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Compare quotes for Lincoln Mkc car insurance cost, 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Lincoln Mkc owners is $4,439 a year. However, exact rates vary from model to model: for instance, the Navigator L Reserve costs $254 more per year to insure than the Town Car Signature Long Wheelbase

Lincoln Mkc car insurance cost

One of the primary determining factors for your Lincoln Mkc insurance rate is the age of your vehicle. Here's how much it costs to insure your Mkc by car year:
Model year
Average Cost
Annual Savings with Jerry
If you drive a Lincoln Mkc , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Lincoln Mkc

If you drive a Lincoln, you probably put a high value on the things Lincoln does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Lincoln Mkc drivers.
Insurance company
Average Cost
Annual Savings with Jerry
National General$3,827$1,533
Commonwealth Insurance$2,771$699
State Auto$1,200$453

Compare car insurance quotes for Lincoln Mkc

But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Lincoln insurance in the app!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
June 15, 202244509OHYoungstownSadie S.24Commonwealth Insurance$2,724$2,286
March 20, 202235661ALMuscle ShoalsIva K.54State Auto$1,200$747
January 30, 202219014PAAstonDennis R.44Clearcover$4,632$2,423
December 16, 202114611NYRochesterSue C.32Safeco$3,780$1,896
April 3, 202130083GAStone MountainJohn M.22Allstate$6,096$4,675

Best car insurance companies for Lincoln Mkc drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,203$930
Racing/Drag Racing$7,200$2,499
Failure to Obey Traffic Sign$4,632$1,932
Speeding under 15$5,152$1,748

How much does Lincoln Mkc insurance go up after a DUI?

If you get a DUI while driving your Mkc, you can expect your premium to increase by an average of 16%.

How much does Lincoln Mkc insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your Mkc, your insurance premium could increase by an average of 50%

Best Car Insurance for Lincoln Mkc by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $2 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Lincoln Mkc by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Lincoln Mkc drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
March 20, 2022Lincoln Mkc$100/mo.$62/mo.35661ALHallie B.54State Auto
December 16, 2021Lincoln Mkc$315/mo.$158/mo.14611NYMayme H.32Safeco
June 15, 2022Lincoln Mkc$227/mo.$190/mo.44509OHLura W.24Commonwealth Insurance
January 30, 2022Lincoln Mkc$386/mo.$202/mo.19014PADerek H.44Clearcover
April 3, 2021Lincoln Mkc$508/mo.$390/mo.30083GAElijah L.22Allstate

Driving a Lincoln Mkc

When it comes to near-luxury compact SUVs, there are few better options than the Lincoln MKC. With a 6/10 rating from Car and Driver and an impressive and customizable infotainment system, the MKC is well worth its base MSRP of $34,990.The MKC brings together Lincoln’s award-winning safety and style at an approachable MSRP. Featuring an 8-inch infotainment touchscreen display, the MKC offers access to Lincoln’s Sync 3 software, as well as Apple CarPlay, Android Auto, Wi-Fi connectivity, and a 10-speaker audio system—all as standard features. What the MKC offers in terms of style and connectivity, it matches in performance. At its base trim, the MKC boasts a 245-horsepower 2.0-liter I-4 engine that zips from 0 to 60 miles per hour in as little as 6.6 seconds.With a vehicle this special, you’ll need to make sure you have the right car insurance coverage to protect your investment.
If you own a Lincoln Mkc , here’s what you need to know about your vehicle:
  • The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
  • Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
  • If you bought your Lincoln Mkc new, it’s worth considering new car replacement insurance to protect your investment.
By deciding to finance the base Standard MKC instead of the MKC Black Label, you’ll be saving yourself upwards of $15,000 up front. Plus, those savings will also be reflected in the cost of your insurance premium. So if you can survive with the 245 horsepower 2.0-liter engine over the 285-horsepower 2.3-liter engine, you should opt for the lower trim level.
Key Takeaway: The more your Lincoln Mkc is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Lincoln Mkc?

The average annual cost to insure a model is $4,439. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

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