Lincoln MKS Insurance Rates

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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:

Comprehensive $206
Collision $300
Liability $402

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.

Liability Only $446
Full Coverage $1,044
High Risk $2,248

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.

Rural Areas $783
Small Cities $1,096
Large Cities $1,409

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

View Chart as Image

Lincoln MKS insurance cost comparison chart
Column chart showing full coverage Lincoln MKS insurance prices range from $620 to $4,022

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.

Lincoln MKS Insurance Rates by State
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%

View Chart as Image

Lincoln MKS insurance rates by U.S. city

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

Lincoln MKS Insurance Rates by Model and Trim Level
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.

Lincoln MKS Insurance Rates by Model Year
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

Rates by Driver Age

Lincoln MKS Insurance 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

Lincoln MKS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,266
$250 $1,164
$500 $1,044
$1,000 $928

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKS Insurance Rates with Different Liability Limits
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

Lincoln MKS Insurance 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.

SR-22 Surcharge $142

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
Rate after discounts $620

Discounts are estimated and may not be available from every company or in every state.

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