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 including full coverage. Comprehensive costs on average $206 each year, collision insurance costs $300, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk 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

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and MKS models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Lincoln MKS range from as low as $446 for your basic liability-only policy to a high rate of $2,248 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.

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

These rate differences highlight why all drivers should get quotes based on a specific location and risk profile, instead of using 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.

More Rate Information

The chart below breaks down average Lincoln MKS insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $620
  • Choosing higher $1,000 deductibles can save around $116 every year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,044
  • Buying low deductibles for comp and collision coverage will increase the cost to $1,266
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,248
  • An auto insurance policy for full coverage for a teen driver may cost $4,022 each 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

Auto insurance prices for a Lincoln MKS also have a wide range based on your driving characteristics, the model of your MKS, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,000 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lincoln MKS insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,490 on average in Michigan, New York, and Louisiana.

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 can save as much as $340 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 128% more than the average rate. View High Risk Driver Rates

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 Affordable Lincoln MKS Insurance

Finding better rates on car insurance takes having a good driving record, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the primary concepts that were raised in the charts and tables above.

  • You may be able to save as much as $120 per year just by quoting online in advance
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,200 more each year to buy Lincoln MKS insurance
  • Increasing policy deductibles can save around $350 each year
  • Drivers age 20 and younger are charged the highest prices, with the cost nearing $335 per month if they have full coverage

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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