Lincoln MKS Insurance Rates

Estimated insurance rates for a Lincoln MKS are $1,004 a year including full coverage. Comprehensive insurance costs approximately $194 a year, collision costs $272, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,160 or more. Teens pay the most at $3,896 a year or more.

Average premium for full coverage: $1,004

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and MKS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $598
• Choosing higher $1,000 deductibles can save $898 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,004
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $204 every year
• Unlucky drivers with serious driving violations could pay around $2,160 or more
• An auto insurance policy that insures a teen driver can cost $3,896 each year

View Chart as Image

Insurance prices for a Lincoln MKS also have a wide range based on the trim level of your MKS, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $3,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lincoln MKS insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $310 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, so the prices will be substantially different.

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 better rates on car insurance takes having a decent driving record, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Compare rates every couple of years by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The following items are a brief recap of the material that was covered in the above illustrations.

• Policyholders who purchase additional liability coverage will pay approximately $440 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, with the cost nearing $325 per month if full coverage is included
• Higher risk drivers who tend to receive serious violations will likely pay on average $1,160 more per year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $300 each year