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 insurance is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage 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:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different MKS trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $598
• Choosing higher $1,000 deductibles can save $106 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,004
• Using more expensive low deductibles for comp and collision coverage will cost an extra $204 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,160 or more
• The price for full coverage for a teen driver with full coverage can cost $3,896 each year

View Chart as Image

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.

An older driver with a clean driving record and high deductibles could pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lincoln MKS insurance rates. A good driver about age 40 could pay as low as $720 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,360 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $310 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per 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 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 133% more than a normal 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 compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the 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 More Affordable Lincoln MKS Insurance

Getting lower rates on Lincoln MKS insurance takes having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

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

• You may be able to save around $120 per year simply by shopping early and online
• Drivers who purchase additional liability coverage will pay an extra $440 every year to raise limits from a low limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, costing up to $325 a month for full coverage
• High-risk drivers who have multiple accidents or major violations pay on average $1,160 more per year than a driver with a clean driving record