Lincoln MKS Insurance Rates

The average insurance rates for a Lincoln MKS are $1,044 a year with full coverage. Comprehensive insurance costs an estimated $206 a year, collision costs $300, and liability insurance is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,248 or more. Teenage drivers cost the most to insure at $4,022 a year or more.

Average premium for full coverage: $1,044

Policy rates broken down by type of insurance:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and MKS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $620
• Raising to $1,000 deductibles will save approximately $928 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,044
• Using low $100 deductibles will cost an additional $222 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,248 or more
• Policy cost that insures a teen driver can cost as much as $4,022

View Chart as Image

Insurance rates for a Lincoln MKS also range considerably based on the trim level of your MKS, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age

Your home state also has a big influence on Lincoln MKS insurance rates. A middle-age driver might find rates as low as $750 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,410 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $340 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 Cheaper Lincoln MKS Insurance

Finding cheaper rates on Lincoln MKS insurance consists of having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices at every other renewal by requesting rates from direct companies, and also from insurance agencies where you live.

The next list is a condensed summary of the concepts that were raised in the charts and tables above.

• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,200 more annually to buy Lincoln MKS insurance
• Drivers age 20 and younger are expensive to insure, as much as $335 each month if comprehensive and collision insurance is included
• You may be able to save approximately $120 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• You may be able to save approximately $120 per year simply by quoting early and online