Best Lincoln MKX Car Insurance in 2025 (Check Out the Top 10 Companies)

Geico is the leading choice overall for the best Lincoln MKX car insurance, while Erie and USAA are also top contenders with their competitive insurance options.

If you’re interested in understanding more about insurance rates for the Lincoln MKX, this guide will provide valuable insights to assist you in finding the best policy. It covers various aspects of insurance coverage, including cost factors, available discounts, and comparisons between different providers.

Our Top 10 Company Picks: Best Lincoln MKX Car Insurance

You can start comparing quotes for Lincoln MKX car insurance rates from some of the best car insurance companies by using our free online tool now.

#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: Geico ranks #1 for offering some of the most competitive rates, making it a top choice for the best Lincoln MKX car insurance. Lincoln MKX owners benefit from monthly premiums starting at $120, providing substantial savings. This is especially attractive for Lincoln MKX drivers who prioritize affordability without compromising on coverage.
• Strong Online Tools: With an A++ A.M. Best rating, Geico is not only affordable but also reliable, providing Lincoln MKX enthusiasts with robust online tools. The user-friendly mobile app and website allow Lincoln MKX drivers to easily manage policies, file claims, and access digital ID cards, ensuring convenience and peace of mind.
• Multi-Vehicle Discount: Geico offers up to a 25% multi-policy discount, making it one of the best Lincoln MKX car insurance options for those with multiple vehicles. Lincoln MKX owners who insure their MKX alongside other cars can maximize savings, which is a significant benefit for families or collectors. Read more through our Geico car insurance discounts.

Cons

• Limited Local Agents: While Geico excels online, Lincoln MKX owners who prefer in-person interactions might find the limited local agent network a drawback. This can be inconvenient for Lincoln MKX drivers seeking personalized service, making it a less ideal option for those who value face-to-face consultations for the best Lincoln MKX car insurance.
• Fewer Customization Options: Compared to other insurers, Geico offers fewer policy customization options, which may not fully meet the unique needs of Lincoln MKX enthusiasts. Lincoln MKX drivers looking for more tailored coverage options may need to explore other providers to find the best Lincoln MKX car insurance.

#2 – Erie: Best for Customer Service

Pros

• Exceptional Customer Service: Ranked #2, Erie is renowned for its top-tier customer service, making it a leading choice for the best Lincoln MKX car insurance. Lincoln MKX owners will appreciate the personalized attention and dedicated support that ensures their insurance needs are met with care.
• Discounts for Safe Drivers: Erie provides a 20% discount for safe drivers, making it one of the best Lincoln MKX car insurance options for Lincoln MKX enthusiasts with a clean driving record. This discount helps keep premiums low while rewarding good driving habits. Lear more through our how do you get an Erie car insurance quote online?
• High Customer Satisfaction: Erie consistently receives high marks for customer satisfaction, which is particularly reassuring for Lincoln MKX drivers. Lincoln MKX owners looking for a dependable insurer with strong customer support will find Erie a compelling choice for the best Lincoln MKX car insurance.

Cons

• Regional Availability: Erie’s availability is limited to certain regions, which may be a significant drawback for Lincoln MKX drivers outside its coverage area. For Lincoln MKX owners seeking the best Lincoln MKX car insurance, this limitation could mean missing out on Erie’s excellent customer service.
• Slower Online Services: While Erie excels in customer service, its digital tools and mobile app are not as advanced as some competitors. Lincoln MKX enthusiasts who prefer managing their policies online may find this less convenient, making it a less ideal option for tech-savvy Lincoln MKX drivers.

#3 – USAA: Best for Military Service

Pros

• Exclusive Military Discounts: USAA is ranked #3 for offering military discounts, making it the best Lincoln MKX car insurance for military members. Lincoln MKX owners with a military background benefit from special savings, ensuring comprehensive coverage at an affordable rate.
• Comprehensive Coverage: USAA provides robust coverage options, including roadside assistance and rental car reimbursement. Lincoln MKX enthusiasts looking for the best Lincoln MKX car insurance will appreciate the extensive protection that USAA offers, ensuring they are covered in various situations.
• Strong Financial Stability: With an A++ rating, USAA offers Lincoln MKX drivers peace of mind regarding the company’s financial health. This stability is crucial for Lincoln MKX owners who want assurance that their insurance provider will handle claims efficiently and reliably. Uncover more about our “USAA Car Insurance Review” by reading further.

