The Lincoln MKC compact crossover SUV is being replaced by the Lincoln Corsair. The Corsair is reported to be a complete upgrade despite keeping in style with the MKC.
The Lincoln Corsair is a compact crossover SUV that’s expensive to insure considering its low base price. The average insurance cost for a Corsair is expected to be around $180 a month, or $2,160 a year. With a base price of $35,945, the annual insurance cost-to-base ratio is 6%, which is higher than the national average of 4%. Filter car insurance companies by your state to get a quote.
Insurance companies will mainly use rating factors from the Corsair’s predecessor, the Lincoln MKC, as well as from its sister compact SUV the Ford Escape.
Body type. The Corsair is a compact crossover SUV, which has among the lowest insurance rates of any vehicle class. However, it’s also a luxury SUV, which means the expensive parts will likely offset that advantage.
Fuel. At roughly 25 combined mpg, the Corsair isn’t setting new records for fuel economy, so you won’t be able to rely on savings at the pump to balance insurance costs.
Theft rates. Lincoln’s theft rates are about average for luxury vehicles, which means average insurance rates.
Maintenance. Average annual repair costs on the Corsair’s predecessor, the MKC, are around $850 according to Repair Pal’s website. This is in line with other luxury compact SUVs. The Corsair should have similar maintenance costs that affect insurance.
Coverage. Though the Corsair is priced at $35,945 for the basic model, it can quickly cost over $40,000 with upgrades. You’ll likely want to make sure you have full coverage on the vehicle and $50,000 or more uninsured motorist coverage.
Warranty. The standard warranty covers the Corsair for four years or 50,000 miles with an option for an extended warranty. All Lincoln vehicles bought new since 2013 come with unlimited roadside assistance for the original owner that extends beyond the warranty, which means you won’t need to add this coverage to your insurance policy for as long as you drive the Corsair.
Manufacturer offer. Lincoln often promotes leasing offers as well as low APR deals. Check with your local dealership to find the best offer for your Corsair.
The Lincoln Corsair should qualify for some or all of the following discounts, but the exact ones available will depend on the model you select and your insurance company.
Passive restraint discount
Active restraint discount
Antilock brakes discount
Antitheft discount
Airbag discount
Seatbelt pretensioner discount
How reliable is the Lincoln Corsair?
The 2020 Lincoln Corsair is based on the same design as the 2020 Ford Escape, although it does feature some upgrades. Both were rated the same based on duplicate core design.
Safety. The Corsair earns a Top Safety Pick by the Insurance Institute of Highway Safety. It also has a Good mark for each category of crashworthiness, with its only lower mark being for headlights. The Corsair is rated a 9.9 out of 10 for safety by US News & World Report.
Reliability. The Corsair hasn’t officially been rated by J.D. Power for reliability yet, though its 2019 predecessor MKC receives an 85 out of 100. You can expect similarly high ratings for reliability on the 2020 Corsair.
Recalls. The Lincoln MKC and sister model Ford Escape both had recalls in 2014 and 2015, so there is a chance the Corsair could face similar issues.
Bottom line
The 2020 Lincoln Corsair replaces the MKC in Lincoln’s compact crossover lineup. At under $200 a month to insure, it’s slightly above the national average due to high repair costs and coverage limits.
To find the best plan for your new Corsair, be sure to check out and compare different insurance companies.
Frequently asked questions about the Lincoln Corsair
The Corsair is a brand new luxury SUV. Even though it follows and replaces the MKC in Lincoln’s lineup, it is more expensive with newer parts.
The average monthly insurance rate won’t change much if you opt for a higher-end Corsair model, though the sticker price is quite a bit more. This makes the insurance cost-to-base ratio more in line with the national average of 4%.
Carmakers periodically shuffle vehicle lineups, especially on models that aren’t high sellers. Though the MKC did okay on the market, Lincoln decided to revamp and upgrade it to gain better market traction in the luxury compact SUV market.
Andrew Flueckiger is a licensed insurance agent and Certified Insurance Counselor with experience in insurance and finance. A graduate of Indiana University, Andrew contributes a wealth of knowledge and experience to Finder. When Andrew isn’t writing, reading or practicing insurance, he can be found spending time with his family and playing the guitar.
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