Lincoln MKS Insurance Rates

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

Average premium for full coverage: $1,044

Price estimates by individual coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all MKS models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why everyone should compare rates using their specific location and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $620
• Drivers who choose higher $1,000 deductibles will pay $116 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,044
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $222 each year
• High-risk insureds with serious driving violations could pay around $2,248 or more
• The price for full coverage for a teenage driver for full coverage can cost $4,022 a year

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 physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $4,000 a year. View Rates by Age

The state you live in makes a big difference in Lincoln MKS insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,410 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, whereas buying more liability protection will push prices upward. 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 anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. Lincoln MKS insurance for high-risk drivers can cost around 42% to 128% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Every company calculates prices differently, and quoted prices may be quite different 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 Cheap Lincoln MKS Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a brief summary of the data that was covered in the above illustrations.

• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
• Consumers who purchase an increased level of liability coverage will pay approximately $440 every year to go from a low limit to 250/500 limits
• Drivers age 16 to 20 have the highest car insurance prices, costing up to $335 a month if they have full coverage
• Drivers that tend to have accidents or serious violations pay on average $1,200 more per year than a safer driver