Lincoln MKS Insurance Rates
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UPDATED: Apr 8, 2024
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Estimated insurance rates for a Lincoln MKS are $1,090 a year for full coverage. Comprehensive insurance costs on average $220, collision costs $328, and liability is $406. Liability-only insurance costs around $450 a year, with high-risk driver insurance costing $2,348 or more. 16-year-old drivers pay the most at $4,174 a year or more.
Average premium for full coverage: $1,090
Premium estimates by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all MKS models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lincoln MKS go from the low end price of $450 for basic liability insurance to the much higher price of $2,348 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities.
The example below illustrates how where you live affects car insurance rates.
These rate differences show why everyone should compare rates quotes based on a specific location, instead of making a decision based on rate averages.
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.
Rate Comparisons
The chart below shows estimated Lincoln MKS insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $641
- Raising to $1,000 deductibles will save around $124 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,090
- Buying pricier low deductibles will cost an additional $240 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,348 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage may cost $4,174
Insurance prices for a Lincoln MKS also have a wide range based on the model of your MKS, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,300 to $1,800 additional annually, depending on your age. Lincoln MKS insurance for high-risk drivers is expensive and can cost from 43% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,100 a year. View Rates by Age
Where you choose to live also has a big influence on Lincoln MKS insurance prices. A middle-age driver might find prices as low as $720 a year in states like Idaho, Maine, and Iowa, or at least $1,560 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $986 | -$104 | -9.5% |
| Alaska | $838 | -$252 | -23.1% |
| Arizona | $904 | -$186 | -17.1% |
| Arkansas | $1,090 | -$0 | 0.0% |
| California | $1,242 | $152 | 13.9% |
| Colorado | $1,040 | -$50 | -4.6% |
| Connecticut | $1,118 | $28 | 2.6% |
| Delaware | $1,234 | $144 | 13.2% |
| Florida | $1,362 | $272 | 25.0% |
| Georgia | $1,008 | -$82 | -7.5% |
| Hawaii | $784 | -$306 | -28.1% |
| Idaho | $738 | -$352 | -32.3% |
| Illinois | $810 | -$280 | -25.7% |
| Indiana | $822 | -$268 | -24.6% |
| Iowa | $736 | -$354 | -32.5% |
| Kansas | $1,036 | -$54 | -5.0% |
| Kentucky | $1,488 | $398 | 36.5% |
| Louisiana | $1,612 | $522 | 47.9% |
| Maine | $672 | -$418 | -38.3% |
| Maryland | $900 | -$190 | -17.4% |
| Massachusetts | $868 | -$222 | -20.4% |
| Michigan | $1,892 | $802 | 73.6% |
| Minnesota | $914 | -$176 | -16.1% |
| Mississippi | $1,306 | $216 | 19.8% |
| Missouri | $968 | -$122 | -11.2% |
| Montana | $1,172 | $82 | 7.5% |
| Nebraska | $858 | -$232 | -21.3% |
| Nevada | $1,306 | $216 | 19.8% |
| New Hampshire | $786 | -$304 | -27.9% |
| New Jersey | $1,220 | $130 | 11.9% |
| New Mexico | $966 | -$124 | -11.4% |
| New York | $1,148 | $58 | 5.3% |
| North Carolina | $630 | -$460 | -42.2% |
| North Dakota | $894 | -$196 | -18.0% |
| Ohio | $750 | -$340 | -31.2% |
| Oklahoma | $1,118 | $28 | 2.6% |
| Oregon | $1,000 | -$90 | -8.3% |
| Pennsylvania | $1,038 | -$52 | -4.8% |
| Rhode Island | $1,454 | $364 | 33.4% |
| South Carolina | $990 | -$100 | -9.2% |
| South Dakota | $920 | -$170 | -15.6% |
| Tennessee | $956 | -$134 | -12.3% |
| Texas | $1,314 | $224 | 20.6% |
| Utah | $808 | -$282 | -25.9% |
| Vermont | $744 | -$346 | -31.7% |
| Virginia | $654 | -$436 | -40.0% |
| Washington | $842 | -$248 | -22.8% |
| West Virginia | $1,000 | -$90 | -8.3% |
| Wisconsin | $752 | -$338 | -31.0% |
| Wyoming | $970 | -$120 | -11.0% |
Opting for high physical damage deductibles can reduce prices by up to $370 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $366 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKS AWD 4-Dr Sedan | $1,090 | $91 |
| Lincoln MKS 4-Dr Sedan | $1,090 | $91 |
| Lincoln MKS Ecoboost AWD 4-Dr Sedan | $1,112 | $93 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Lincoln MKS | $278 | $484 | $390 | $1,288 |
| 2015 Lincoln MKS | $260 | $446 | $390 | $1,232 |
| 2014 Lincoln MKS | $250 | $418 | $394 | $1,198 |
| 2013 Lincoln MKS | $244 | $390 | $402 | $1,172 |
| 2012 Lincoln MKS | $226 | $362 | $402 | $1,126 |
| 2011 Lincoln MKS | $220 | $328 | $406 | $1,090 |
| 2010 Lincoln MKS | $206 | $300 | $402 | $1,044 |
| 2009 Lincoln MKS | $194 | $272 | $402 | $1,004 |
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 Find Cheaper Lincoln MKS Insurance
Finding better rates on insurance for a Lincoln MKS consists of having a decent driving record, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Comparison shop every couple of years by getting quotes from direct carriers, and also from local exclusive and independent agents.
The following items are a condensed summary of the material that was touched on in the above illustrations.
- Insureds who require additional liability coverage will pay around $450 each year to raise from 30/60 bodily injury limits to the 250/500 level
- 16 to 18-year-old drivers pay higher prices, as much as $348 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,260 more each year than a driver with a clean driving record
- Increasing policy deductibles can save approximately $375 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,174 |
| 20 | $2,490 |
| 30 | $1,126 |
| 40 | $1,090 |
| 50 | $1,000 |
| 60 | $980 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,330 |
| $250 | $1,222 |
| $500 | $1,090 |
| $1,000 | $966 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,090 |
| 50/100 | $1,193 |
| 100/300 | $1,295 |
| 250/500 | $1,559 |
| 100 CSL | $1,234 |
| 300 CSL | $1,457 |
| 500 CSL | $1,620 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,926 |
| 20 | $3,964 |
| 30 | $2,386 |
| 40 | $2,348 |
| 50 | $2,242 |
| 60 | $2,220 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $57 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $45 |
| Advance Quote | $51 |
| Online Quote | $76 |
| Total Discounts | $449 |
Discounts are estimated and may not be available from every company or in every state.
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