Lincoln MKS Insurance Rates

The average auto insurance rates for a Lincoln MKS are $1,004 annually for full coverage insurance. Comprehensive insurance costs an estimated $194 a year, collision costs $272, and liability costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing $2,160 or more. Teenage drivers cost the most to insure at $3,896 a year or more.

Average premium for full coverage: $1,004

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and MKS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $598
• Using higher $1,000 deductibles will save approximately $898 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,004
• Using low $100 deductibles for physical damage coverage costs an additional $204 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,160 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $3,896 or more

View Chart as Image

Auto insurance rates for a Lincoln MKS also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $310 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lincoln MKS insurance prices. A driver around age 40 might see rates as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,360 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Buy the Right Lincoln MKS Insurance

Finding cheaper rates on insurance for a Lincoln MKS requires having a decent driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the ideas that were raised in the charts and tables above.

• 16 to 18-year-old drivers are the costliest to insure, possibly costing $325 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,160 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $300 each year
• It is possible to save approximately $120 per year simply by quoting early and online