Lincoln MKS Insurance Rates

The average insurance prices for a Lincoln MKS are $1,044 every 12 months with full coverage. Comprehensive costs approximately $206 each year, collision costs $300, and liability insurance costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing around $2,248. Teenage drivers cost the most to insure at $4,022 a year or more.

Average premium for full coverage: $1,044

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and MKS models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities.

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

The examples above demonstrate why all drivers should compare rates using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $620
• Drivers who choose higher $1,000 deductibles will pay $116 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,044
• Using low deductibles for comprehensive and collision insurance increases the price to $1,266
• High risk drivers who are prone to accidents and violations could pay around $2,248 or more
• Policy cost to insure a teen driver can cost $4,022 a year

View Chart as Image

Insurance rates for a Lincoln MKS also range considerably based on liability limits and deductibles, your driving record, and the model of your MKS.

Using high physical damage deductibles could save up to $340 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Lincoln MKS insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,410 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied.

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 the Best Lincoln MKS Insurance

Finding cheaper rates on Lincoln MKS insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by getting quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a brief recap of the primary concepts that were covered above.

• You may be able to save around $120 per year simply by quoting online in advance
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,200 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Youthful drivers are expensive to insure, as much as $335 each month if they have full coverage