Lincoln MKS Insurance Rates

U.S. average insurance rates for a Lincoln MKS are $1,004 a year with full coverage. Comprehensive insurance costs approximately $194, collision costs $272, and liability coverage is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,160 or more. Teens pay the highest rates at $3,896 a year or more.

Average premium for full coverage: $1,004

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all MKS models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why everyone should compare rates quotes using their specific location and risk profile, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $598
• Raising to $1,000 deductibles will save $106 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,004
• Selecting pricier low deductibles will cost an extra $204 each year
• Unlucky drivers with serious driving violations could pay around $2,160 or more
• The price for full coverage for a teenage driver for full coverage can cost $3,896

View Chart as Image

Auto insurance prices for a Lincoln MKS are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $3,800 a year. View Rates by Age

The state you live in also has a big influence on Lincoln MKS insurance rates. A middle-age driver might find prices as low as $720 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,360 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $310 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. Lincoln MKS insurance for high-risk drivers is expensive and can cost around 44% to 133% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Lincoln MKS Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a review of the material that was covered above.

• Consumers who purchase additional liability coverage will pay approximately $440 every year to raise from a low limit to 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance prices, costing up to $325 a month if they have full coverage
• Drivers who have several accidents or serious violations pay on average $1,160 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $300 each year