Lincoln MKS Insurance Rates

The average insurance rates for a Lincoln MKS are $1,004 a year including full coverage. Comprehensive insurance costs approximately $194 a year, collision costs $272, and liability coverage is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,160 or more. 16-year-old drivers cost the most to insure at $3,896 a year or more.

Average premium for full coverage: $1,004

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and MKS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $598
• Raising to $1,000 deductibles will save $898 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,004
• Buying low $100 deductibles will cost an additional $204 each year
• Unlucky drivers with multiple tickets or accidents could pay around $2,160 or more
• Policy cost that insures a teenage driver can cost $3,896

View Chart as Image

Insurance rates for a Lincoln MKS also range considerably based on the trim level of your MKS, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% 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 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

Your home state also has a big influence on Lincoln MKS insurance rates. A middle-age driver might find rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $310 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 Cheaper Lincoln MKS Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Comparison shop at every policy renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a condensed summary of the data presented in the illustrations above.

• Consumers who purchase higher levels of liability will pay around $440 per year to raise from a 30/60 limit to the 250/500 level
• You may be able to save around $120 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Teenage drivers are the costliest to insure, with premiums being up to $325 each month if comprehensive and collision insurance is included