BMW X1 vs Lincoln MKC Insurance Cost

The Lincoln MKC is cheaper to insure by about $100 a year for full coverage by our estimate ($1,560 vs. $1,460), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	BMW X1	Lincoln MKC	Difference
State minimum	$580	$590	−$10
Standard (100/300/100)	$840	$855	−$15
Full coverage	$1,560	$1,460	+$100

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = X1 minus MKC.

Why one costs more to insure

Factor	BMW X1	Lincoln MKC
Segment	Luxury SUV	Luxury SUV
Powertrains	Gasoline	Gasoline
HLDI collision (100 = avg)	101	—
HLDI comprehensive	89	—
HLDI property damage liability	88	—
HLDI bodily injury liability	99	—
NHTSA overall rating	4★	4★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	4

X1 vs MKC insurance by state

State	X1	MKC	Difference
Alabama	$1,370	$1,265	+$105
Alaska	$1,370	$1,280	+$90
Arizona	$1,630	$1,535	+$95
Arkansas	$1,390	$1,280	+$110
California	$1,545	$1,430	+$115
Colorado	$1,775	$1,655	+$120
Connecticut	$1,650	$1,560	+$90
Delaware	$1,725	$1,645	+$80
District of Columbia	$1,975	$1,840	+$135
Florida	$2,195	$2,105	+$90
Georgia	$1,915	$1,820	+$95
Hawaii	$1,085	$1,005	+$80
Idaho	$1,060	$990	+$70
Illinois	$1,360	$1,265	+$95
Indiana	$1,115	$1,035	+$80
Iowa	$1,070	$985	+$85
Kansas	$1,255	$1,160	+$95
Kentucky	$1,310	$1,230	+$80
Louisiana	$2,155	$2,025	+$130
Maine	$1,000	$925	+$75
Maryland	$1,750	$1,645	+$105
Massachusetts	$1,540	$1,435	+$105
Michigan	$1,705	$1,590	+$115
Minnesota	$1,310	$1,215	+$95
Mississippi	$1,500	$1,390	+$110
Missouri	$1,420	$1,320	+$100
Montana	$1,255	$1,155	+$100
Nebraska	$1,260	$1,160	+$100
Nevada	$1,770	$1,695	+$75
New Hampshire	$1,120	$1,035	+$85
New Jersey	$1,865	$1,775	+$90
New Mexico	$1,405	$1,310	+$95
New York	$2,080	$1,970	+$110
North Carolina	$1,180	$1,080	+$100
North Dakota	$1,015	$925	+$90
Ohio	$1,120	$1,040	+$80
Oklahoma	$1,415	$1,310	+$105
Oregon	$1,390	$1,320	+$70
Pennsylvania	$1,375	$1,270	+$105
Rhode Island	$1,875	$1,775	+$100
South Carolina	$1,655	$1,570	+$85
South Dakota	$1,210	$1,105	+$105
Tennessee	$1,305	$1,210	+$95
Texas	$1,855	$1,725	+$130
Utah	$1,410	$1,335	+$75
Vermont	$1,030	$940	+$90
Virginia	$1,345	$1,255	+$90
Washington	$1,350	$1,280	+$70
West Virginia	$1,315	$1,215	+$100
Wisconsin	$1,070	$995	+$75
Wyoming	$1,235	$1,125	+$110

By driver profile (full coverage)

Driver	X1	MKC
Teen driver (18, own policy)	$4,295	$4,020
Young adult (22)	$2,500	$2,340
Adult in their 30s	$1,560	$1,460
Adult in their 50s	$1,435	$1,345
Senior (72)	$1,750	$1,640
30s, one at-fault accident	$2,265	$2,120
30s, DUI on record	$2,890	$2,705

More comparisons

Frequently asked questions

Is the BMW X1 or the Lincoln MKC cheaper to insure?

By our estimate the Lincoln MKC is cheaper, by about $100 a year for full coverage ($1,560 vs. $1,460) for a driver in their 30s with a clean record.

Why does insurance cost differ between the BMW X1 and Lincoln MKC?

Mostly because of insurance-loss history: HLDI collision indices of 101 vs. n/a and comprehensive indices of 89 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page