Lincoln MKS Insurance Rates

Estimated auto insurance rates for a Lincoln MKS are $1,044 annually for full coverage. Comprehensive costs an estimated $206, collision costs $300, and liability coverage costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing around $2,248. Teenage drivers pay the most at $4,022 a year or more.

Average premium for full coverage: $1,044

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different MKS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

These rate differences show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $620
• Using higher $1,000 deductibles will save approximately $116 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,044
• Using more expensive low deductibles for physical damage coverage will cost $1,266
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,248 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost as much as $4,022 or more

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Auto insurance prices for a Lincoln MKS also have a wide range based on the model of your MKS, your driver profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,200 to $1,700 in extra premium annually, depending on your age. High-risk driver insurance can be around 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $340 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lincoln MKS insurance rates. A driver around age 40 might see prices as low as $690 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,490 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 Buy Affordable Lincoln MKS Insurance

Finding better rates on auto insurance requires being a good driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at least every other year by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a brief review of the car insurance concepts touched on above.

• Drivers with DUI or reckless driving convictions may pay on average $1,200 more annually than a safer driver
• Drivers can save approximately $120 per year simply by shopping early and online
• Increasing policy deductibles could save up to $350 each year
• Consumers who want an increased level of liability coverage will pay an extra $440 each year to increase from 30/60 bodily injury limits to higher 250/500 limits