Lincoln MKS AWD 4-Dr Sedan Insurance Rates

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U.S. average auto insurance rates for a Lincoln MKS AWD 4-Dr Sedan are $1,572 annually for full coverage insurance. Comprehensive costs approximately $396 each year, collision costs $730, and liability insurance costs $310. Liability-only coverage costs as little as $370 a year, with high-risk coverage costing around $3,394. Teenage drivers pay the highest rates at $5,544 a year or more.

Annual premium for full coverage: $1,572

Price estimates by individual coverage:

Comprehensive $396
Collision $730
Liability $310

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lincoln MKS Trim Level

For the normal driver, Lincoln MKS AWD 4-Dr Sedan insurance prices go from as cheap as $370 for just the minimum liability insurance to a high rate of $3,394 for a driver who requires high-risk insurance.

Liability Only $370
Full Coverage $1,572
High Risk $3,394

Geographic Price Range

Your location has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,179
Small Cities $1,651
Large Cities $2,122

These price ranges illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Lincoln MKS AWD 4-Dr Sedan are also quite variable based on the actual cash value of your MKS, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $750 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $279 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lincoln MKS AWD 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and quoted rates may be quite different between companies.

View Chart as Image

Lincoln MKS AWD 4-Dr Sedan insurance cost comparison chart
Column chart showing Lincoln MKS AWD 4-Dr Sedan insurance prices range from $880 to $5,544 for full coverage

The chart estimates Lincoln MKS AWD 4-Dr Sedan insurance prices for different situations. The lowest price with discounts is $880. Drivers who use higher $1,000 deductibles will pay about $1,318. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,572. Using lower $100 deductibles for physical damage coverage can cost as much as $2,068. Drivers with multiple violations and accidents could be charged at least $3,394. The policy rate for full coverage insurance for a teenager is $5,544.

Lincoln MKS AWD 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,420 -$152 -9.7%
Alaska $1,204 -$368 -23.4%
Arizona $1,302 -$270 -17.2%
Arkansas $1,572 -$0 0.0%
California $1,790 $218 13.9%
Colorado $1,498 -$74 -4.7%
Connecticut $1,612 $40 2.5%
Delaware $1,776 $204 13.0%
Florida $1,962 $390 24.8%
Georgia $1,452 -$120 -7.6%
Hawaii $1,128 -$444 -28.2%
Idaho $1,064 -$508 -32.3%
Illinois $1,170 -$402 -25.6%
Indiana $1,182 -$390 -24.8%
Iowa $1,058 -$514 -32.7%
Kansas $1,490 -$82 -5.2%
Kentucky $2,142 $570 36.3%
Louisiana $2,324 $752 47.8%
Maine $968 -$604 -38.4%
Maryland $1,294 -$278 -17.7%
Massachusetts $1,252 -$320 -20.4%
Michigan $2,726 $1,154 73.4%
Minnesota $1,314 -$258 -16.4%
Mississippi $1,880 $308 19.6%
Missouri $1,394 -$178 -11.3%
Montana $1,686 $114 7.3%
Nebraska $1,236 -$336 -21.4%
Nevada $1,882 $310 19.7%
New Hampshire $1,132 -$440 -28.0%
New Jersey $1,756 $184 11.7%
New Mexico $1,388 -$184 -11.7%
New York $1,652 $80 5.1%
North Carolina $904 -$668 -42.5%
North Dakota $1,286 -$286 -18.2%
Ohio $1,084 -$488 -31.0%
Oklahoma $1,610 $38 2.4%
Oregon $1,438 -$134 -8.5%
Pennsylvania $1,496 -$76 -4.8%
Rhode Island $2,094 $522 33.2%
South Carolina $1,422 -$150 -9.5%
South Dakota $1,324 -$248 -15.8%
Tennessee $1,372 -$200 -12.7%
Texas $1,892 $320 20.4%
Utah $1,162 -$410 -26.1%
Vermont $1,072 -$500 -31.8%
Virginia $942 -$630 -40.1%
Washington $1,212 -$360 -22.9%
West Virginia $1,442 -$130 -8.3%
Wisconsin $1,086 -$486 -30.9%
Wyoming $1,398 -$174 -11.1%

View Chart as Image

Lincoln MKS AWD 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Lincoln MKS AWD 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,544
20 $3,614
30 $1,662
40 $1,572
50 $1,430
60 $1,404

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKS AWD 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,068
$250 $1,838
$500 $1,572
$1,000 $1,318

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS AWD 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,572
50/100 $1,634
100/300 $1,712
250/500 $1,913
100 CSL $1,665
300 CSL $1,836
500 CSL $1,960

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKS AWD 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,978
20 $5,742
30 $3,496
40 $3,394
50 $3,232
60 $3,202

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $221

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $86
Multi-vehicle $80
Homeowner $21
5-yr Accident Free $125
5-yr Claim Free $103
Paid in Full/EFT $80
Advance Quote $82
Online Quote $115
Total Discounts $692
Rate after discounts $880

Discounts are estimated and may not be available from every company or in every state.

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