Lincoln MKS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 8, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a Lincoln MKS are $1,044 a year for full coverage insurance. Comprehensive insurance costs around $206, collision costs $300, and liability insurance costs $402. A policy with just liability insurance costs as little as $446 a year, with coverage for high-risk drivers costing $2,248 or more. Teens receive the highest rates at $4,022 a year or more.

Average premium for full coverage: $1,044

Rate estimates for individual coverage type:

Comprehensive $206
Collision $300
Liability $402

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all MKS models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the low end price of $446 for basic liability insurance to the much higher price of $2,248 for a high-risk driver policy.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

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

These examples illustrate why everyone should compare rates for a specific zip code, rather than relying on averaged prices.

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.

Rate Comparisons

The chart below illustrates estimated Lincoln MKS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $620
  • Drivers who choose higher $1,000 deductibles will pay about $116 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,044
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $222 a year
  • High risk drivers with serious driving violations could pay at least $2,248 or more
  • The cost that insures a teen driver for full coverage can be $4,022 a year

View Chart as Image

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

Insurance rates for a Lincoln MKS can also vary considerably based on the model of your MKS, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,200 to $1,700 additional per year, depending on your age. Lincoln MKS insurance for high-risk drivers can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,000 a year. View Rates by Age

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 Vermont, Wisconsin, and North Carolina, or have to pay at least $1,410 on average in Michigan, New York, and Florida.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and rates can be significantly different.

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 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.

Lincoln MKS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Lincoln MKS $260 $446 $390 $1,232
2015 Lincoln MKS $250 $418 $394 $1,198
2014 Lincoln MKS $244 $390 $402 $1,172
2013 Lincoln MKS $226 $362 $402 $1,126
2012 Lincoln MKS $220 $328 $406 $1,090
2011 Lincoln MKS $206 $300 $402 $1,044
2010 Lincoln MKS $194 $272 $402 $1,004
2009 Lincoln MKS $188 $246 $398 $968

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 Find the Right Lincoln MKS Insurance

Saving money on Lincoln MKS insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a quick rundown of the information illustrated above.

  • It is possible to save up to $120 per year simply by quoting online well ahead of the renewal date
  • Drivers age 16 to 20 are charged the highest rates, costing up to $335 per month if comprehensive and collision insurance is included
  • Increasing deductibles can save approximately $350 each year
  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,200 more every year than a safer driver
  • Drivers who may need an increased level of liability coverage will pay approximately $440 annually to go from a minimum limit to the 250/500 level

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles