Lincoln MKS Insurance Rates

The average insurance rates for a Lincoln MKS are $1,044 a year including full coverage. Comprehensive insurance costs approximately $206 a year, collision insurance costs $300, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs $2,248 or more. Teens cost the most to insure at up to $4,022 a year.

Average premium for full coverage: $1,044

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and MKS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $620
• Choosing higher $1,000 deductibles can save $928 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,044
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $222 each year
• Drivers with serious driving violations could pay around $2,248
• Policy cost that insures a teenage driver can cost $4,022 each year

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 ranges around 42% to 128% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Lincoln MKS insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,490 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 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

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 Affordable Lincoln MKS Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates at least every other year by getting quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a brief review of the car insurance concepts touched on in this article.

• Drivers with DUI or reckless driving convictions will likely pay on average $1,200 more per year for auto insurance
• You may be able to save around $120 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Consumers who purchase higher levels of liability will pay approximately $440 per year to raise limits from a 30/60 limit to the 250/500 level