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2011 Lincoln MKS Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2021

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Average insurance rates for a 2011 Lincoln MKS are $1,198 a year with full coverage. Comprehensive costs an estimated $250 a year, collision costs $418, and liability costs $394. Buying a liability-only policy costs as little as $440 a year, with high-risk insurance costing around $2,592. Teen drivers receive the highest rates at $4,514 a year or more.

Annual premium for full coverage: $1,198

Rate estimates for 2011 Lincoln MKS Insurance

Comprehensive $250
Collision $418
Liability $394

Rate data is compiled from all 50 U.S. states and averaged for all 2011 Lincoln MKS models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $440 for just liability insurance to a high of $2,592 for high-risk insurance.

Liability Only $440
Full Coverage $1,198
High Risk $2,592

View Chart as Image

2011 Lincoln MKS insurance rates compared
Column chart showing 2011 Lincoln MKS insurance prices range from $694 to $4,514 for full coverage

These differences demonstrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2011 Lincoln MKS Insurance

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Want cheaper insurance coverage rates for your Lincoln MKS? Trying to find cheaper insurance for a Lincoln MKS could be a painful process, but you can use a few tricks to make it easier.

There is a better way to buy insurance coverage and you need to know the proper way to quote coverages for a new or used Lincoln and obtain the lowest price from local insurance agents and online providers.

Consumers need to shop coverage around yearly due to the fact that insurance rates change quite often. Just because you had the best deal for MKS coverage a couple years back other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to learn one of the best ways to properly buy coverages while reducing your premium.

Buying cheaper insurance is quite easy. If you are insured now or are just looking to switch companies, you can use this information to find better prices and still get good coverage. Vehicle owners just need to learn the most efficient way to compare prices on the web.

Comprehensive Insurance Coverage Comparison Quotes

Performing a rate comparison is a ton of work if you aren’t aware of the best way to get rate quotes. You can waste hours talking to insurance companies in your area, or you can stay home and use online quoting for quick rates.

All the larger companies enroll in a system that enables customers to send in one quote, and each participating company returns a rated price based on that information. This eliminates the need for quote forms to every company.

To compare 2011 Lincoln MKS rates using this form now click here to open in new window.

The one disadvantage to using this type of system is that you can’t choose which companies you want to price. So if you want to choose specific insurance companies to compare prices, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare apples-to-apples deductibles and coverage limits for each price quote. If the quotes have different limits and deductibles on each one it will be very difficult to determine which rate is truly the best.

You probably qualify for some discounts

Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Most are applied when you quote, but some must be manually applied prior to getting the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for MKS coverage than drivers with accident claims.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

Companies that may have some of the above discounts include:

  • Farm Bureau
  • State Farm
  • Progressive
  • Allstate
  • Nationwide
  • MetLife

Double check with each company which discounts they offer. All car insurance discounts might not be offered everywhere.

There’s no such thing as the perfect policy

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions could help you determine if your situation could use an agent’s help.

  • Am I covered when driving a rental car?
  • What is UM/UIM insurance?
  • Is my ex-spouse still covered by my policy?
  • Does coverage extend to a rental car in a foreign country?
  • When should I remove comp and collision on my 2011 Lincoln MKS?
  • Does insurance cover damages from a DUI accident?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage when using my vehicle for my home business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance specifics

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, damage from getting keyed, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, hospital visits, funeral costs and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as court costs, pain and suffering, emergency aid, structural damage and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision insurance

This coverage covers damage to your MKS resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Lincoln MKS.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Rates by U.S. City

2011 Lincoln MKS Insurance Rates by City
City Premium
New York City, NY $1,893
Los Angeles, CA $2,049
Philadelphia, PA $1,599
Jacksonville, FL $1,738
Phoenix, AZ $1,392
Chicago, IL $1,609
Houston, TX $1,880
Seattle, WA $1,164
Columbus, OH $999
Indianapolis, IN $1,024

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $4,514
20 $2,752
30 $1,246
40 $1,198
50 $1,098
60 $1,076

Full coverage, $500 deductibles

Rates by Deductible

2011 Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,356
$500 $1,198
$1,000 $1,046

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,277
100/300 $1,375
250/500 $1,631
100 CSL $1,316
300 CSL $1,533
500 CSL $1,691

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $6,432
20 $4,382
30 $2,642
40 $2,592
50 $2,470
60 $2,446

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 $166

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $85
5-yr Claim Free $77
Paid in Full/EFT $53
Advance Quote $58
Online Quote $85
Total Discounts $504
Rate after discounts $694

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

Find companies with the cheapest rates in your area

2011 Lincoln MKS Insurance Rates by State
State Premium
Alabama $1,082
Alaska $918
Arizona $994
Arkansas $1,198
California $1,366
Colorado $1,142
Connecticut $1,232
Delaware $1,354
Florida $1,498
Georgia $1,108
Hawaii $862
Idaho $814
Illinois $894
Indiana $906
Iowa $808
Kansas $1,136
Kentucky $1,634
Louisiana $1,774
Maine $740
Maryland $990
Massachusetts $956
Michigan $2,082
Minnesota $1,004
Mississippi $1,434
Missouri $1,062
Montana $1,288
Nebraska $944
Nevada $1,436
New Hampshire $864
New Jersey $1,338
New Mexico $1,060
New York $1,262
North Carolina $690
North Dakota $984
Ohio $826
Oklahoma $1,228
Oregon $1,098
Pennsylvania $1,142
Rhode Island $1,598
South Carolina $1,088
South Dakota $1,012
Tennessee $1,050
Texas $1,446
Utah $888
Vermont $820
Virginia $716
Washington $924
West Virginia $1,100
Wisconsin $830
Wyoming $1,068

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