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2014 Lincoln MKS Insurance Rates

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

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: Jun 13, 2015

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Average insurance rates for a 2014 Lincoln MKS are $1,354 a year with full coverage. Comprehensive costs on average $290 a year, collision insurance costs $540, and liability costs $388. Buying a liability-only policy costs as little as $434 a year, and high-risk insurance costs around $2,938. Teenage drivers receive the highest rates at up to $5,016 a year.

Annual premium for full coverage: $1,354

Rate estimates for 2014 Lincoln MKS Insurance

Comprehensive $290
Collision $540
Liability $388

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 middle-aged driver, prices range range from as low as $434 for the bare minimum liability coverage to a high of $2,938 for a high risk driver.

Liability Only $434
Full Coverage $1,354
High Risk $2,938

View Chart as Image

2014 Lincoln MKS insurance rates compared
Column chart showing 2014 Lincoln MKS insurance prices range from $769 to $5,016 for full coverage

These differences demonstrate why it is important for drivers to compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

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 2014 Lincoln MKS Insurance

Searching Companies

Nobody cherishes buying insurance coverage, especially knowing their premiums are through the roof. There is such a variety of insurance companies to purchase coverage from, and although it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost insurance coverage.

Cheap Insurance Coverage Comparisons

Effectively comparing insurance coverage prices can be a daunting task if you don’t know the fastest way to get free quotes. You could spend your day talking about coverages with insurance agencies in your area, or you could use online quotes to maximize your effort.

Most major companies enroll in a system where insurance shoppers submit one quote, and every company provides a quote based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

The only drawback to pricing coverage this way is you cannot specify which providers you want pricing from. So if you want to select individual companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverages and limits on every quote you get. If each company quotes different deductibles it will be next to impossible to determine which rate is truly the best.

Cut prices on Lincoln MKS insurance

Companies don’t always advertise every available discount very clearly, so we researched both well-publicized and the more hidden ways to save on car insurance. If you’re not getting every credit you qualify for, you are throwing money away.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Lincoln can qualify you for lower rates on the low mileage vehicles.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
  • Claim Free – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

Companies who might offer some of the above discounts may include but are not limited to:

It’s a good idea to ask every prospective company what discounts are available to you. Savings may not be available everywhere.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine whether you may require specific advice.

  • How much can I save by bundling my policies?
  • Does insurance cover damages from a DUI accident?
  • How do I insure my teen driver?
  • Does insurance cover tools stolen from my truck?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is the minimum liability in my state?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Lincoln MKS.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision protection

Collision coverage pays for damage to your MKS caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like pain medications, prosthetic devices and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical services, funeral expenses, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, damage from a tornado or hurricane, falling objects, hitting a bird and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Shop Smart and Save

Low-cost 2014 Lincoln MKS insurance can be bought both online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

You just learned some good ideas how to save on insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with some of the lesser-known companies. Some small companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.

Even more information can be read in these articles:

Rates by U.S. City

2014 Lincoln MKS Insurance Rates by City
City Premium
New York City, NY $2,136
Los Angeles, CA $2,313
Philadelphia, PA $1,806
Jacksonville, FL $1,960
Phoenix, AZ $1,571
Chicago, IL $1,811
Houston, TX $2,119
Seattle, WA $1,315
Columbus, OH $1,128
Indianapolis, IN $1,153

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2014 Lincoln MKS Insurance Rates by Driver Age
Driver Age Premium
16 $5,016
20 $3,128
30 $1,414
40 $1,354
50 $1,236
60 $1,216

Full coverage, $500 deductibles

Rates by Deductible

2014 Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,722
$250 $1,552
$500 $1,354
$1,000 $1,166

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,354
50/100 $1,432
100/300 $1,529
250/500 $1,781
100 CSL $1,470
300 CSL $1,684
500 CSL $1,839

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Lincoln MKS Insurance Rates for High Risk Drivers
Age Premium
16 $7,178
20 $4,984
30 $3,006
40 $2,938
50 $2,802
60 $2,778

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 $192

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $89
Paid in Full/EFT $64
Advance Quote $68
Online Quote $97
Total Discounts $585
Rate after discounts $769

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

Find companies with the cheapest rates in your area

2014 Lincoln MKS Insurance Rates by State
State Premium
Alabama $1,222
Alaska $1,036
Arizona $1,122
Arkansas $1,354
California $1,542
Colorado $1,292
Connecticut $1,390
Delaware $1,530
Florida $1,690
Georgia $1,252
Hawaii $972
Idaho $916
Illinois $1,006
Indiana $1,020
Iowa $912
Kansas $1,286
Kentucky $1,846
Louisiana $2,004
Maine $836
Maryland $1,118
Massachusetts $1,080
Michigan $2,348
Minnesota $1,132
Mississippi $1,622
Missouri $1,202
Montana $1,452
Nebraska $1,066
Nevada $1,622
New Hampshire $978
New Jersey $1,512
New Mexico $1,196
New York $1,424
North Carolina $780
North Dakota $1,108
Ohio $932
Oklahoma $1,388
Oregon $1,240
Pennsylvania $1,290
Rhode Island $1,804
South Carolina $1,226
South Dakota $1,140
Tennessee $1,182
Texas $1,630
Utah $1,000
Vermont $924
Virginia $810
Washington $1,044
West Virginia $1,242
Wisconsin $934
Wyoming $1,204

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