Lincoln MKS Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 8, 2024
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Estimated insurance prices for a Lincoln MKS are $1,044 every 12 months with full coverage. Comprehensive costs approximately $206, collision costs $300, and liability coverage is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,248. Teen drivers pay the most at $4,022 a year or more.
Average premium for full coverage: $1,044
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all MKS models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Lincoln MKS go from the cheapest price of $446 for liability-only coverage to the much higher price of $2,248 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than larger metro areas.
The example below illustrates the difference location can make on auto insurance prices.
These rate differences demonstrate why everyone should get quotes using their specific location and their own driving history, rather than 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 details estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $620
- Choosing higher $1,000 deductibles can save $116 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,044
- Choosing pricier low deductibles for comp and collision coverage increases the price to $1,266
- Drivers with multiple violations and an at-fault accident could pay around $2,248 or more
- An auto insurance policy to insure a teenage driver for full coverage can cost $4,022 each year
Auto insurance prices for a Lincoln MKS also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your MKS.
Choosing high deductibles can save as much as $340 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,200 to $1,700 in extra premium annually, depending on your age. Lincoln MKS insurance for high-risk drivers ranges around 42% to 128% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Lincoln MKS insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,410 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for More Affordable Lincoln MKS Insurance
Finding better rates on auto insurance takes having a decent driving record, having a good credit score, being claim-free, and not having any coverage lapses. Make time to compare rates once a year by getting rate quotes from direct companies, and also from insurance agencies where you live.
The following items are a summary of the data that was touched on in this article.
- You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
- Consumers who purchase additional liability coverage will pay about $440 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
- 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $335 per month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,200 more per year than a driver with a clean driving record
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,266 |
| $250 | $1,164 |
| $500 | $1,044 |
| $1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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