Lincoln MKS Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 for full coverage. Comprehensive insurance costs approximately $194, collision costs $272, and liability insurance costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing $2,160 or more. Teenage drivers cost the most to insure at $3,896 a year or more.
Average premium for full coverage: $1,004
Policy rates by type of insurance:
Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all MKS models.
Price Range Variability
For the average 40-year-old driver, Lincoln MKS insurance rates go from as cheap as $446 for basic liability insurance to the much higher price of $2,160 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance prices.
The examples above show why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on average rates.
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.
Rate Comparisons
The chart below shows 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 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,004
- Using pricier low deductibles for physical damage coverage costs an additional $204 a year
- Drivers who are prone to accidents and violations could pay around $2,160 or more
- Policy cost with full coverage for a teen driver for full coverage can cost $3,896 or more
Auto insurance rates for a Lincoln MKS also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $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 could be paying anywhere from $1,200 to $1,700 in extra premium every year, depending on your age. Lincoln MKS insurance for high-risk drivers can be anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $310 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Lincoln MKS insurance rates. A driver around age 40 might see rates as low as $660 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,430 on average in New York, Louisiana, and Michigan.
| 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 only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted 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 Cheaper Lincoln MKS Insurance
Finding cheaper rates on Lincoln MKS insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a condensed summary of the ideas that were touched on in this article.
- Drivers age 20 and younger have the highest car insurance rates, costing up to $325 each month if full coverage is included
- High-risk drivers with multiple at-fault accidents pay on average $1,160 more per year to buy Lincoln MKS insurance
- Increasing comprehensive and collision deductibles could save up to $300 each year
- Drivers can save around $120 per year simply by quoting online well ahead of the renewal date
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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