Lincoln MKS Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 8, 2024
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Estimated auto insurance rates for a Lincoln MKS are $1,044 annually with full coverage. Comprehensive insurance costs approximately $206 a year, collision insurance costs $300, and liability insurance is estimated at $402. A policy with only liability insurance costs approximately $446 a year, and a high-risk policy costs $2,248 or more. Teen drivers pay the most at up to $4,022 a year.
Average premium for full coverage: $1,044
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and MKS trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lincoln MKS range from as cheap as $446 for minimum levels of liability insurance to a high of $2,248 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.
These rate differences demonstrate why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on 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 Rate Details
The chart below details average Lincoln MKS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $620
- Choosing higher $1,000 deductibles can save $928 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,044
- Choosing low $100 deductibles for comp and collision coverage costs an additional $222 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,248
- An auto insurance policy with full coverage for a teen driver can cost $4,022 each year
Car insurance prices for a Lincoln MKS also have a wide range based on the model of your MKS, your driving record, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $340 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
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% |
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 Buy Affordable Lincoln MKS Insurance
Finding better rates on Lincoln MKS insurance takes avoiding accidents and violations, having a good credit score, being claim-free, and attention to physical damage deductibles. Spend time shopping around every year by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a brief review of the coverage data touched on above.
- You may be able to save around $120 per year just by quoting early and online
- Increasing policy deductibles could save up to $350 each year
- Teenagers pay the highest auto insurance prices, possibly costing $335 per month if comprehensive and collision insurance is included
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,200 more per year for car insurance
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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