Lincoln MKS Insurance Rates

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UPDATED: Apr 8, 2024

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U.S. average insurance rates for a Lincoln MKS are $1,044 a year for full coverage insurance. Comprehensive insurance costs on average $206, collision insurance costs $300, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, and coverage for high-risk drivers costs $2,248 or more. 16-year-old drivers pay the highest rates at up to $4,022 a year.

Average premium for full coverage: $1,044

Price estimates by individual coverage:

Comprehensive $206
Collision $300
Liability $402

Prices include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all MKS models.

Price Range from Low to High

For a driver around age 40, Lincoln MKS insurance prices range from as low as $446 for a discount liability-only rate to the much higher price of $2,248 for high-risk insurance.

Liability Only $446
Full Coverage $1,044
High Risk $2,248

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $783
Small Cities $1,096
Large Cities $1,409

The ranges above illustrate why everyone should get quotes based on a specific location and risk profile, instead of using 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.

Rates by State, City, and Model

The chart below illustrates average Lincoln MKS insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $620
  • Choosing higher $1,000 deductibles can save around $116 each year
  • The average rate for the average middle-age driver with $500 deductibles is $1,044
  • Buying pricier low deductibles for comp and collision coverage will cost an extra $222 every year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,248
  • The price for full coverage for a teen driver for full coverage may cost $4,022 each year

View Chart as Image

Lincoln MKS insurance cost comparison chart
Column chart showing Lincoln MKS insurance prices range from $620 to $4,022 for full coverage

Insurance prices for a Lincoln MKS are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lincoln MKS insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,410 on average in Michigan, New York, and Florida.

Lincoln MKS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $944 -$100 -9.6%
Alaska $800 -$244 -23.4%
Arizona $866 -$178 -17.0%
Arkansas $1,044 -$0 0.0%
California $1,188 $144 13.8%
Colorado $996 -$48 -4.6%
Connecticut $1,074 $30 2.9%
Delaware $1,178 $134 12.8%
Florida $1,302 $258 24.7%
Georgia $966 -$78 -7.5%
Hawaii $750 -$294 -28.2%
Idaho $708 -$336 -32.2%
Illinois $778 -$266 -25.5%
Indiana $788 -$256 -24.5%
Iowa $704 -$340 -32.6%
Kansas $992 -$52 -5.0%
Kentucky $1,422 $378 36.2%
Louisiana $1,546 $502 48.1%
Maine $644 -$400 -38.3%
Maryland $862 -$182 -17.4%
Massachusetts $832 -$212 -20.3%
Michigan $1,812 $768 73.6%
Minnesota $874 -$170 -16.3%
Mississippi $1,250 $206 19.7%
Missouri $926 -$118 -11.3%
Montana $1,120 $76 7.3%
Nebraska $822 -$222 -21.3%
Nevada $1,250 $206 19.7%
New Hampshire $752 -$292 -28.0%
New Jersey $1,168 $124 11.9%
New Mexico $922 -$122 -11.7%
New York $1,098 $54 5.2%
North Carolina $602 -$442 -42.3%
North Dakota $856 -$188 -18.0%
Ohio $720 -$324 -31.0%
Oklahoma $1,068 $24 2.3%
Oregon $956 -$88 -8.4%
Pennsylvania $994 -$50 -4.8%
Rhode Island $1,392 $348 33.3%
South Carolina $946 -$98 -9.4%
South Dakota $882 -$162 -15.5%
Tennessee $914 -$130 -12.5%
Texas $1,258 $214 20.5%
Utah $772 -$272 -26.1%
Vermont $712 -$332 -31.8%
Virginia $626 -$418 -40.0%
Washington $804 -$240 -23.0%
West Virginia $956 -$88 -8.4%
Wisconsin $720 -$324 -31.0%
Wyoming $930 -$114 -10.9%

View Chart as Image

Lincoln MKS insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $340 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,200 to $1,700 extra each year, depending on your age. Lincoln MKS insurance for high-risk drivers ranges as much as 42% to 128% more than the average rate. View High Risk Driver Rates

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 $1,044 $87
Lincoln MKS 4-Dr Sedan $1,044 $87
Lincoln MKS Ecoboost AWD 4-Dr Sedan $1,064 $89

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.

Lincoln MKS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Lincoln MKS $260 $446 $390 $1,232
2015 Lincoln MKS $250 $418 $394 $1,198
2014 Lincoln MKS $244 $390 $402 $1,172
2013 Lincoln MKS $226 $362 $402 $1,126
2012 Lincoln MKS $220 $328 $406 $1,090
2011 Lincoln MKS $206 $300 $402 $1,044
2010 Lincoln MKS $194 $272 $402 $1,004
2009 Lincoln MKS $188 $246 $398 $968

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 Right Lincoln MKS Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Set aside time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a quick rundown of the material that was covered above.

  • Policyholders who require increased liability limits will pay around $440 annually to raise limits from a low limit to 250/500 limits
  • Drivers under the age of 20 pay the highest prices, as much as $335 a month for full coverage
  • Higher risk drivers with reckless driving or DUI convictions pay an average of $1,200 more each year to insure a Lincoln MKS
  • Increasing physical damage deductibles can save around $350 each year

Rates by Driver Age

Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $4,022
20 $2,382
30 $1,074
40 $1,044
50 $956
60 $938

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,266
$250 $1,164
$500 $1,044
$1,000 $928

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,044
50/100 $1,144
100/300 $1,245
250/500 $1,506
100 CSL $1,185
300 CSL $1,406
500 CSL $1,567

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $5,708
20 $3,794
30 $2,282
40 $2,248
50 $2,144
60 $2,124

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 $142

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $55
Homeowner $17
5-yr Accident Free $69
5-yr Claim Free $66
Paid in Full/EFT $42
Advance Quote $48
Online Quote $73
Total Discounts $424
Rate after discounts $620

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

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