Lincoln MKS Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,266 |
| $250 | $1,164 |
| $500 | $1,044 |
| $1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
