Lincoln MKS Insurance Rates

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UPDATED: Apr 8, 2024

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Average insurance prices for a Lincoln MKS are $1,004 every 12 months including full coverage. Comprehensive costs an estimated $194, collision costs $272, and liability coverage is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing around $2,160. Teens receive the highest rates at $3,896 a year or more.

Average premium for full coverage: $1,004

Rate estimates broken down by individual coverage type:

Comprehensive $194
Collision $272
Liability $402

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all MKS models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the cheapest price of $446 for your basic liability-only policy to the much higher price of $2,160 for a driver that may need high-risk insurance.

Liability Only $446
Full Coverage $1,004
High Risk $2,160

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on insurance prices.

Rural Areas $753
Small Cities $1,054
Large Cities $1,355

These examples highlight why everyone should compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

Use the form below to get customized rates for your location.

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

More Rate Information

The chart below breaks down estimated Lincoln MKS insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $598
  • Raising to $1,000 deductibles will save approximately $106 every year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,004
  • Selecting pricier low deductibles increases the price to $1,208
  • Unlucky drivers with serious driving violations could pay up to $2,160 or more
  • The cost to insure a teenage driver for full coverage can cost as much as $3,896

View Chart as Image

Lincoln MKS insurance cost comparison chart
Column chart showing full coverage Lincoln MKS insurance rates range from $598 to $3,896

Car insurance rates for a Lincoln MKS can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $310 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,200 to $1,700 extra per year, depending on your age. Lincoln MKS insurance for high-risk drivers is expensive and can cost around 44% to 133% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Lincoln MKS insurance rates. A middle-age driver might find rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,430 on average in Louisiana, New York, and Michigan.

Lincoln MKS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $906 -$98 -9.8%
Alaska $770 -$234 -23.3%
Arizona $832 -$172 -17.1%
Arkansas $1,004 -$0 0.0%
California $1,144 $140 13.9%
Colorado $956 -$48 -4.8%
Connecticut $1,030 $26 2.6%
Delaware $1,132 $128 12.7%
Florida $1,254 $250 24.9%
Georgia $928 -$76 -7.6%
Hawaii $720 -$284 -28.3%
Idaho $680 -$324 -32.3%
Illinois $748 -$256 -25.5%
Indiana $758 -$246 -24.5%
Iowa $676 -$328 -32.7%
Kansas $954 -$50 -5.0%
Kentucky $1,368 $364 36.3%
Louisiana $1,486 $482 48.0%
Maine $620 -$384 -38.2%
Maryland $830 -$174 -17.3%
Massachusetts $800 -$204 -20.3%
Michigan $1,742 $738 73.5%
Minnesota $840 -$164 -16.3%
Mississippi $1,202 $198 19.7%
Missouri $890 -$114 -11.4%
Montana $1,078 $74 7.4%
Nebraska $790 -$214 -21.3%
Nevada $1,204 $200 19.9%
New Hampshire $724 -$280 -27.9%
New Jersey $1,122 $118 11.8%
New Mexico $888 -$116 -11.6%
New York $1,058 $54 5.4%
North Carolina $580 -$424 -42.2%
North Dakota $824 -$180 -17.9%
Ohio $692 -$312 -31.1%
Oklahoma $1,028 $24 2.4%
Oregon $920 -$84 -8.4%
Pennsylvania $956 -$48 -4.8%
Rhode Island $1,338 $334 33.3%
South Carolina $912 -$92 -9.2%
South Dakota $848 -$156 -15.5%
Tennessee $878 -$126 -12.5%
Texas $1,210 $206 20.5%
Utah $744 -$260 -25.9%
Vermont $684 -$320 -31.9%
Virginia $602 -$402 -40.0%
Washington $774 -$230 -22.9%
West Virginia $920 -$84 -8.4%
Wisconsin $692 -$312 -31.1%
Wyoming $894 -$110 -11.0%

View Chart as Image

Lincoln MKS insurance rates by U.S. city

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

Lincoln MKS Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKS AWD 4-Dr Sedan $1,004 $84
Lincoln MKS 4-Dr Sedan $1,004 $84
Lincoln MKS Ecoboost AWD 4-Dr Sedan $1,022 $85

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Lincoln MKS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Lincoln MKS $250 $418 $394 $1,198
2015 Lincoln MKS $244 $390 $402 $1,172
2014 Lincoln MKS $226 $362 $402 $1,126
2013 Lincoln MKS $220 $328 $406 $1,090
2012 Lincoln MKS $206 $300 $402 $1,044
2011 Lincoln MKS $194 $272 $402 $1,004
2010 Lincoln MKS $188 $246 $398 $968
2009 Lincoln MKS $184 $240 $390 $950

Rates are averaged for all Lincoln MKS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Lincoln MKS Insurance

Saving money on auto insurance consists of avoiding accidents and violations, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a recap of the data that was touched on in this article.

  • You may be able to save approximately $120 per year simply by quoting online well ahead of the renewal date
  • Consumers who want higher liability limits will pay approximately $440 per year to raise from a minimum limit to a 250/500 level
  • Teenagers have the highest car insurance rates, as much as $325 per month if the policy includes full coverage
  • Drivers that have major violations or accidents may have to pay on average $1,160 more annually for car insurance

Rates by Driver Age

Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $3,896
20 $2,290
30 $1,030
40 $1,004
50 $920
60 $902

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,208
$250 $1,114
$500 $1,004
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,004
50/100 $1,102
100/300 $1,203
250/500 $1,464
100 CSL $1,143
300 CSL $1,364
500 CSL $1,525

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $5,520
20 $3,644
30 $2,190
40 $2,160
50 $2,060
60 $2,040

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 $135

Potential Rate Discounts

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

Discount Savings
Multi-policy $52
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $65
5-yr Claim Free $64
Paid in Full/EFT $40
Advance Quote $46
Online Quote $69
Total Discounts $406
Rate after discounts $598

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

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