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...

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UPDATED: Apr 8, 2024

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Average auto insurance rates for a Lincoln MKS are $1,090 annually for full coverage insurance. Comprehensive costs an estimated $220, collision costs $328, and liability insurance costs $406. Buying just liability costs as little as $450 a year, with insurance for high-risk drivers costing around $2,348. 16-year-old drivers receive the highest rates at $4,174 a year or more.

Average premium for full coverage: $1,090

Rate estimates broken down by individual coverage type:

Comprehensive $220
Collision $328
Liability $406

Includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different MKS trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as cheap as $450 for a discount liability-only rate to a much higher rate of $2,348 for a policy for a high-risk driver.

Liability Only $450
Full Coverage $1,090
High Risk $2,348

Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

Rural Areas $818
Small Cities $1,145
Large Cities $1,472

These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on rate 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 best full coverage rate is $641
  • Drivers who choose higher $1,000 deductibles will pay approximately $124 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,090
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,330
  • High risk drivers with multiple tickets or accidents could pay up to $2,348 or more
  • The cost with full coverage for a teen driver with full coverage can cost as much as $4,174 a year

View Chart as Image

Lincoln MKS insurance cost comparison chart
Column chart showing full coverage Lincoln MKS insurance rates range from $641 to $4,174

Auto insurance rates for a Lincoln MKS can also vary considerably based on the trim level of your MKS, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,300 to $1,800 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $370 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $366 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lincoln MKS insurance rates. A 40-year-old driver could pay as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,470 on average in Florida, New York, and Michigan.

Lincoln MKS Insurance Rates by State
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%

View Chart as Image

Lincoln MKS insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Every company utilizes a different rate formula, and quoted rates can be significantly different between companies.

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 $1,090 $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.

Lincoln MKS Insurance Rates by Model Year
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 Buy the Cheapest Lincoln MKS Insurance

Saving money on Lincoln MKS insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a recap of the coverage data touched on in this article.

  • It is possible to save approximately $130 per year simply by shopping early and online
  • Increasing deductibles could save up to $375 each year
  • Youthful drivers are the costliest to insure, costing up to $348 per month if full coverage is included
  • High-risk drivers that have major violations or accidents may pay on average $1,260 more annually than a low-risk driver

Rates by Driver Age

Lincoln MKS Insurance 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

Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,330
$250 $1,222
$500 $1,090
$1,000 $966

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
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

Lincoln MKS Insurance 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.

SR-22 Surcharge $149

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
Rate after discounts $641

Discounts are estimated and may not be available from every company or in every state.

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