Cons

• Restricted Eligibility: USAA is only available to military members, veterans, and their families, which limits its accessibility for Lincoln MKX owners outside this group. Lincoln MKX enthusiasts seeking the best Lincoln MKX car insurance might find this exclusivity a significant barrier.
• Limited Local Offices: USAA primarily operates online and by phone, which may not be ideal for Lincoln MKX drivers who prefer in-person interactions. Lincoln MKX owners looking for a more hands-on approach may need to consider other providers for the best Lincoln MKX car insurance.

#4 – State Farm: Best for Young Drivers

Pros

• Young Driver Discounts: State Farm is ranked #4 and offers significant discounts for young Lincoln MKX drivers, making it one of the best Lincoln MKX car insurance options for this demographic. Discounts for good students and safe driving habits make State Farm particularly attractive for young Lincoln MKX enthusiasts.
• Drive Safe & Save Program:  Discover our State Farm car insurance review to see how Lincoln MKX drivers can take advantage of State Farm’s Drive Safe & Save program, which offers discounts based on driving behavior. This program rewards safe driving, making it an excellent option for Lincoln MKX enthusiasts seeking lower premiums and the best Lincoln MKX car insurance.
• Comprehensive Coverage Options: State Farm provides a variety of coverage options, including rental car reimbursement and emergency roadside assistance. These offerings are tailored to meet the needs of Lincoln MKX drivers, making it a top choice for those seeking the best Lincoln MKX car insurance.

Cons

• Higher Premiums for High-Risk Drivers: Lincoln MKX drivers with a poor driving history may find State Farm’s premiums higher than those of competitors. This could make it less appealing for Lincoln MKX owners seeking affordable rates and the best Lincoln MKX car insurance.
• Limited Digital Tools: While State Farm offers a mobile app, it lacks some advanced features available from other insurers. This may be a drawback for tech-savvy Lincoln MKX drivers who prefer managing their insurance online, potentially making it less ideal for the best Lincoln MKX car insurance.

#5 – Nationwide: Best for Flexible Policies

Pros

• Customizable Policies: Ranked #5, Nationwide allows Lincoln MKX owners to tailor their coverage with flexible policy options, making it a leading choice for the best Lincoln MKX car insurance. This flexibility ensures that specific needs are met, catering to Lincoln MKX enthusiasts seeking personalized insurance solutions.
• Vanishing Deductible: Lincoln MKX drivers can benefit from Nationwide’s vanishing deductible program, where deductibles decrease for every year of safe driving. This feature enhances the value of Nationwide as one of the best Lincoln MKX car insurance providers, rewarding safe driving behavior.
• Strong Financial Ratings: According to our information on Nationwide car insurance discounts, Nationwide’s A+ rating offers Lincoln MKX enthusiasts confidence in the company’s financial stability. This is particularly important for Lincoln MKX owners who want assurance that their claims will be handled efficiently, making it a top pick for the best Lincoln MKX car insurance.

Cons

• Average Customer Service: While Nationwide provides adequate customer service, it does not stand out compared to other top providers. Lincoln MKX drivers seeking exceptional service may find this a limitation, potentially making it a less optimal choice for the best Lincoln MKX car insurance.
• Potentially Higher Rates: Some Lincoln MKX owners may find Nationwide’s rates slightly higher than those of competitors, especially if they don’t qualify for certain discounts. This could make it less appealing for Lincoln MKX enthusiasts looking for the most cost-effective option for the best Lincoln MKX car insurance.

#6 – American Family: Best for Family Bundled

#7 – Progressive: Best for Customizable Rates

Pros

• Name Your Price Tool: Progressive, ranked #7, offers a unique Name Your Price tool, allowing Lincoln MKX drivers to tailor their premiums to fit their budget. This tool makes Progressive one of the best Lincoln MKX car insurance options, especially for Lincoln MKX owners who prioritize cost control. Get a better grasp by checking out our article titled “Progressive Car Insurance Review.”
• Robust Online Tools: Progressive’s online tools and mobile app are among the best in the industry, providing Lincoln MKX drivers with easy access to policy management, claims filing, and quote comparisons. This convenience is particularly valuable for tech-savvy Lincoln MKX enthusiasts seeking the best Lincoln MKX car insurance.
• A+ A.M. Best Rating: With an A+ rating, Progressive ensures that Lincoln MKX owners can trust in the company’s financial stability. This rating is vital for Lincoln MKX drivers who want assurance that their claims will be handled promptly, making Progressive a reliable choice for the best Lincoln MKX car insurance.

Cons

• Higher Rates for High-Risk Drivers: Lincoln MKX drivers with a less-than-perfect driving record may find Progressive’s rates higher than expected. This could be a disadvantage for Lincoln MKX owners seeking the most affordable premiums, making it less ideal for the best Lincoln MKX car insurance.
• Mixed Customer Service Reviews: While Progressive offers excellent digital tools, its customer service reviews are mixed. Some Lincoln MKX enthusiasts may find this lack of consistency concerning, especially when seeking reliable support for the best Lincoln MKX car insurance.

