Lincoln MKX Insurance Costs and Comparisons: 2025 Edition

How much does Lincoln MKX car insurance cost? We compared average rates from the base MKX Premiere 2WD up to the well-appointed Black Label AWD model to find out how MKX insurance prices compare to all other midsize luxury SUVs.

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  • Lincoln MKX insurance costs an average of $1,940 per year, or around $162 per month, for full coverage.
  • For the 2018 model year, the cheapest Lincoln MKX insurance is on the Premiere 2WD trim level, costing an average of $1,836 per year. The most expensive trim is the Black Label AWD at $2,058 per year.
  • Ranked sixth out of 26 midsize luxury SUVs, insurance cost for the Lincoln MKX costs $241 less per year than the average cost for the segment.

How much does Lincoln MKX car insurance cost?

Car insurance for a Lincoln MKX costs an average of $1,940 a year for full coverage. Monthly insurance cost for a MKX ranges from $153 to $172, depending on the trim level.

If total policy price is broken down by type of coverage, liability/medical (or PIP) coverage will cost approximately $590 a year, comprehensive costs an estimated $468, and the remaining collision coverage is an estimated $882.

The cost summary chart below illustrates average 2018 Lincoln MKX car insurance rates using a variety of different risk scenarios.

Average 2018 Lincoln MKX insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2018 Lincoln MKX insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2018 model year Lincoln MKX 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 MKX trim levels.

2018 Lincoln MKX Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,456$371
Safe Driver Age 20$3,906$326
At-fault Accidents Age 40$2,744$229
Low Deductibles Age 40$2,536$211
Safe Driver Age 30$2,068$172
Safe Driver Age 40$1,940$162
Safe Driver Age 50$1,720$143
High Deductibles Age 40$1,634$136
Discount Rate Age 40$1,612$134
Safe Driver Age 60$1,610$134

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 2018 Lincoln MKX trim levels. Updated June 27, 2025

The table below displays average car insurance rates for a 2018 Lincoln MKX, including a monthly budget figure, for each available model package and trim level.

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. Updated June 27, 2025

Insurance cost by trim level for a 2018 Lincoln MKX ranging from the Premiere 2WD model at $1,836 per year to the Black Label AWD model at $2,058
Insurance cost by trim level for a 2018 Lincoln MKX ranging from the Premiere 2WD model at $1,836 per year to the Black Label AWD model at $2,058

The following table illustrates average Lincoln MKX full coverage insurance rates for the 2013 to the 2018 model years.

Lincoln MKX Insurance Cost for 2013-2018 Models
Model Year and Vehicle Annual Premium Cost Per Month
2018 Lincoln MKX$1,940$162
2017 Lincoln MKX$1,860$155
2016 Lincoln MKX$1,556$130
2015 Lincoln MKX$1,554$130
2014 Lincoln MKX$1,334$111
2013 Lincoln MKX$1,422$119

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 MKX trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2013 to 2018 Lincoln MKX models
Average annual premium and cost per month to insure 2013 to 2018 Lincoln MKX models

How do Lincoln MKX insurance prices rank?

The Lincoln MKX ranks sixth out of 26 total comparison vehicles in the 2018 midsize luxury SUV category for most affordable auto insurance rates. The MKX costs an average of $1,940 per year to insure and the class average rate is $2,181 annually, a difference of $241 per year.

When prices are compared to other midsize luxury SUVs, insurance for a Lincoln MKX costs $50 more per year than the Lexus RX 350, $342 less than the BMW X5, and $38 less than the Acura MDX.

The next chart shows how average insurance cost for a Lincoln MKX compares to the top 10 most popular midsize luxury SUVs in the United States like the Cadillac XT5, Lexus GX 460, and the Infiniti QX60. A table with more comprehensive data is also included following the chart that ranks average car insurance prices for every vehicle in the midsize luxury SUV segment.

Average 2018 Lincoln MKX car insurance premium compared to other midsize luxury SUV models.
Figure 2: Average 2018 Lincoln MKX car insurance premium compared to other midsize luxury SUV models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2018 model year Lincoln MKX. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Lincoln MKX trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Lincoln MKX Insurance Cost Compared to All Midsize Luxury SUVs
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
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 vehicle from the 2018 model year. Updated June 27, 2025