Lincoln MKS Insurance Rates

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

Average premium for full coverage: $1,004

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and MKS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

These examples show why it is important to get quotes for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below shows estimated Lincoln MKS insurance rates for other coverage scenarios.

• The best discount rate is $598
• Choosing higher $1,000 deductibles can save approximately $898 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,004
• Using low $100 deductibles for comp and collision coverage will cost an additional $204 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,160 or more
• The cost that insures a 16-year-old driver can cost as much as $3,896 each year

View Chart as Image

Insurance rates for a Lincoln MKS can also vary considerably based on the trim level of your MKS, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Lincoln MKS insurance prices. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,430 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $310 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

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 the Best Lincoln MKS Insurance

Saving money on insurance for a Lincoln MKS takes being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare prices every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the information touched on above.

• Drivers can save approximately $120 per year simply by quoting early and online
• Teenage drivers are expensive to insure, costing as high as $325 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $300 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,160 more annually for auto insurance
• Insureds who want higher levels of liability will pay an extra $440 each year to raise limits from a minimum limit to the 250/500 level