Lincoln MKS Insurance Rates

The average insurance rates for a Lincoln MKS are $1,004 a year including full coverage. Comprehensive insurance costs approximately $194, collision costs $272, and liability costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing $2,160 or more. Teens cost the most to insure at $3,896 a year or more.

Average premium for full coverage: $1,004

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all MKS models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why everyone should compare rates using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $598
• Drivers who choose higher $1,000 deductibles will pay $106 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,004
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $204 annually
• Drivers with serious driving violations could pay around $2,160 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $3,896 a year

View Chart as Image

Auto insurance rates for a Lincoln MKS also range considerably based on your risk profile, the model of your MKS, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $3,800 a year. View Rates by Age

Your home state makes a big difference in Lincoln MKS insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $310 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 in extra premium every year, depending on your age. Lincoln MKS insurance for high-risk drivers can cost from 44% to 133% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every company calculates rates differently, and quoted rates will be varied from one company to the next.

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 Affordable Lincoln MKS Insurance

Finding cheaper rates on insurance for a Lincoln MKS not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a brief review of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $325 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,160 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $300 each year
• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date