Lincoln MKS Insurance Rates

The average insurance rates for a Lincoln MKS are $1,004 a year with full coverage. Comprehensive insurance costs approximately $194 a year, collision costs $272, and liability costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing $2,160 or more. Teenage drivers cost the most to insure at $3,896 a year or more.

Average premium for full coverage: $1,004

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and MKS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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 additional coverage and risk scenarios.

• The best discount rate is $598
• Drivers who choose higher $1,000 deductibles will pay $898 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,004
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $204 annually
• Drivers who are prone to accidents and violations could pay around $2,160 or more
• Policy cost for full coverage for a 16-year-old driver can cost $3,896 a year

View Chart as Image

Car insurance rates for a Lincoln MKS also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,800 a year. View Rates by Age

Your home state makes a big difference in Lincoln MKS insurance prices. A 40-year-old driver could pay as low as $720 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,360 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $310 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 Cheaper Lincoln MKS Insurance

Finding cheaper rates on insurance for a Lincoln MKS not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates every time your policy renews by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the information covered above.

• You may be able to save around $120 per year simply by quoting early and online
• Teen drivers pay the highest auto insurance rates, as much as $325 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,160 more per year to insure their MKS
• Insureds who purchase more liability coverage will pay an extra $440 every year to go from a 30/60 limit to 250/500 limits