Lincoln MKS Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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U.S. average insurance prices for a Lincoln MKS are $1,044 every 12 months with full coverage. Comprehensive insurance costs an estimated $206, collision insurance costs $300, and liability is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs $2,248 or more. Teen drivers pay the highest rates at up to $4,022 a year.
Average premium for full coverage: $1,044
Price estimates broken down by individual coverage:
Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different MKS trim levels.
Price Range from Low to High
For a driver in their 40's, Lincoln MKS insurance prices range from the cheapest price of $446 for the bare minimum liability coverage to a much higher rate of $2,248 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based 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 Information
The chart below details average Lincoln MKS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $620
- Raising to $1,000 deductibles will save approximately $116 annually
- The average price for the average middle-age driver who has $500 deductibles is $1,044
- Choosing more expensive low deductibles costs an extra $222 annually
- Drivers with multiple violations and an at-fault accident could pay up to $2,248
- The price to insure a 16-year-old driver with full coverage can cost as much as $4,022
Insurance prices for a Lincoln MKS are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $340 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,200 to $1,700 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 128% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Lincoln MKS insurance prices. A middle-age driver might find prices 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 Shop for the Best Lincoln MKS Insurance
Getting lower rates on insurance for a Lincoln MKS consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief recap of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,200 more annually to buy Lincoln MKS insurance
- Drivers age 20 and younger are expensive to insure, costing up to $335 a month if full coverage is included
- You may be able to save approximately $120 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $350 each year
- You may be able to save approximately $120 per year just by shopping early and online
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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