Lincoln MKS Insurance Rates
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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:
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.
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.
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
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.
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% |
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
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.
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
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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