Lincoln MKS Insurance Rates

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UPDATED: Apr 8, 2024

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Estimated insurance rates for a Lincoln MKS are $1,044 a year for full coverage insurance. Comprehensive costs approximately $206 each year, collision insurance costs $300, and liability insurance costs $402. Liability-only insurance costs as little as $446 a year, and high-risk driver insurance costs around $2,248. 16-year-old drivers pay the most at up to $4,022 a year.

Average premium for full coverage: $1,044

Premium estimates by type of coverage:

Comprehensive $206
Collision $300
Liability $402

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and MKS models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Lincoln MKS range from the low end price of $446 for a discount liability-only rate to a high rate of $2,248 for a high-risk insurance policy.

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

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.

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

These rate differences illustrate why all drivers should compare rates using their specific location, rather than relying on rate averages.

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.

Rates by State, City, and Model

The chart below illustrates average Lincoln MKS insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $620
  • Drivers who choose higher $1,000 deductibles will pay $116 each year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,044
  • Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,266
  • High risk drivers with multiple tickets or accidents could pay around $2,248
  • An auto insurance policy that insures a teen driver can cost $4,022 a year

View Chart as Image

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

Insurance prices for a Lincoln MKS also have a wide range based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 128% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

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

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

Opting for high physical damage deductibles could save up to $340 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

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 Cheap Lincoln MKS Insurance

Finding better rates on Lincoln MKS insurance not only requires being a good driver, but also having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop at least every other year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a brief summary of the car insurance concepts touched on above.

  • High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,200 more per year than a safer driver
  • It is possible to save around $120 per year just by quoting online in advance
  • Increasing policy deductibles can save approximately $350 each year
  • Drivers who purchase an increased level of liability coverage will pay around $440 annually to go from 30/60 bodily injury limits 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.

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