Lincoln MKS Insurance Rates

Estimated insurance prices for a Lincoln MKS are $1,044 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $206 a year, collision costs $300, and liability coverage is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing $2,248 or more. Teenage drivers pay the most at $4,022 a year or more.

Average premium for full coverage: $1,044

Premium estimates by type of coverage:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and MKS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

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

These rate differences illustrate why it is important to get quotes using their specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.

• The best discount rate is $620
• Choosing higher $1,000 deductibles can save $928 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,044
• Using low $100 deductibles for comp and collision coverage costs an extra $222 each year
• Drivers who are prone to accidents and violations could pay around $2,248 or more
• An auto insurance policy to insure a teenage driver can cost $4,022 each year

View Chart as Image

Auto insurance prices for a Lincoln MKS also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your MKS.

Using high physical damage deductibles can save as much as $340 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lincoln MKS insurance rates. A good driver about age 40 could pay as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,410 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Affordable Lincoln MKS Insurance

Finding better rates on auto insurance takes not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates at least every other year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following is a brief review of the car insurance concepts touched on in this article.

• Drivers with DUI or reckless driving convictions may have to pay on average $1,200 more per year for MKS insurance
• It is possible to save around $120 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $350 each year
• Consumers who purchase higher liability limits will pay an extra $440 annually to raise limits from 30/60 bodily injury limits to a 250/500 level