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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Estimated insurance rates for a Lincoln MKS are $1,044 a year for full coverage insurance. Comprehensive insurance costs an estimated $206, collision costs $300, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,248 or more. Teen drivers 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:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all MKS models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Lincoln MKS go from as low as $446 for just liability coverage to the much higher price of $2,248 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates how rural and urban location affects insurance prices.
These rate differences illustrate why everyone should compare prices for a targeted area and risk profile, rather than relying on 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.
Detailed Rate Analysis
The chart below illustrates estimated Lincoln MKS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $620
- Using higher $1,000 deductibles will save approximately $116 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,044
- Choosing pricier low deductibles for physical damage coverage will cost an extra $222 a year
- Drivers with multiple violations and an at-fault accident could pay up to $2,248 or more
- An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $4,022 or more
Auto insurance prices for a Lincoln MKS also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $4,000 a year. View Rates by Age
Where you choose to live has a huge impact on Lincoln MKS insurance rates. A driver around age 40 might see prices as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,410 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $944 | -$100 | -9.6% |
Alaska | $800 | -$244 | -23.4% |
Arizona | $866 | -$178 | -17.0% |
Arkansas | $1,044 | -$0 | 0.0% |
California | $1,188 | $144 | 13.8% |
Colorado | $996 | -$48 | -4.6% |
Connecticut | $1,074 | $30 | 2.9% |
Delaware | $1,178 | $134 | 12.8% |
Florida | $1,302 | $258 | 24.7% |
Georgia | $966 | -$78 | -7.5% |
Hawaii | $750 | -$294 | -28.2% |
Idaho | $708 | -$336 | -32.2% |
Illinois | $778 | -$266 | -25.5% |
Indiana | $788 | -$256 | -24.5% |
Iowa | $704 | -$340 | -32.6% |
Kansas | $992 | -$52 | -5.0% |
Kentucky | $1,422 | $378 | 36.2% |
Louisiana | $1,546 | $502 | 48.1% |
Maine | $644 | -$400 | -38.3% |
Maryland | $862 | -$182 | -17.4% |
Massachusetts | $832 | -$212 | -20.3% |
Michigan | $1,812 | $768 | 73.6% |
Minnesota | $874 | -$170 | -16.3% |
Mississippi | $1,250 | $206 | 19.7% |
Missouri | $926 | -$118 | -11.3% |
Montana | $1,120 | $76 | 7.3% |
Nebraska | $822 | -$222 | -21.3% |
Nevada | $1,250 | $206 | 19.7% |
New Hampshire | $752 | -$292 | -28.0% |
New Jersey | $1,168 | $124 | 11.9% |
New Mexico | $922 | -$122 | -11.7% |
New York | $1,098 | $54 | 5.2% |
North Carolina | $602 | -$442 | -42.3% |
North Dakota | $856 | -$188 | -18.0% |
Ohio | $720 | -$324 | -31.0% |
Oklahoma | $1,068 | $24 | 2.3% |
Oregon | $956 | -$88 | -8.4% |
Pennsylvania | $994 | -$50 | -4.8% |
Rhode Island | $1,392 | $348 | 33.3% |
South Carolina | $946 | -$98 | -9.4% |
South Dakota | $882 | -$162 | -15.5% |
Tennessee | $914 | -$130 | -12.5% |
Texas | $1,258 | $214 | 20.5% |
Utah | $772 | -$272 | -26.1% |
Vermont | $712 | -$332 | -31.8% |
Virginia | $626 | -$418 | -40.0% |
Washington | $804 | -$240 | -23.0% |
West Virginia | $956 | -$88 | -8.4% |
Wisconsin | $720 | -$324 | -31.0% |
Wyoming | $930 | -$114 | -10.9% |
Choosing high deductibles could cut prices by as much as $340 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,200 to $1,700 in extra premium annually, depending on your age. Lincoln MKS insurance for high-risk drivers can be anywhere from 42% to 128% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Lincoln MKS AWD 4-Dr Sedan | $1,044 | $87 |
Lincoln MKS 4-Dr Sedan | $1,044 | $87 |
Lincoln MKS Ecoboost AWD 4-Dr Sedan | $1,064 | $89 |
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 | $260 | $446 | $390 | $1,232 |
2015 Lincoln MKS | $250 | $418 | $394 | $1,198 |
2014 Lincoln MKS | $244 | $390 | $402 | $1,172 |
2013 Lincoln MKS | $226 | $362 | $402 | $1,126 |
2012 Lincoln MKS | $220 | $328 | $406 | $1,090 |
2011 Lincoln MKS | $206 | $300 | $402 | $1,044 |
2010 Lincoln MKS | $194 | $272 | $402 | $1,004 |
2009 Lincoln MKS | $188 | $246 | $398 | $968 |
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 Cheap Lincoln MKS Insurance
Finding better rates on Lincoln MKS insurance requires being safe and accident-free, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a brief summary of the concepts that were raised in the charts and tables above.
- High-risk drivers that tend to have accidents or serious violations pay on average $1,200 more annually than a low-risk driver
- Youthful drivers are the costliest to insure, with premiums being up to $335 per month if they have full coverage
- It is possible to save approximately $120 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $350 each year
- It is possible to save approximately $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 | $4,022 |
20 | $2,382 |
30 | $1,074 |
40 | $1,044 |
50 | $956 |
60 | $938 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,266 |
$250 | $1,164 |
$500 | $1,044 |
$1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,044 |
50/100 | $1,144 |
100/300 | $1,245 |
250/500 | $1,506 |
100 CSL | $1,185 |
300 CSL | $1,406 |
500 CSL | $1,567 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,708 |
20 | $3,794 |
30 | $2,282 |
40 | $2,248 |
50 | $2,144 |
60 | $2,124 |
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 | $54 |
Multi-vehicle | $55 |
Homeowner | $17 |
5-yr Accident Free | $69 |
5-yr Claim Free | $66 |
Paid in Full/EFT | $42 |
Advance Quote | $48 |
Online Quote | $73 |
Total Discounts | $424 |
Discounts are estimated and may not be available from every company or in every state.
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