#8 – Farmers: Best for Essential Workers

Pros

• Exclusive Discounts for Essential Workers: Farmers, ranked #8, offers special discounts for essential workers, making it an appealing option for Lincoln MKX owners in these professions. This focus on essential workers positions Farmers as one of the best Lincoln MKX car insurance providers for Lincoln MKX drivers who qualify.
• Extensive Coverage Options: Farmers provides a wide range of coverage options, including comprehensive, collision, and customized plans. Lincoln MKX enthusiasts seeking tailored protection for their vehicles will find Farmers’ offerings particularly attractive for the best Lincoln MKX car insurance. Learn more about our “Farmers Car Insurance Review” for a broader perspective.
• Strong Agent Network: Farmers has a robust network of local agents, providing Lincoln MKX owners with personalized service and support. This hands-on approach is ideal for Lincoln MKX drivers who prefer face-to-face interactions when managing their insurance, making Farmers a strong choice for the best Lincoln MKX car insurance.

Cons

• Higher Premiums: Farmers’ premiums tend to be higher than those of some competitors, which could be a drawback for Lincoln MKX drivers on a budget. This may make it less appealing for Lincoln MKX owners seeking the most affordable option for the best Lincoln MKX car insurance.
• Less Advanced Digital Tools: While Farmers offers an app and online services, they are not as advanced as those provided by other insurers. Lincoln MKX enthusiasts who prefer managing their policies online may find this a limitation, making it less ideal for the best Lincoln MKX car insurance.

#9 – Auto-Owners: Best for High-Customer Satisfaction

Pros

• Exceptional Customer Satisfaction: Ranked #9, Auto-Owners is renowned for its high customer satisfaction, making it a top choice for the best Lincoln MKX car insurance. Lincoln MKX owners will appreciate the company’s commitment to customer service, ensuring that their insurance needs are met with care and efficiency.
• Robust Coverage Options: Auto-Owners offers a wide range of coverage options, including rental car reimbursement and accident forgiveness. These features are particularly beneficial for Lincoln MKX drivers seeking comprehensive protection, making Auto-Owners a strong contender for the best Lincoln MKX car insurance.
• A++ Financial Rating: Auto-Owners holds an A++ rating from A.M. Best, indicating exceptional financial stability. This is crucial for Lincoln MKX drivers who want confidence that their claims will be paid promptly and without hassle, making Auto-Owners a reliable choice for the best Lincoln MKX car insurance. Try the 4 easy steps on how to get an Auto-Owner quote online.

Cons

• Limited Online Services: Auto-Owners primarily operates through local agents, which may not be ideal for Lincoln MKX drivers who prefer managing their insurance online. This could be a drawback for tech-savvy Lincoln MKX enthusiasts, making it less suitable for the best Lincoln MKX car insurance.
• Availability: Auto-Owners is not available in all states, which could be a significant limitation for Lincoln MKX owners outside its coverage area. For Lincoln MKX enthusiasts seeking the best Lincoln MKX car insurance, this lack of availability may require exploring other options.

#10 – Liberty Mutual: Best for Personalized Coverage

Pros

• Tailored Coverage Options: Ranked #10, Liberty Mutual offers highly customizable policies, making it one of the best Lincoln MKX car insurance options for those seeking personalized coverage. Lincoln MKX owners can choose from a variety of add-ons, such as new car replacement and accident forgiveness, ensuring their policy meets their specific needs.
• Strong Financial Stability: With an A rating from A.M. Best, Liberty Mutual provides Lincoln MKX drivers with confidence in the company’s financial health. This is particularly important for Lincoln MKX enthusiasts who want assurance that their claims will be handled efficiently and without hassle, making Liberty Mutual a reliable choice for the best Lincoln MKX car insurance.
• Multi-Policy Discounts: Liberty Mutual offers a 20% discount for Lincoln MKX owners who bundle their auto insurance with other policies, such as home insurance. This bundling option is especially beneficial for Lincoln MKX enthusiasts looking to save on their overall insurance costs, making Liberty Mutual a top pick for the best Lincoln MKX car insurance.

