Lincoln MKS Insurance Rates

The average insurance prices for a Lincoln MKS are $1,044 every 12 months for full coverage insurance. Comprehensive costs an estimated $206 a year, collision costs $300, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing around $2,248. 16-year-old 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, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and MKS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities.

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

The examples above illustrate why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $620
• Raising to $1,000 deductibles will save approximately $928 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,044
• Buying low $100 deductibles increases the price to $1,266
• Drivers with multiple tickets or accidents could pay up to $2,248 or more
• Policy cost to insure a 16-year-old driver can cost as much as $4,022

View Chart as Image

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.

Opting for high physical damage deductibles can reduce rates by up to $340 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay 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 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 128% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Lincoln MKS insurance prices. A middle-age driver might find rates as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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 get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and rates 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 insurance for a Lincoln MKS consists of being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The items below are a review of the data that was touched on in the above illustrations.

• It is possible to save approximately $120 per year simply by quoting early and online
• Insureds who want more liability coverage will pay around $440 annually to raise from a 30/60 limit to a 250/500 level
• Teen drivers are expensive to insure, possibly costing $335 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,200 more annually to insure their MKS