Lincoln MKS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Average insurance prices for a Lincoln MKS are $1,044 every 12 months for full coverage insurance. Comprehensive costs an estimated $206, collision insurance costs $300, and liability coverage costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs around $2,248. Teen drivers receive the highest rates at up to $4,022 a year.

Average premium for full coverage: $1,044

Rate estimates broken down by individual coverage type:

Comprehensive $206
Collision $300
Liability $402

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different MKS trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $446 for a discount liability-only rate to a much higher rate of $2,248 for a policy for a high-risk driver.

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

Price Range by Location

Your location has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how rural and urban location affects insurance prices.

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

These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using 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 average Lincoln MKS insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $620
  • Drivers who choose higher $1,000 deductibles will pay approximately $116 each year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,044
  • Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,266
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,248
  • The cost to insure a teenage driver with full coverage can cost as much as $4,022 a year

View Chart as Image

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

Car 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 could save up to $340 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged 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 extra per year, depending on your age. High-risk driver insurance can cost around 42% to 128% more than average. View High Risk Driver Rates

Where you live makes a big difference in Lincoln MKS insurance rates. A 40-year-old driver 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.

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

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 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.

Lincoln MKS Insurance Rates by Model Year
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 Cheaper Lincoln MKS Insurance

Saving money on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a condensed summary of the coverage data raised in the charts and tables above.

  • It is possible to save approximately $120 per year just by shopping early and online
  • Increasing deductibles could save as much as $350 each year
  • 16 to 18-year-old drivers have the highest car insurance rates, costing up to $335 per month if the policy includes full coverage
  • Drivers with multiple at-fault accidents could be forced to pay on average $1,200 more annually than a driver with a clean driving record

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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