Lincoln MKS Insurance Rates

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UPDATED: Apr 8, 2024

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U.S. average insurance rates for a Lincoln MKS are $1,044 a year for full coverage insurance. Comprehensive insurance costs around $206 each year, collision insurance costs $300, and liability insurance costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs $2,248 or more. Teen drivers pay the highest rates at up to $4,022 a year.

Average premium for full coverage: $1,044

Price estimates for individual coverage:

Comprehensive $206
Collision $300
Liability $402

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and MKS models.

Price Range from Low to High

For a 40-year-old driver, Lincoln MKS insurance prices range from the low end price of $446 for minimum levels of liability insurance to a high rate of $2,248 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how your location can change auto insurance rates.

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

The ranges above illustrate why all drivers should compare prices for a specific zip code, 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.

Additional Rate Details

The chart below illustrates average Lincoln MKS insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $620
  • Using higher $1,000 deductibles will save about $116 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,044
  • Choosing low deductibles for physical damage coverage will cost an additional $222 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,248
  • The price that insures a teen driver can be $4,022 or more

View Chart as Image

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

Insurance prices for a Lincoln MKS are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 128% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,000 a year. View Rates by Age

The state you live in has a huge impact on Lincoln MKS insurance rates. A driver around age 40 might see prices as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,410 on average in Michigan, New York, and Florida.

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 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by 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 the Best Cheap Lincoln MKS Insurance

Getting lower rates on Lincoln MKS insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Shop around every other policy renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The following is a quick review of the ideas that were illustrated above.

  • Teens pay higher prices, as much as $335 a month if full coverage is included
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,200 more every year for MKS insurance
  • Increasing physical damage deductibles can save approximately $350 each year
  • It is possible to save up to $120 per year just by quoting online in advance

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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