Lincoln MKS Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 8, 2024
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Estimated auto insurance rates for a Lincoln MKS are $1,004 annually including full coverage. Comprehensive costs approximately $194, collision costs $272, and liability insurance costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,160. 16-year-old drivers pay the most at $3,896 a year or more.
Average premium for full coverage: $1,004
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all MKS models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lincoln MKS go from as cheap as $446 for just liability insurance to the much higher price of $2,160 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.
The example below illustrates how location impacts auto insurance prices.
These rate differences highlight why everyone should compare rates using their specific location 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.
More Rate Details
The chart below breaks down estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $598
- Drivers who choose higher $1,000 deductibles will pay $106 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,004
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,208
- High risk drivers with multiple tickets or accidents could pay around $2,160 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can cost $3,896 a year
Auto insurance prices for a Lincoln MKS also have a wide range based on the model of your MKS, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $3,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,700 in extra premium annually, depending on your age. Lincoln MKS insurance for high-risk drivers can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $310 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Lincoln MKS insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,430 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $906 | -$98 | -9.8% |
| Alaska | $770 | -$234 | -23.3% |
| Arizona | $832 | -$172 | -17.1% |
| Arkansas | $1,004 | -$0 | 0.0% |
| California | $1,144 | $140 | 13.9% |
| Colorado | $956 | -$48 | -4.8% |
| Connecticut | $1,030 | $26 | 2.6% |
| Delaware | $1,132 | $128 | 12.7% |
| Florida | $1,254 | $250 | 24.9% |
| Georgia | $928 | -$76 | -7.6% |
| Hawaii | $720 | -$284 | -28.3% |
| Idaho | $680 | -$324 | -32.3% |
| Illinois | $748 | -$256 | -25.5% |
| Indiana | $758 | -$246 | -24.5% |
| Iowa | $676 | -$328 | -32.7% |
| Kansas | $954 | -$50 | -5.0% |
| Kentucky | $1,368 | $364 | 36.3% |
| Louisiana | $1,486 | $482 | 48.0% |
| Maine | $620 | -$384 | -38.2% |
| Maryland | $830 | -$174 | -17.3% |
| Massachusetts | $800 | -$204 | -20.3% |
| Michigan | $1,742 | $738 | 73.5% |
| Minnesota | $840 | -$164 | -16.3% |
| Mississippi | $1,202 | $198 | 19.7% |
| Missouri | $890 | -$114 | -11.4% |
| Montana | $1,078 | $74 | 7.4% |
| Nebraska | $790 | -$214 | -21.3% |
| Nevada | $1,204 | $200 | 19.9% |
| New Hampshire | $724 | -$280 | -27.9% |
| New Jersey | $1,122 | $118 | 11.8% |
| New Mexico | $888 | -$116 | -11.6% |
| New York | $1,058 | $54 | 5.4% |
| North Carolina | $580 | -$424 | -42.2% |
| North Dakota | $824 | -$180 | -17.9% |
| Ohio | $692 | -$312 | -31.1% |
| Oklahoma | $1,028 | $24 | 2.4% |
| Oregon | $920 | -$84 | -8.4% |
| Pennsylvania | $956 | -$48 | -4.8% |
| Rhode Island | $1,338 | $334 | 33.3% |
| South Carolina | $912 | -$92 | -9.2% |
| South Dakota | $848 | -$156 | -15.5% |
| Tennessee | $878 | -$126 | -12.5% |
| Texas | $1,210 | $206 | 20.5% |
| Utah | $744 | -$260 | -25.9% |
| Vermont | $684 | -$320 | -31.9% |
| Virginia | $602 | -$402 | -40.0% |
| Washington | $774 | -$230 | -22.9% |
| West Virginia | $920 | -$84 | -8.4% |
| Wisconsin | $692 | -$312 | -31.1% |
| Wyoming | $894 | -$110 | -11.0% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, and quoted prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKS AWD 4-Dr Sedan | $1,004 | $84 |
| Lincoln MKS 4-Dr Sedan | $1,004 | $84 |
| Lincoln MKS Ecoboost AWD 4-Dr Sedan | $1,022 | $85 |
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 | $250 | $418 | $394 | $1,198 |
| 2015 Lincoln MKS | $244 | $390 | $402 | $1,172 |
| 2014 Lincoln MKS | $226 | $362 | $402 | $1,126 |
| 2013 Lincoln MKS | $220 | $328 | $406 | $1,090 |
| 2012 Lincoln MKS | $206 | $300 | $402 | $1,044 |
| 2011 Lincoln MKS | $194 | $272 | $402 | $1,004 |
| 2010 Lincoln MKS | $188 | $246 | $398 | $968 |
| 2009 Lincoln MKS | $184 | $240 | $390 | $950 |
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 Best Cheap Lincoln MKS Insurance
Finding better rates on Lincoln MKS insurance not only requires being a good driver, but also having above-average credit, refrain from filing small claims, and not having any coverage lapses. Spend time shopping around every other policy renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The following list is a quick review of the ideas that were touched on above.
- Drivers age 16 to 20 have the highest car insurance prices, with the cost nearing $325 per month if full coverage is included
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,160 more per year than a safer driver
- Increasing policy deductibles could save up to $300 each year
- You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,896 |
| 20 | $2,290 |
| 30 | $1,030 |
| 40 | $1,004 |
| 50 | $920 |
| 60 | $902 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,208 |
| $250 | $1,114 |
| $500 | $1,004 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,004 |
| 50/100 | $1,102 |
| 100/300 | $1,203 |
| 250/500 | $1,464 |
| 100 CSL | $1,143 |
| 300 CSL | $1,364 |
| 500 CSL | $1,525 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,520 |
| 20 | $3,644 |
| 30 | $2,190 |
| 40 | $2,160 |
| 50 | $2,060 |
| 60 | $2,040 |
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 | $52 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $65 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $40 |
| Advance Quote | $46 |
| Online Quote | $69 |
| Total Discounts | $406 |
Discounts are estimated and may not be available from every company or in every state.
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