Lincoln MKS Insurance Rates

U.S. average insurance prices for a Lincoln MKS are $1,004 every 12 months including full coverage. Comprehensive costs approximately $194, collision costs $272, and liability coverage costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing around $2,160. Teenage drivers pay the highest rates at $3,896 a year or more.

Average premium for full coverage: $1,004

Price estimates by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all MKS models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine auto insurance prices.

The ranges above highlight why everyone should compare prices using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $598
• Using higher $1,000 deductibles will save $106 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,004
• Using pricier low deductibles for physical damage coverage increases the price to $1,208
• Higher-risk drivers who are prone to accidents and violations could pay around $2,160 or more
• The price to insure a teenage driver for full coverage can cost $3,896 or more

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Insurance prices for a Lincoln MKS are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your MKS.

Using high physical damage deductibles could cut prices by as much as $310 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,200 to $1,700 extra each year, depending on your age. Lincoln MKS insurance for high-risk drivers can be around 44% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Lincoln MKS insurance rates. A driver around age 40 might see prices as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,430 on average in Louisiana, New York, and Michigan.

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Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices may be quite 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 Shop for Cheap Lincoln MKS Insurance

Getting lower rates on auto insurance requires being a good driver, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a brief summary of the material that was covered in the charts and tables above.

• Consumers who purchase an increased level of liability coverage will pay an extra $440 per year to increase from a low limit to a 250/500 level
• Drivers age 16 to 20 are expensive to insure, possibly costing $325 a month if they have full coverage
• Drivers that tend to have accidents or serious violations could be charged and average of $1,160 more per year than a safer driver
• Increasing physical damage deductibles could save as much as $300 each year