Lincoln MKS Insurance Rates

The average insurance prices for a Lincoln MKS are $1,044 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $206 each year, collision costs $300, and liability costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing $2,248 or more. Teen 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:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and MKS models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and their own driving history, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $620
• Drivers who choose higher $1,000 deductibles will pay approximately $116 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,044
• Choosing low deductibles for comprehensive and collision insurance costs an extra $222 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,248 or more
• Policy cost to insure a teen driver can cost as much as $4,022 a year

View Chart as Image

Car insurance rates for a Lincoln MKS also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles could save up to $340 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 128% more than average. View High Risk Driver Rates

Your home state makes a big difference in Lincoln MKS insurance prices. A 40-year-old driver could pay as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,410 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so rate quotes 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 Shop for Low Cost Lincoln MKS Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also maintaining a good credit score, being claim-free, and not having any coverage lapses. Set aside time to compare rates every couple of years by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a review of the material that was covered above.

• Policyholders who want more liability coverage will pay about $440 annually to go from a 30/60 limit to a 250/500 level
• Teen drivers have the highest car insurance rates, possibly costing $335 each month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,200 more annually to insure their MKS
• Increasing comprehensive and collision deductibles could save as much as $350 each year