Lincoln MKS Insurance Rates

U.S. average insurance rates for a Lincoln MKS are $1,044 a year with full coverage. Comprehensive costs approximately $206 a year, collision costs $300, and liability is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing around $2,248. Teen drivers pay the highest rates at $4,022 a year or more.

Average premium for full coverage: $1,044

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and MKS trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why it is important to compare rates quotes using their specific location and risk profile, instead of using price averages.

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

Additional Rate Information

The chart below details estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $620
• Raising to $1,000 deductibles will save $928 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,044
• Choosing low $100 deductibles will increase the cost to $1,266
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,248 or more
• The price for full coverage for a teen driver can cost $4,022

View Chart as Image

Insurance prices for a Lincoln MKS are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age

The state you live in also has a big influence on Lincoln MKS insurance prices. A middle-age driver might find prices as low as $750 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,410 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $340 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 128% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

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 More Affordable Lincoln MKS Insurance

Getting lower rates on car insurance consists of being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a summary of the information touched on above.

• You may be able to save around $120 per year simply by quoting early and online
• Teen drivers are expensive to insure, costing up to $335 a month for full coverage
• Increasing physical damage deductibles can save around $350 each year
• Higher risk drivers who have multiple accidents or major violations pay on average $1,200 more per year to insure their MKS
• Policyholders who purchase more liability coverage will pay about $440 every year to raise from a low limit to 250/500 limits