Lincoln MKS Insurance Rates

U.S. average insurance prices for a Lincoln MKS are $1,004 every 12 months for full coverage. Comprehensive insurance costs on average $194 a year, collision costs $272, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $2,160 or more. Teenage drivers pay the highest rates at $3,896 a year or more.

Average premium for full coverage: $1,004

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and MKS trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above show why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below shows estimated Lincoln MKS insurance rates for different risk profiles and scenarios.

• The best discount rate is $598
• Using higher $1,000 deductibles will save around $898 a year
• The average price for the average middle-age driver with $500 deductibles is $1,004
• Using low $100 deductibles for physical damage coverage costs an extra $204 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,160 or more
• The price to insure a 16-year-old driver may cost $3,896 or more

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Insurance prices for a Lincoln MKS are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your MKS.

Using high physical damage deductibles could cut prices by as much as $310 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,700 additional each year, depending on your age. A high-risk auto insurance policy can be from 44% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Lincoln MKS insurance prices. A driver around age 40 might see prices as low as $660 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,430 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite different.

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 Shop for Affordable Lincoln MKS Insurance

Getting lower rates on insurance for a Lincoln MKS requires being a good driver, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,160 more each year than a safer driver
• Drivers age 16 to 20 pay higher prices, with premiums as much as $325 a month if full coverage is included
• Drivers can save as much as $120 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $300 each year
• Drivers can save as much as $120 per year simply by quoting early and online