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...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Average insurance rates for a Lincoln MKS are $1,004 a year including full coverage. Comprehensive insurance costs approximately $194, collision costs $272, and liability costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,160 or more. Teen drivers receive the highest rates at $3,896 a year or more.

Average premium for full coverage: $1,004

Rate estimates by individual coverage type:

Comprehensive $194
Collision $272
Liability $402

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different MKS trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from as low as $446 for liability-only coverage to a much higher rate of $2,160 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $1,004
High Risk $2,160

Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance prices.

Rural Areas $753
Small Cities $1,054
Large Cities $1,355

These examples highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using price 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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $598
  • Using higher $1,000 deductibles will save $106 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,004
  • Choosing more expensive low deductibles for physical damage coverage will cost an extra $204 every year
  • Drivers with multiple violations and an at-fault accident could pay around $2,160 or more
  • The cost for full coverage for a teen driver with full coverage can cost $3,896 or more

View Chart as Image

Lincoln MKS insurance cost comparison chart
Column chart showing full coverage Lincoln MKS insurance prices range from $598 to $3,896

Insurance rates for a Lincoln MKS can also vary considerably based on your driver profile, the model of your MKS, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age

Where you live has a huge impact on Lincoln MKS insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,430 on average in Louisiana, New York, and Michigan.

Lincoln MKS Insurance Rates by State
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%

View Chart as Image

Lincoln MKS insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $310 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

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 $1,004 $84
Lincoln MKS 4-Dr Sedan $1,004 $84
Lincoln MKS Ecoboost AWD 4-Dr Sedan $1,022 $85

Rates assume 2009 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
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 Find the Cheapest Lincoln MKS Insurance

Saving money on car insurance requires being safe and accident-free, maintaining good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below you'll find a recap of the ideas that were presented in the illustrations above.

  • Youthful drivers are expensive to insure, as much as $325 per month for full coverage
  • Higher risk drivers that have major violations or accidents could be forced to pay on average $1,160 more per year than a low-risk driver
  • Increasing deductibles can save around $300 each year
  • You may be able to save around $120 per year simply by shopping early and online

Rates by Driver Age

Lincoln MKS Insurance 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

Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,208
$250 $1,114
$500 $1,004
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
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

Lincoln MKS Insurance 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.

SR-22 Surcharge $135

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
Rate after discounts $598

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

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