Lincoln MKS Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.
Estimated insurance prices for a Lincoln MKS are $1,004 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $194, collision costs $272, and liability insurance is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,160 or more. Teen drivers pay the most at $3,896 a year or more.
Average premium for full coverage: $1,004
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different MKS trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lincoln MKS go from the cheapest price of $446 for just liability insurance to a much higher rate of $2,160 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how location helps determine auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying on price 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.
More Rate Details
The chart below illustrates estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $598
- Raising to $1,000 deductibles will save $106 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,004
- Choosing more expensive low deductibles costs an extra $204 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,160 or more
- An auto insurance policy to insure a teen driver with full coverage can cost $3,896
Insurance prices for a Lincoln MKS also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your MKS.
Choosing high deductibles can reduce prices by up to $310 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Lincoln MKS insurance rates. A middle-age driver might find prices as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,360 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $906 | -$98 | -9.8% |
| Alaska | $770 | -$234 | -23.3% |
| Arizona | $832 | -$172 | -17.1% |
| Arkansas | $1,004 | -$0 | 0.0% |
| California | $1,144 | $140 | 13.9% |
| Colorado | $956 | -$48 | -4.8% |
| Connecticut | $1,030 | $26 | 2.6% |
| Delaware | $1,132 | $128 | 12.7% |
| Florida | $1,254 | $250 | 24.9% |
| Georgia | $928 | -$76 | -7.6% |
| Hawaii | $720 | -$284 | -28.3% |
| Idaho | $680 | -$324 | -32.3% |
| Illinois | $748 | -$256 | -25.5% |
| Indiana | $758 | -$246 | -24.5% |
| Iowa | $676 | -$328 | -32.7% |
| Kansas | $954 | -$50 | -5.0% |
| Kentucky | $1,368 | $364 | 36.3% |
| Louisiana | $1,486 | $482 | 48.0% |
| Maine | $620 | -$384 | -38.2% |
| Maryland | $830 | -$174 | -17.3% |
| Massachusetts | $800 | -$204 | -20.3% |
| Michigan | $1,742 | $738 | 73.5% |
| Minnesota | $840 | -$164 | -16.3% |
| Mississippi | $1,202 | $198 | 19.7% |
| Missouri | $890 | -$114 | -11.4% |
| Montana | $1,078 | $74 | 7.4% |
| Nebraska | $790 | -$214 | -21.3% |
| Nevada | $1,204 | $200 | 19.9% |
| New Hampshire | $724 | -$280 | -27.9% |
| New Jersey | $1,122 | $118 | 11.8% |
| New Mexico | $888 | -$116 | -11.6% |
| New York | $1,058 | $54 | 5.4% |
| North Carolina | $580 | -$424 | -42.2% |
| North Dakota | $824 | -$180 | -17.9% |
| Ohio | $692 | -$312 | -31.1% |
| Oklahoma | $1,028 | $24 | 2.4% |
| Oregon | $920 | -$84 | -8.4% |
| Pennsylvania | $956 | -$48 | -4.8% |
| Rhode Island | $1,338 | $334 | 33.3% |
| South Carolina | $912 | -$92 | -9.2% |
| South Dakota | $848 | -$156 | -15.5% |
| Tennessee | $878 | -$126 | -12.5% |
| Texas | $1,210 | $206 | 20.5% |
| Utah | $744 | -$260 | -25.9% |
| Vermont | $684 | -$320 | -31.9% |
| Virginia | $602 | -$402 | -40.0% |
| Washington | $774 | -$230 | -22.9% |
| West Virginia | $920 | -$84 | -8.4% |
| Wisconsin | $692 | -$312 | -31.1% |
| Wyoming | $894 | -$110 | -11.0% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKS AWD 4-Dr Sedan | $1,004 | $84 |
| Lincoln MKS 4-Dr Sedan | $1,004 | $84 |
| Lincoln MKS Ecoboost AWD 4-Dr Sedan | $1,022 | $85 |
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 | $250 | $418 | $394 | $1,198 |
| 2015 Lincoln MKS | $244 | $390 | $402 | $1,172 |
| 2014 Lincoln MKS | $226 | $362 | $402 | $1,126 |
| 2013 Lincoln MKS | $220 | $328 | $406 | $1,090 |
| 2012 Lincoln MKS | $206 | $300 | $402 | $1,044 |
| 2011 Lincoln MKS | $194 | $272 | $402 | $1,004 |
| 2010 Lincoln MKS | $188 | $246 | $398 | $968 |
| 2009 Lincoln MKS | $184 | $240 | $390 | $950 |
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 Shop for the Best Cheap Lincoln MKS Insurance
Finding better rates on Lincoln MKS insurance consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a quick review of the material that was covered in the charts and tables above.
- Drivers who purchase more liability protection will pay about $440 annually to raise from 30/60 bodily injury limits to a 250/500 level
- Youthful drivers are expensive to insure, with premiums being up to $325 per month if they have full coverage
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,160 more per year than a low-risk driver
- Increasing policy deductibles could save as much as $300 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,896 |
| 20 | $2,290 |
| 30 | $1,030 |
| 40 | $1,004 |
| 50 | $920 |
| 60 | $902 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,208 |
| $250 | $1,114 |
| $500 | $1,004 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,004 |
| 50/100 | $1,102 |
| 100/300 | $1,203 |
| 250/500 | $1,464 |
| 100 CSL | $1,143 |
| 300 CSL | $1,364 |
| 500 CSL | $1,525 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,520 |
| 20 | $3,644 |
| 30 | $2,190 |
| 40 | $2,160 |
| 50 | $2,060 |
| 60 | $2,040 |
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 | $52 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $65 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $40 |
| Advance Quote | $46 |
| Online Quote | $69 |
| Total Discounts | $406 |
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
