Lincoln MKS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 8, 2024

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Estimated insurance rates for a Lincoln MKS are $1,044 a year with full coverage. Comprehensive insurance costs on average $206 a year, collision costs $300, and liability costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing $2,248 or more. Teen drivers pay the most at $4,022 a year or more.

Average premium for full coverage: $1,044

Premium estimates by type of coverage:

Comprehensive $206
Collision $300
Liability $402

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and MKS trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Lincoln MKS go from the low end price of $446 for basic liability insurance to a high of $2,248 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

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

These rate differences demonstrate why it is important to compare prices based on a specific location, instead of making a decision based 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.

Rate Comparisons

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

  • The lowest rate with discounts is $620
  • Using higher $1,000 deductibles will save around $928 annually
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,044
  • Choosing low $100 deductibles for physical damage coverage will cost an additional $222 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,248 or more
  • An auto insurance policy that insures a 16-year-old driver may cost $4,022 or more

View Chart as Image

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

Insurance prices for a Lincoln MKS also have a wide range based on the trim level of your MKS, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 additional annually, depending on your age. A high-risk auto insurance policy can be from 42% to 128% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,000 a year. View Rates by Age

Where you choose to live has a huge impact on Lincoln MKS insurance prices. A driver around age 40 might see prices as low as $750 a year in states like New Hampshire, Ohio, and Utah, or as much as $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 high deductibles could cut prices by as much as $340 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially different.

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 Cheaper Lincoln MKS Insurance

Finding better rates on insurance for a Lincoln MKS requires having a decent driving record, having a good credit score, being claim-free, and insuring your home and auto with the same company. Shop around at every other renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The following items are a condensed summary of the concepts that were covered in the above illustrations.

  • Drivers considered higher risk with multiple at-fault accidents pay on average $1,200 more each year than a driver with a clean driving record
  • 16 to 18-year-old drivers pay higher prices, possibly costing $335 per month if comprehensive and collision insurance is included
  • You may be able to save as much as $120 per year simply by quoting early and online
  • Increasing policy deductibles can save approximately $350 each year
  • You may be able to save as much as $120 per year simply by quoting early and online

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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