Lincoln MKS Insurance Rates

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2010 Lincoln MKS Insurance Cost in 2025

If you're new to shopping for insurance coverage quotes online, you can be bewildered by the sheer number of insurance providers selling insurance. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. The purpose of this article is to help educate you on the best way to quote coverages and some tricks to saving. Nevertheless, vehi...

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UPDATED: Apr 8, 2024

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Estimated auto insurance rates for a Lincoln MKS are $1,044 annually for full coverage insurance. Comprehensive insurance costs around $206, collision insurance costs $300, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs $2,248 or more. Teens pay the most at up to $4,022 a year.

Average premium for full coverage: $1,044

Premium estimates for type of coverage:

Comprehensive $206
Collision $300
Liability $402

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all MKS models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Lincoln MKS range from as cheap as $446 for just liability insurance to the much higher price of $2,248 for a high-risk insurance policy.

Liability Only $446
Full Coverage $1,044
High Risk $2,248

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance rates.

Rural Areas $783
Small Cities $1,096
Large Cities $1,409

These rate differences illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on 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 Details

The chart below illustrates average Lincoln MKS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $620
  • Choosing higher $1,000 deductibles can save about $116 each year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,044
  • Selecting pricier low deductibles for comp and collision coverage costs an additional $222 a year
  • High-risk insureds with serious driving violations could pay at least $2,248
  • An auto insurance policy with full coverage for a teen driver for full coverage can be $4,022 each year

View Chart as Image

Lincoln MKS insurance cost comparison chart
Column chart showing Lincoln MKS insurance prices range from $620 to $4,022 for full coverage

Insurance prices for a Lincoln MKS also have a wide range based on the model of your MKS, your risk profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,200 to $1,700 extra annually, depending on your age. Lincoln MKS insurance for high-risk drivers ranges anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

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 Vermont, Wisconsin, and North Carolina, or have to pay at least $1,410 on average in Michigan, New York, and Florida.

Lincoln MKS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $944 -$100 -9.6%
Alaska $800 -$244 -23.4%
Arizona $866 -$178 -17.0%
Arkansas $1,044 -$0 0.0%
California $1,188 $144 13.8%
Colorado $996 -$48 -4.6%
Connecticut $1,074 $30 2.9%
Delaware $1,178 $134 12.8%
Florida $1,302 $258 24.7%
Georgia $966 -$78 -7.5%
Hawaii $750 -$294 -28.2%
Idaho $708 -$336 -32.2%
Illinois $778 -$266 -25.5%
Indiana $788 -$256 -24.5%
Iowa $704 -$340 -32.6%
Kansas $992 -$52 -5.0%
Kentucky $1,422 $378 36.2%
Louisiana $1,546 $502 48.1%
Maine $644 -$400 -38.3%
Maryland $862 -$182 -17.4%
Massachusetts $832 -$212 -20.3%
Michigan $1,812 $768 73.6%
Minnesota $874 -$170 -16.3%
Mississippi $1,250 $206 19.7%
Missouri $926 -$118 -11.3%
Montana $1,120 $76 7.3%
Nebraska $822 -$222 -21.3%
Nevada $1,250 $206 19.7%
New Hampshire $752 -$292 -28.0%
New Jersey $1,168 $124 11.9%
New Mexico $922 -$122 -11.7%
New York $1,098 $54 5.2%
North Carolina $602 -$442 -42.3%
North Dakota $856 -$188 -18.0%
Ohio $720 -$324 -31.0%
Oklahoma $1,068 $24 2.3%
Oregon $956 -$88 -8.4%
Pennsylvania $994 -$50 -4.8%
Rhode Island $1,392 $348 33.3%
South Carolina $946 -$98 -9.4%
South Dakota $882 -$162 -15.5%
Tennessee $914 -$130 -12.5%
Texas $1,258 $214 20.5%
Utah $772 -$272 -26.1%
Vermont $712 -$332 -31.8%
Virginia $626 -$418 -40.0%
Washington $804 -$240 -23.0%
West Virginia $956 -$88 -8.4%
Wisconsin $720 -$324 -31.0%
Wyoming $930 -$114 -10.9%

View Chart as Image

Lincoln MKS insurance rates by U.S. city

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 $1,044 $87
Lincoln MKS 4-Dr Sedan $1,044 $87
Lincoln MKS Ecoboost AWD 4-Dr Sedan $1,064 $89

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 $260 $446 $390 $1,232
2015 Lincoln MKS $250 $418 $394 $1,198
2014 Lincoln MKS $244 $390 $402 $1,172
2013 Lincoln MKS $226 $362 $402 $1,126
2012 Lincoln MKS $220 $328 $406 $1,090
2011 Lincoln MKS $206 $300 $402 $1,044
2010 Lincoln MKS $194 $272 $402 $1,004
2009 Lincoln MKS $188 $246 $398 $968

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 Buy the Best Lincoln MKS Insurance

Finding better rates on Lincoln MKS insurance takes being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest time comparing rates at least every other year by getting quotes from direct insurance companies, and also from several local insurance agents.

Below is a brief recap of the car insurance concepts covered in the charts and tables above.

  • High-risk drivers who tend to receive serious violations pay on average $1,200 more every year for auto insurance
  • It is possible to save up to $120 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $350 each year
  • Drivers who may need higher levels of liability will pay approximately $440 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits

Rates by Driver Age

Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $4,022
20 $2,382
30 $1,074
40 $1,044
50 $956
60 $938

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,266
$250 $1,164
$500 $1,044
$1,000 $928

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,044
50/100 $1,144
100/300 $1,245
250/500 $1,506
100 CSL $1,185
300 CSL $1,406
500 CSL $1,567

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $5,708
20 $3,794
30 $2,282
40 $2,248
50 $2,144
60 $2,124

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 $142

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $55
Homeowner $17
5-yr Accident Free $69
5-yr Claim Free $66
Paid in Full/EFT $42
Advance Quote $48
Online Quote $73
Total Discounts $424
Rate after discounts $620

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

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