Lincoln MKS Insurance Rates

The average insurance rates for a Lincoln MKS are $1,004 a year including full coverage. Comprehensive costs an estimated $194 each year, collision costs $272, and liability coverage costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing around $2,160. Teens 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:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and MKS models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects insurance prices.

The examples above highlight why all drivers should compare rates for a targeted area, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $598
• Drivers who choose higher $1,000 deductibles will pay approximately $106 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,004
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,208
• High-risk insureds with serious driving violations could pay up to $2,160 or more
• Policy cost that insures a teenage driver can cost as much as $3,896 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $3,800 a year. View Rates by Age

Your home state makes a big difference in Lincoln MKS insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $310 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company calculates rates differently, and quoted rates will be varied.

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 Find the Best Lincoln MKS Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief recap of the data touched on in the above illustrations.

• Consumers who want increased liability limits will pay approximately $440 per year to go from a 30/60 limit to the 250/500 level
• You may be able to save approximately $120 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $325 each month if the policy includes full coverage