Lincoln MKS Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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The average auto insurance rates for a Lincoln MKS are $1,004 annually with full coverage. Comprehensive insurance costs around $194 a year, collision costs $272, and liability coverage is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing $2,160 or more. Teen drivers cost the most to insure at $3,896 a year or more.
Average premium for full coverage: $1,004
Policy rates for type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and MKS trim levels.
Price Range Variability
For a driver in their 40's, Lincoln MKS insurance rates go from as cheap as $446 for your basic liability-only policy to a high of $2,160 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using 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.
More Rate Information
The chart below details estimated Lincoln MKS insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $598
- Choosing higher $1,000 deductibles can save about $898 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,004
- Choosing low $100 deductibles for comp and collision coverage costs an additional $204 each year
- Drivers with multiple violations and an at-fault accident could pay at least $2,160 or more
- Policy cost with full coverage for a teenage driver can be $3,896 each year
Insurance rates for a Lincoln MKS also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $3,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $310 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Lincoln MKS insurance rates. A good driver about age 40 could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,360 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $906 | -$98 | -9.8% |
| Alaska | $770 | -$234 | -23.3% |
| Arizona | $832 | -$172 | -17.1% |
| Arkansas | $1,004 | -$0 | 0.0% |
| California | $1,144 | $140 | 13.9% |
| Colorado | $956 | -$48 | -4.8% |
| Connecticut | $1,030 | $26 | 2.6% |
| Delaware | $1,132 | $128 | 12.7% |
| Florida | $1,254 | $250 | 24.9% |
| Georgia | $928 | -$76 | -7.6% |
| Hawaii | $720 | -$284 | -28.3% |
| Idaho | $680 | -$324 | -32.3% |
| Illinois | $748 | -$256 | -25.5% |
| Indiana | $758 | -$246 | -24.5% |
| Iowa | $676 | -$328 | -32.7% |
| Kansas | $954 | -$50 | -5.0% |
| Kentucky | $1,368 | $364 | 36.3% |
| Louisiana | $1,486 | $482 | 48.0% |
| Maine | $620 | -$384 | -38.2% |
| Maryland | $830 | -$174 | -17.3% |
| Massachusetts | $800 | -$204 | -20.3% |
| Michigan | $1,742 | $738 | 73.5% |
| Minnesota | $840 | -$164 | -16.3% |
| Mississippi | $1,202 | $198 | 19.7% |
| Missouri | $890 | -$114 | -11.4% |
| Montana | $1,078 | $74 | 7.4% |
| Nebraska | $790 | -$214 | -21.3% |
| Nevada | $1,204 | $200 | 19.9% |
| New Hampshire | $724 | -$280 | -27.9% |
| New Jersey | $1,122 | $118 | 11.8% |
| New Mexico | $888 | -$116 | -11.6% |
| New York | $1,058 | $54 | 5.4% |
| North Carolina | $580 | -$424 | -42.2% |
| North Dakota | $824 | -$180 | -17.9% |
| Ohio | $692 | -$312 | -31.1% |
| Oklahoma | $1,028 | $24 | 2.4% |
| Oregon | $920 | -$84 | -8.4% |
| Pennsylvania | $956 | -$48 | -4.8% |
| Rhode Island | $1,338 | $334 | 33.3% |
| South Carolina | $912 | -$92 | -9.2% |
| South Dakota | $848 | -$156 | -15.5% |
| Tennessee | $878 | -$126 | -12.5% |
| Texas | $1,210 | $206 | 20.5% |
| Utah | $744 | -$260 | -25.9% |
| Vermont | $684 | -$320 | -31.9% |
| Virginia | $602 | -$402 | -40.0% |
| Washington | $774 | -$230 | -22.9% |
| West Virginia | $920 | -$84 | -8.4% |
| Wisconsin | $692 | -$312 | -31.1% |
| Wyoming | $894 | -$110 | -11.0% |
Because rates have so much variability, the best way to find out your exact price is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKS AWD 4-Dr Sedan | $1,004 | $84 |
| Lincoln MKS 4-Dr Sedan | $1,004 | $84 |
| Lincoln MKS Ecoboost AWD 4-Dr Sedan | $1,022 | $85 |
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 | $250 | $418 | $394 | $1,198 |
| 2015 Lincoln MKS | $244 | $390 | $402 | $1,172 |
| 2014 Lincoln MKS | $226 | $362 | $402 | $1,126 |
| 2013 Lincoln MKS | $220 | $328 | $406 | $1,090 |
| 2012 Lincoln MKS | $206 | $300 | $402 | $1,044 |
| 2011 Lincoln MKS | $194 | $272 | $402 | $1,004 |
| 2010 Lincoln MKS | $188 | $246 | $398 | $968 |
| 2009 Lincoln MKS | $184 | $240 | $390 | $950 |
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 Buy Low Cost Lincoln MKS Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a review of the concepts that were covered in the charts and tables above.
- Drivers who have several accidents or serious violations may pay on average $1,160 more every year for car insurance
- Teenagers pay higher rates, as much as $325 each month including comprehensive and collision insurance
- You may be able to save up to $120 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $300 each year
- You may be able to save up to $120 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,896 |
| 20 | $2,290 |
| 30 | $1,030 |
| 40 | $1,004 |
| 50 | $920 |
| 60 | $902 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,208 |
| $250 | $1,114 |
| $500 | $1,004 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,004 |
| 50/100 | $1,102 |
| 100/300 | $1,203 |
| 250/500 | $1,464 |
| 100 CSL | $1,143 |
| 300 CSL | $1,364 |
| 500 CSL | $1,525 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,520 |
| 20 | $3,644 |
| 30 | $2,190 |
| 40 | $2,160 |
| 50 | $2,060 |
| 60 | $2,040 |
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 | $52 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $65 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $40 |
| Advance Quote | $46 |
| Online Quote | $69 |
| Total Discounts | $406 |
Discounts are estimated and may not be available from every company or in every state.
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