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...

Insurance Lawyer

UPDATED: May 12, 2022

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Estimated insurance prices for a Lincoln MKS are $1,044 every 12 months with full coverage. Comprehensive costs approximately $206 each year, collision costs $300, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $2,248. Teenage 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

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and MKS models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Lincoln MKS go from the cheapest price of $446 for a discount liability-only rate to a high rate of $2,248 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance prices.

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

These rate differences demonstrate why all drivers should get quotes using their specific location and their own driving history, rather than relying on average rates.

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 details estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $620
  • Choosing higher $1,000 deductibles can save $116 annually
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,044
  • Using low deductibles for comp and collision coverage increases the price to $1,266
  • High-risk insureds who are prone to accidents and violations could pay around $2,248 or more
  • An auto insurance policy to insure a teen driver can cost $4,022 each year

View Chart as Image

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

Insurance prices for a Lincoln MKS also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your MKS.

Using high physical damage deductibles can save as much as $340 each year, whereas increasing liability limits will push prices upward. Moving 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

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lincoln MKS insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,410 on average in New York, Michigan, 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

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the 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 2009 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
2009 Lincoln MKS $206 $300 $402 $1,044

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 Affordable Lincoln MKS Insurance

Finding better rates on Lincoln MKS insurance takes avoiding accidents and claims, having good credit, being claim-free, and maximizing policy discounts. Invest the time to shop around once a year by getting quotes from direct companies, and also from insurance agencies where you live.

The points below are a brief review of the data that was illustrated above.

  • You may be able to save around $120 per year simply by quoting online in advance
  • Drivers who purchase increased liability limits will pay an extra $440 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
  • Drivers under the age of 20 are expensive to insure, possibly costing $335 per month if they have full coverage
  • High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,200 more per year to insure a Lincoln MKS

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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