Lincoln MKS Insurance Rates

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

Average premium for full coverage: $1,044

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and MKS trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

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 average rate for the average middle-age driver with $500 deductibles is $1,044
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,266
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,248 or more
• The price for full coverage for a teen driver may cost $4,022 or more

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $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 $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.

View Chart as Image

Choosing high deductibles could cut prices by as much as $340 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 128% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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

Getting lower rates on Lincoln MKS insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least every other year by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

Below you'll find a brief review of the car insurance concepts covered above.

• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,200 more each year than a low-risk driver
• You may be able to save as much as $120 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $350 each year
• Drivers who require more liability protection will pay about $440 every year to increase from a low limit to 250/500 limits