Lincoln MKS Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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.
U.S. average insurance prices for a Lincoln MKS are $1,044 every 12 months for full coverage insurance. Comprehensive insurance costs around $206 each year, collision insurance costs $300, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, and coverage for high-risk drivers costs $2,248 or more. Teenage drivers pay the highest rates at up to $4,022 a year.
Average premium for full coverage: $1,044
Price estimates for individual coverage:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and MKS models.
Price Range from Low to High
For an average driver, Lincoln MKS insurance prices range from the cheapest price of $446 for minimum levels of liability insurance to a high rate of $2,248 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why all drivers should get quotes for a specific zip code 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below illustrates average Lincoln MKS insurance rates for additional coverage choices and driver risks.
- The best discount rate is $620
- Choosing higher $1,000 deductibles can save about $116 each year
- The average price for the average middle-age driver using $500 deductibles is $1,044
- Using low deductibles for comp and collision coverage costs an extra $222 annually
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,248
- The price to insure a 16-year-old driver can be $4,022 each year
Insurance prices for a Lincoln MKS are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles can save as much as $340 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers ranges from 42% to 128% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Lincoln MKS insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,410 on average in Michigan, New York, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Right Lincoln MKS Insurance
Getting lower rates on insurance for a Lincoln MKS takes being a good driver, having good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates every other policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a quick rundown of the ideas that were covered in the above illustrations.
- Drivers age 16 to 20 pay higher prices, as much as $335 a month if they have full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,200 more every year than a safer driver
- Increasing physical damage deductibles could save as much as $350 each year
- It is possible to save up to $120 per year just by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,266 |
| $250 | $1,164 |
| $500 | $1,044 |
| $1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
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
Secured with SHA-256 Encryption
