Lincoln MKS Insurance Rates

The average insurance rates for a Lincoln MKS are $1,004 a year for full coverage insurance. Comprehensive costs approximately $194 a year, collision costs $272, and liability coverage costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing around $2,160. 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:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and MKS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and risk profile, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $598
• Using higher $1,000 deductibles will save $898 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,004
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,208
• Higher-risk drivers with serious driving violations could pay around $2,160 or more
• Policy cost for full coverage for a teenage driver can cost $3,896 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

Your home state has a huge impact on Lincoln MKS insurance rates. A driver around age 40 might see rates as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,360 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $310 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each 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 probably paying anywhere from $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 133% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company calculates rates differently, and 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 the Best Lincoln MKS Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the data touched on in the above illustrations.

• Consumers who purchase more liability coverage will pay approximately $440 annually to increase from a 30/60 limit to 250/500 limits
• It is possible to save around $120 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teen drivers are the costliest to insure, possibly costing $325 each month including comprehensive and collision insurance