Cons

• Higher Premiums: Some Lincoln MKX drivers may find Liberty Mutual’s premiums higher than those of competitors, particularly if they don’t qualify for specific discounts. This could make it less appealing for Lincoln MKX owners seeking the most affordable rates for the best Lincoln MKX car insurance. Find out more by reading our article titled “Liberty Mutual Car Insurance Review.”
• Mixed Customer Service Reviews: While Liberty Mutual offers strong coverage options, its customer service has received mixed reviews. Lincoln MKX enthusiasts who prioritize exceptional service may find this inconsistency a concern, potentially making it less ideal for the best Lincoln MKX car insurance.

Lincoln MKX Insurance Cost

When assessing the insurance costs for the Lincoln MKX, it’s important to note that the average monthly premium is $125. This places the Lincoln MKX in a moderate insurance cost bracket compared to similar crossover vehicles.

Lincoln MKX Car Insurance Monthly Rates by Coverage Level & Provider

Comparing insurance rates for the Lincoln MKX involves several factors. In summary, while the Lincoln MKX’s insurance rates are relatively moderate, there are multiple ways to potentially lower costs.

By comparing quotes, exploring discounts, and adjusting policy features, Lincoln MKX owners can find opportunities to optimize their insurance expenses.

Learn if Lincoln MKXs is Expensive to Insure

When comparing insurance costs for the Lincoln MKX to other crossovers like the Mazda CX-3, Cadillac XT4, and Infiniti QX30, the Lincoln MKX falls in the middle range. The Lincoln MKX’s insurance rates are competitive, falling between the more affordable options like the Ford EcoSport and the pricier ones like the BMW X6.

To find the most affordable insurance rates for your Lincoln MKX, consider comparing quotes from multiple providers online and exploring discounts or policy adjustments that might be available.

However, there are a few things you can do to find the cheapest Lincoln insurance rates online just enter your ZIP code now to start.

Ways to Save on Lincoln MKX Insurance

To save money on Lincoln MKX insurance, drivers can use several effective strategies. Understanding your car insurance policy is crucial; for instance, inquiring about welcome discounts can help you take advantage of reduced rates offered to new customers.

Additionally, when comparing insurance quotes and policies, ensure that you’re making apples-to-apples comparisons by evaluating similar coverage levels and deductibles across different providers.

Another approach is to purchase your Lincoln MKX with cash or secure a shorter-term loan, as this can sometimes lower your insurance premiums. For those driving an older Lincoln MKX, opting for a plan with only liability coverage can significantly reduce costs.

Finally, improving your credit score can lead to better insurance rates, as many insurers consider credit history when determining premiums.

Lincoln MKX Finance and Insurance Cost

When financing a Lincoln MKX, it’s important to understand that lenders typically mandate higher levels of coverage to protect their investment.

This often includes comprehensive coverage, which covers damage to your vehicle from non-collision incidents such as theft, vandalism, or natural disasters. To ensure you’re getting the best possible deal, it’s crucial to compare car insurance rates from top providers.

Compare Free Lincoln MKX Insurance Quotes Online

Start comparing Lincoln MKX car insurance quotes for free using our convenient online comparison tool. If you’ve just purchased a Lincoln MKX, new or pre-owned, you might be wondering how much it will cost to insure.

Since the Lincoln MKX is costly to both purchase and insure, it’s also a good time to ask, “how do you lower your car insurance deductibles?” to potentially reduce your overall insurance costs.

The Lincoln MKX is considered a sporty, luxurious vehicle that comes with safety features as well as new advanced technology that can provide extra discounts on car insurance.

Use our free quote tool to find rates on insurance for your Lincoln MKX. Just enter your ZIP code today.

Discount Qualification of Certified Pre-owned Lincoln MKX Cars

Getting a certified pre-owned Lincoln MKX car does not automatically qualify you for a reduced car insurance rate. Your car insurance may be lower if your car is pre-owned because it may be an older make or model car.

Since the Lincoln MKX is a brand new car it is going to be hard to find one that is pre-owned.

However, many people lease brand new cars and then turn them in for a different car when their lease is over. Depending on how long someone leases the Lincoln MKS, you may be able to buy one that has been pre-driven.

Pre-owned certified cars usually come with any remaining warranty. You may also be able to buy an extended warranty.

Multi-Policy Discount Qualification for my New Lincoln MKX

To maximize savings on your new Lincoln MKX insurance, consider bundling it with other policies like home or renters insurance to qualify for multi-policy discounts.

This approach can significantly lower your overall insurance costs while providing comprehensive coverage for both your new vehicle and existing policies.

You can lower your car insurance for your new Lincoln MKX by adding it to your policy as a second vehicle.

The new car will actually have its own policy, but your car insurance company will extend to you a multi-car discount and reduce your rate for both your new Lincoln MKX and your older car.

Enter your ZIP code now to get instant car insurance quotes for your new Lincoln MKX.