Lincoln MKS Insurance Rates
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UPDATED: May 12, 2022
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Average insurance prices for a Lincoln MKS are $1,044 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $206 each year, collision costs $300, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing $2,248 or more. Teen drivers receive the highest rates at $4,022 a year or more.
Average premium for full coverage: $1,044
Rate estimates broken down by individual coverage type:
Prices include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and MKS models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $446 for a discount liability-only rate to a high rate of $2,248 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
These examples illustrate why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based 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.
Rates by State, City, and Model
The chart below illustrates estimated Lincoln MKS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $620
- Choosing higher $1,000 deductibles can save approximately $116 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,044
- Choosing low deductibles for comp and collision coverage costs an extra $222 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,248 or more
- The cost to insure a 16-year-old driver can cost as much as $4,022 each year
Insurance rates for a Lincoln MKS can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing high deductibles can save as much as $340 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,200 to $1,700 additional per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 128% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Lincoln MKS insurance prices. A good driver about age 40 could pay 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|
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, 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||$1,044||$87|
|Lincoln MKS 4-Dr Sedan||$1,044||$87|
|Lincoln MKS Ecoboost AWD 4-Dr Sedan||$1,064||$89|
Rates assume 2009 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|
|2009 Lincoln MKS||$206||$300||$402||$1,044|
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 Shop for the Right Lincoln MKS Insurance
Saving money on insurance for a Lincoln MKS takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following is a quick rundown of the data touched on in the above illustrations.
- Insureds who want higher liability limits will pay about $440 annually to raise limits from a minimum limit to a 250/500 level
- It is possible to save approximately $120 per year simply by quoting online in advance
- Increasing deductibles could save as much as $350 each year
- Teens are expensive to insure, costing up to $335 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$69|
|5-yr Claim Free||$66|
|Paid in Full/EFT||$42|
Discounts are estimated and may not be available from every company or in every state.
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