaper small luxury SUVs to insure, costing $163 less per year on average.
- The cheapest Lincoln MKC insurance is the base 2WD model at around $1,388 per year, or about $116 per month.
How much does Lincoln MKC insurance cost?
Lincoln MKC car insurance averages around $1,462 a year for full coverage, or around $122 each month. With the average small luxury SUV costing $1,625 a year to insure, the Lincoln MKC is around $163 cheaper every 12 months.
Average monthly payments to insure a 2019 Lincoln MKC for full coverage cost from $116 per month on the MKC 2WD model to $127 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.
In the chart above, auto insurance rates range from a discount rate for a 40-year-old driver of $1,216 to the high-risk average rate for a 30-year-old driver of $3,286 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 $5,210 while a 16-year-old female would pay about $4,586. At age 17, males would pay around $4,856 and females $4,322.
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 $1,462 per year to insure and the segment average is $1,625 annually, a difference of $163 per year.
When compared directly to top-selling vehicles in the small luxury SUV class, car insurance for a Lincoln MKC costs $10 more per year than the Lexus NX 300, $50 less than the Mercedes-Benz GLC300, $224 less than the BMW X3, and $50 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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,412 | -$50 |
| 2 | Volvo XC60 | $1,434 | -$28 |
| 3 | Lexus NX 300 | $1,452 | -$10 |
| 4 | Volvo XC40 | $1,458 | -$4 |
| 5 | Lincoln MKC | $1,462 | -- |
| 6 | BMW X1 | $1,468 | $6 |
| 7 | Lexus UX 200 | $1,472 | $10 |
| 8 | Cadillac XT4 | $1,510 | $48 |
| 9 | Mercedes-Benz GLC300 | $1,512 | $50 |
| 10 | Mercedes-Benz GLA250 | $1,518 | $56 |
| 11 | Infiniti QX30 | $1,522 | $60 |
| 12 | BMW X2 | $1,568 | $106 |
| 13 | Lexus NX 300H | $1,596 | $134 |
| 14 | Lexus UX 250h | $1,604 | $142 |
| 15 | Land Rover Evoque | $1,664 | $202 |
| 16 | Alfa Romeo Stelvio | $1,672 | $210 |
| 17 | BMW X3 | $1,686 | $224 |
| 18 | Audi Q5 | $1,710 | $248 |
| 19 | Mercedes-Benz GLC350E | $1,772 | $310 |
| 20 | BMW X4 | $1,800 | $338 |
| 21 | Mercedes-Benz GLA45 AMG | $1,826 | $364 |
| 22 | Jaguar F-Pace | $1,890 | $428 |
| 23 | Porsche Macan | $1,986 | $524 |
| 24 | Jaguar I-Pace | $2,000 | $538 |
Which Lincoln MKC has the cheapest car insurance?
The cheapest trim level of Lincoln MKC to insure is the base 2WD model at around $1,388 per year, or about $116 per month. The second cheapest model is the AWD at $1,434 per year, and the third cheapest model to insure is the Select 2WD at $1,434 per year.
The highest cost models of Lincoln MKC to insure are the Black Label AWD and the Black Label 2WD at $1,526 per year. Those two trim levels will cost an extra $138 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.
| Lincoln MKC Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| 2WD | $1,388 | $694 | $116 |
| AWD | $1,434 | $717 | $120 |
| Select 2WD | $1,434 | $717 | $120 |
| Select AWD | $1,434 | $717 | $120 |
| Reserve 2WD | $1,480 | $740 | $123 |
| Reserve AWD | $1,480 | $740 | $123 |
| Black Label 2WD | $1,526 | $763 | $127 |
| Black Label AWD | $1,526 | $763 | $127 |
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 $240 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 $1,222 for a 2015 Lincoln MKC to a maximum value of $1,462 for a 2019 model year.
| Model Year and Vehicle | Annual Rate | 6-month Rate | Monthly Rate |
|---|---|---|---|
| 2019 Lincoln MKC | $1,462 | $731 | $122 |
| 2018 Lincoln MKC | $1,412 | $706 | $118 |
| 2017 Lincoln MKC | $1,350 | $675 | $113 |
| 2016 Lincoln MKC | $1,350 | $675 | $113 |
| 2015 Lincoln MKC | $1,222 | $611 | $102 |
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 $806 annually, depending on where the physical damage deductibles were set and the age of the driver.
