Lincoln MKS Insurance Rates
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UPDATED: Apr 8, 2024
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Average insurance rates for a Lincoln MKS are $1,090 a year with full coverage. Comprehensive costs around $220 a year, collision insurance costs $328, and liability coverage costs $406. A policy with just liability insurance costs as little as $450 a year, and coverage for high-risk drivers costs around $2,348. 16-year-old drivers receive the highest rates at up to $4,174 a year.
Average premium for full coverage: $1,090
Rate estimates for individual coverage type:
These estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and MKS trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from the low end price of $450 for minimum levels of liability insurance to a high of $2,348 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why it is important to compare rates for a specific zip code, rather than using 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.
Additional Rate Details
The chart below details average Lincoln MKS insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $641
- Drivers who choose higher $1,000 deductibles will pay about $966 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,090
- Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,330
- High-risk insureds with multiple tickets or accidents could pay at least $2,348
- The cost that insures a teenage driver can be $4,174 a year
Insurance rates for a Lincoln MKS can also vary considerably based on the trim level of your MKS, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,300 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,100 a year. View Rates by Age
Where you live makes a big difference in Lincoln MKS insurance rates. A 40-year-old driver could pay as low as $790 a year in states like New Hampshire, Ohio, and Utah, or at least $1,470 on average in Florida, Michigan, 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 could save up to $370 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $366 more each year. View Rates by Deductible or Liability Limit
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 Cheap Lincoln MKS Insurance
Saving money on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a brief summary of the data covered in the above illustrations.
- Consumers who may need higher liability limits will pay around $450 every year to go from a minimum limit to the 250/500 level
- You may be able to save up to $130 per year just by quoting early and online
- Increasing deductibles can save approximately $375 each year
- Teens are charged the highest rates, with premiums as much as $348 per month if comprehensive and collision insurance is included
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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