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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Average insurance rates for a Lincoln MKS are $1,044 a year with full coverage. Comprehensive costs on average $206, collision insurance costs $300, and liability insurance is $402. A liability-only policy costs around $446 a year, and high-risk insurance costs around $2,248. Teens receive the highest rates at up to $4,022 a year.

Average premium for full coverage: $1,044

Rate estimates by individual coverage type:

Comprehensive $206
Collision $300
Liability $402

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all MKS models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the low end price of $446 for your basic liability-only policy to the much higher price of $2,248 for a driver who has had serious violations or accidents.

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

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on car insurance rates.

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

These examples demonstrate why everyone should compare rates quotes based on a specific location, 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 Information

The chart below details average Lincoln MKS insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $620
  • Raising to $1,000 deductibles will save around $116 annually
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,044
  • Selecting pricier low deductibles bumps up the cost to $1,266
  • Higher-risk drivers with serious driving violations could pay upwards of $2,248
  • The cost that insures a teen driver for full coverage may cost $4,022

View Chart as Image

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

Insurance rates for a Lincoln MKS can also vary considerably based on the model of your MKS, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra per year, depending on your age. Lincoln MKS insurance for high-risk drivers is expensive and can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,000 a year. View Rates by Age

Where you live also has a big influence on Lincoln MKS insurance rates. A middle-age driver might find rates as low as $750 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,410 on average in Florida, Michigan, and New York.

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

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

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 Find More Affordable Lincoln MKS Insurance

Saving money on Lincoln MKS insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Compare rates every other policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a summary of the ideas that were touched on in this article.

  • Drivers age 16 to 20 pay the highest rates, with premiums as much as $335 per month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations pay on average $1,200 more each year than a safer driver
  • Increasing deductibles can save approximately $350 each year
  • You may be able to save as much as $120 per year just by quoting online well ahead of the renewal date

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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