Lincoln MKS Insurance Rates

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UPDATED: Apr 8, 2024

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U.S. average auto insurance rates for a Lincoln MKS are $1,004 annually with full coverage. Comprehensive insurance costs around $194, collision costs $272, and liability coverage costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing $2,160 or more. Teens pay the highest rates at $3,896 a year or more.

Average premium for full coverage: $1,004

Price estimates for individual coverage:

Comprehensive $194
Collision $272
Liability $402

Prices include $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all MKS models.

Price Range from Low to High

For the normal driver, Lincoln MKS insurance prices go from as cheap as $446 for your basic liability-only policy to the much higher price of $2,160 for a high-risk insurance policy.

Liability Only $446
Full Coverage $1,004
High Risk $2,160

Geographic Price Range

Where you live has a large influence on insurance rates. Areas with sparse population have fewer collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $753
Small Cities $1,054
Large Cities $1,355

The ranges above demonstrate why everyone should compare prices for a specific zip code and their own personal driving habits, rather than using 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 Information

The chart below details estimated Lincoln MKS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $598
  • Using higher $1,000 deductibles will save about $106 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,004
  • Selecting pricier low deductibles for physical damage coverage costs an additional $204 each year
  • Higher-risk drivers with serious driving violations could pay at least $2,160 or more
  • The price with full coverage for a teenage driver for full coverage can be $3,896 or more

View Chart as Image

Lincoln MKS insurance cost comparison chart
Column chart showing full coverage Lincoln MKS insurance prices range from $598 to $3,896

Car insurance prices for a Lincoln MKS are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,200 to $1,700 extra each year, depending on your age. Lincoln MKS insurance for high-risk drivers can be around 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $310 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lincoln MKS insurance rates. A driver around age 40 might see prices as low as $720 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,360 on average in Florida, Michigan, and New York.

Lincoln MKS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $906 -$98 -9.8%
Alaska $770 -$234 -23.3%
Arizona $832 -$172 -17.1%
Arkansas $1,004 -$0 0.0%
California $1,144 $140 13.9%
Colorado $956 -$48 -4.8%
Connecticut $1,030 $26 2.6%
Delaware $1,132 $128 12.7%
Florida $1,254 $250 24.9%
Georgia $928 -$76 -7.6%
Hawaii $720 -$284 -28.3%
Idaho $680 -$324 -32.3%
Illinois $748 -$256 -25.5%
Indiana $758 -$246 -24.5%
Iowa $676 -$328 -32.7%
Kansas $954 -$50 -5.0%
Kentucky $1,368 $364 36.3%
Louisiana $1,486 $482 48.0%
Maine $620 -$384 -38.2%
Maryland $830 -$174 -17.3%
Massachusetts $800 -$204 -20.3%
Michigan $1,742 $738 73.5%
Minnesota $840 -$164 -16.3%
Mississippi $1,202 $198 19.7%
Missouri $890 -$114 -11.4%
Montana $1,078 $74 7.4%
Nebraska $790 -$214 -21.3%
Nevada $1,204 $200 19.9%
New Hampshire $724 -$280 -27.9%
New Jersey $1,122 $118 11.8%
New Mexico $888 -$116 -11.6%
New York $1,058 $54 5.4%
North Carolina $580 -$424 -42.2%
North Dakota $824 -$180 -17.9%
Ohio $692 -$312 -31.1%
Oklahoma $1,028 $24 2.4%
Oregon $920 -$84 -8.4%
Pennsylvania $956 -$48 -4.8%
Rhode Island $1,338 $334 33.3%
South Carolina $912 -$92 -9.2%
South Dakota $848 -$156 -15.5%
Tennessee $878 -$126 -12.5%
Texas $1,210 $206 20.5%
Utah $744 -$260 -25.9%
Vermont $684 -$320 -31.9%
Virginia $602 -$402 -40.0%
Washington $774 -$230 -22.9%
West Virginia $920 -$84 -8.4%
Wisconsin $692 -$312 -31.1%
Wyoming $894 -$110 -11.0%

View Chart as Image

Lincoln MKS insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes may be quite different between companies.

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 $1,004 $84
Lincoln MKS 4-Dr Sedan $1,004 $84
Lincoln MKS Ecoboost AWD 4-Dr Sedan $1,022 $85

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 $250 $418 $394 $1,198
2015 Lincoln MKS $244 $390 $402 $1,172
2014 Lincoln MKS $226 $362 $402 $1,126
2013 Lincoln MKS $220 $328 $406 $1,090
2012 Lincoln MKS $206 $300 $402 $1,044
2011 Lincoln MKS $194 $272 $402 $1,004
2010 Lincoln MKS $188 $246 $398 $968
2009 Lincoln MKS $184 $240 $390 $950

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 Right Lincoln MKS Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a quick rundown of the car insurance concepts presented in the illustrations above.

  • Drivers with reckless driving or DUI convictions may pay on average $1,160 more every year for MKS insurance
  • You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $300 each year
  • Consumers who may need higher liability limits will pay approximately $440 every year to increase from a low limit to higher 250/500 limits

Rates by Driver Age

Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $3,896
20 $2,290
30 $1,030
40 $1,004
50 $920
60 $902

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,208
$250 $1,114
$500 $1,004
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,004
50/100 $1,102
100/300 $1,203
250/500 $1,464
100 CSL $1,143
300 CSL $1,364
500 CSL $1,525

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $5,520
20 $3,644
30 $2,190
40 $2,160
50 $2,060
60 $2,040

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 $135

Potential Rate Discounts

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

Discount Savings
Multi-policy $52
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $65
5-yr Claim Free $64
Paid in Full/EFT $40
Advance Quote $46
Online Quote $69
Total Discounts $406
Rate after discounts $598

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

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