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...
Licensed Insurance Agent
UPDATED: Apr 8, 2024
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Average insurance rates for a Lincoln MKS are $1,004 a year including full coverage. Comprehensive insurance costs around $194 each year, collision costs $272, and liability coverage is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing $2,160 or more. Teenage drivers receive the highest rates at $3,896 a year or more.
Average premium for full coverage: $1,004
Rate estimates for individual coverage type:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and MKS models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $446 for your basic liability-only policy to a high rate of $2,160 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how where you live affects auto insurance rates.
These examples highlight why all drivers should compare rates quotes for a specific zip code, rather than using 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.
More Rate Information
The chart below breaks down estimated Lincoln MKS insurance rates for additional coverage choices and driver risks.
- The best discount rate is $598
- Raising to $1,000 deductibles will save about $106 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,004
- Using low deductibles will cost an additional $204 each year
- Unlucky drivers who are prone to accidents and violations could pay at least $2,160 or more
- The cost that insures a teenage driver can be $3,896
Insurance rates for a Lincoln MKS can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,200 to $1,700 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $3,800 a year. View Rates by Age
Where you live also has a big influence on Lincoln MKS insurance rates. A middle-age driver might find rates as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,430 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can reduce rates by up to $310 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different.
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 Find the Right Lincoln MKS Insurance
Saving money on auto insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a quick rundown of the primary concepts that were touched on in the above illustrations.
- You may be able to save up to $120 per year simply by quoting online in advance
- Drivers with reckless driving or DUI convictions may have to pay on average $1,160 more every year for car insurance
- Increasing deductibles can save approximately $300 each year
- Teenagers are charged the highest rates, as much as $325 per month if comprehensive and collision insurance is included
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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