Lincoln MKS Insurance Rates

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

Average premium for full coverage: $1,004

Premium estimates broken down by type of coverage:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different MKS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of using averaged prices.

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 cheapest rate after discounts is $598
• Using higher $1,000 deductibles will save approximately $106 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,004
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,208
• Drivers with serious driving violations could pay up to $2,160 or more
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $3,896 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can be as much as 44% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 a year, 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 at least $3,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lincoln MKS insurance prices. A driver around age 40 might see prices 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 prices by as much as $310 every year, while increasing your policy's liability limits will increase premiums. Switching 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 only way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Each insurance company 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 Affordable Lincoln MKS Insurance

Finding better rates on car insurance requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates at every policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

The next list is a brief review of the data covered in the charts and tables above.

• Policyholders who want increased levels of liability coverage will pay approximately $440 annually to increase from 30/60 bodily injury limits to the 250/500 level
• It is possible to save approximately $120 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $300 each year
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $325 per month if full coverage is included