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 $1,090 a year for full coverage insurance. Comprehensive costs an estimated $220, collision costs $328, and liability is estimated at $406. A policy with just liability insurance costs approximately $450 a year, with coverage for high-risk drivers costing around $2,348. Teen drivers pay the highest rates at $4,174 a year or more.
Average premium for full coverage: $1,090
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all MKS models.
Price Range from Low to High
Using a 40-year-old driver as an example, Lincoln MKS insurance prices go from the low end price of $450 for a discount liability-only rate to the much higher price of $2,348 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas.
The example below illustrates how rural and urban location affects insurance prices.
The ranges above illustrate why everyone should get quotes for a targeted area, instead of using 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.
Rates by State, City, and Model
The chart below illustrates estimated Lincoln MKS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $641
- Choosing higher $1,000 deductibles can save approximately $124 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,090
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,330
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,348 or more
- The price that insures a teen driver for full coverage can cost as much as $4,174 each year
Insurance prices for a Lincoln MKS are also quite variable based on the model of your MKS, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,300 to $1,800 extra each year, depending on your age. Lincoln MKS insurance for high-risk drivers ranges as much as 43% to 133% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Lincoln MKS insurance prices. A good driver about age 40 could pay as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,470 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $986 | -$104 | -9.5% |
| Alaska | $838 | -$252 | -23.1% |
| Arizona | $904 | -$186 | -17.1% |
| Arkansas | $1,090 | -$0 | 0.0% |
| California | $1,242 | $152 | 13.9% |
| Colorado | $1,040 | -$50 | -4.6% |
| Connecticut | $1,118 | $28 | 2.6% |
| Delaware | $1,234 | $144 | 13.2% |
| Florida | $1,362 | $272 | 25.0% |
| Georgia | $1,008 | -$82 | -7.5% |
| Hawaii | $784 | -$306 | -28.1% |
| Idaho | $738 | -$352 | -32.3% |
| Illinois | $810 | -$280 | -25.7% |
| Indiana | $822 | -$268 | -24.6% |
| Iowa | $736 | -$354 | -32.5% |
| Kansas | $1,036 | -$54 | -5.0% |
| Kentucky | $1,488 | $398 | 36.5% |
| Louisiana | $1,612 | $522 | 47.9% |
| Maine | $672 | -$418 | -38.3% |
| Maryland | $900 | -$190 | -17.4% |
| Massachusetts | $868 | -$222 | -20.4% |
| Michigan | $1,892 | $802 | 73.6% |
| Minnesota | $914 | -$176 | -16.1% |
| Mississippi | $1,306 | $216 | 19.8% |
| Missouri | $968 | -$122 | -11.2% |
| Montana | $1,172 | $82 | 7.5% |
| Nebraska | $858 | -$232 | -21.3% |
| Nevada | $1,306 | $216 | 19.8% |
| New Hampshire | $786 | -$304 | -27.9% |
| New Jersey | $1,220 | $130 | 11.9% |
| New Mexico | $966 | -$124 | -11.4% |
| New York | $1,148 | $58 | 5.3% |
| North Carolina | $630 | -$460 | -42.2% |
| North Dakota | $894 | -$196 | -18.0% |
| Ohio | $750 | -$340 | -31.2% |
| Oklahoma | $1,118 | $28 | 2.6% |
| Oregon | $1,000 | -$90 | -8.3% |
| Pennsylvania | $1,038 | -$52 | -4.8% |
| Rhode Island | $1,454 | $364 | 33.4% |
| South Carolina | $990 | -$100 | -9.2% |
| South Dakota | $920 | -$170 | -15.6% |
| Tennessee | $956 | -$134 | -12.3% |
| Texas | $1,314 | $224 | 20.6% |
| Utah | $808 | -$282 | -25.9% |
| Vermont | $744 | -$346 | -31.7% |
| Virginia | $654 | -$436 | -40.0% |
| Washington | $842 | -$248 | -22.8% |
| West Virginia | $1,000 | -$90 | -8.3% |
| Wisconsin | $752 | -$338 | -31.0% |
| Wyoming | $970 | -$120 | -11.0% |
Choosing high deductibles can save as much as $370 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKS AWD 4-Dr Sedan | $1,090 | $91 |
| Lincoln MKS 4-Dr Sedan | $1,090 | $91 |
| Lincoln MKS Ecoboost AWD 4-Dr Sedan | $1,112 | $93 |
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 | $278 | $484 | $390 | $1,288 |
| 2015 Lincoln MKS | $260 | $446 | $390 | $1,232 |
| 2014 Lincoln MKS | $250 | $418 | $394 | $1,198 |
| 2013 Lincoln MKS | $244 | $390 | $402 | $1,172 |
| 2012 Lincoln MKS | $226 | $362 | $402 | $1,126 |
| 2011 Lincoln MKS | $220 | $328 | $406 | $1,090 |
| 2010 Lincoln MKS | $206 | $300 | $402 | $1,044 |
| 2009 Lincoln MKS | $194 | $272 | $402 | $1,004 |
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 Cheap Lincoln MKS Insurance
Getting lower rates on car insurance takes being safe and accident-free, having above-average credit, not filing small claims, and taking advantage of discounts. Shop around every other policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a brief summary of the ideas that were raised in the charts and tables above.
- Youthful drivers are charged the highest prices, as much as $348 a month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,260 more annually than a low-risk driver
- Increasing physical damage deductibles can save approximately $375 each year
- It is possible to save approximately $130 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,174 |
| 20 | $2,490 |
| 30 | $1,126 |
| 40 | $1,090 |
| 50 | $1,000 |
| 60 | $980 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,330 |
| $250 | $1,222 |
| $500 | $1,090 |
| $1,000 | $966 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,090 |
| 50/100 | $1,193 |
| 100/300 | $1,295 |
| 250/500 | $1,559 |
| 100 CSL | $1,234 |
| 300 CSL | $1,457 |
| 500 CSL | $1,620 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,926 |
| 20 | $3,964 |
| 30 | $2,386 |
| 40 | $2,348 |
| 50 | $2,242 |
| 60 | $2,220 |
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 | $57 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $45 |
| Advance Quote | $51 |
| Online Quote | $76 |
| Total Discounts | $449 |
Discounts are estimated and may not be available from every company or in every state.
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