Lincoln MKS Insurance Rates

Estimated insurance rates for a Lincoln MKS are $1,044 a year for full coverage. Comprehensive costs an estimated $206, collision costs $300, and liability costs $402. A policy with only liability insurance costs as little as $446 a year, with a high-risk policy costing around $2,248. Teens pay the most at $4,022 a year or more.

Average premium for full coverage: $1,044

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different MKS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $620
• Drivers who choose higher $1,000 deductibles will pay approximately $116 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,044
• Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,266
• Higher-risk drivers with serious driving violations could pay up to $2,248 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $4,022 a year

View Chart as Image

Car insurance prices for a Lincoln MKS also have a wide range based on your driving characteristics, the trim level of your MKS, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Lincoln MKS insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,490 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $340 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can cost as much as 42% to 128% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices and see which company has the best price. Every company calculates prices differently, so rate quotes will be substantially different from one company to the next.

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 Low Cost Lincoln MKS Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and not having any coverage lapses. Spend time shopping around at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a review of the primary concepts that were touched on above.

• Drivers can save approximately $120 per year simply by shopping early and online
• Higher risk drivers who have several accidents or serious violations pay an average of $1,200 more annually for auto insurance
• Increasing policy deductibles can save around $350 each year
• Teenage drivers have the highest car insurance prices, as much as $335 per month if full coverage is included