Lincoln MKS Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Lincoln MKS are $1,004 a year with full coverage. Comprehensive insurance costs on average $194, collision insurance costs $272, and liability costs $402. A policy with just liability insurance costs as little as $446 a year, and coverage for high-risk drivers costs $2,160 or more. Teens pay the highest rates at up to $3,896 a year.
Average premium for full coverage: $1,004
Price estimates by individual coverage:
Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all MKS models.
Price Range from Low to High
For an average driver, Lincoln MKS insurance prices range from as low as $446 for the bare minimum liability coverage to the much higher price of $2,160 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why everyone should compare rates based on a specific location and risk profile, instead of using 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.
Additional Rate Information
The chart below details average Lincoln MKS insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $598
- Drivers who choose higher $1,000 deductibles will pay around $106 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,004
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $204 every year
- Higher-risk drivers with serious driving violations could pay upwards of $2,160
- The price for full coverage for a teen driver for full coverage may cost $3,896 a year
Insurance prices for a Lincoln MKS are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $3,800 a year. View Rates by Age
The state you live in makes a big difference in Lincoln MKS insurance prices. A 40-year-old driver could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,360 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $906 | -$98 | -9.8% |
Alaska | $770 | -$234 | -23.3% |
Arizona | $832 | -$172 | -17.1% |
Arkansas | $1,004 | -$0 | 0.0% |
California | $1,144 | $140 | 13.9% |
Colorado | $956 | -$48 | -4.8% |
Connecticut | $1,030 | $26 | 2.6% |
Delaware | $1,132 | $128 | 12.7% |
Florida | $1,254 | $250 | 24.9% |
Georgia | $928 | -$76 | -7.6% |
Hawaii | $720 | -$284 | -28.3% |
Idaho | $680 | -$324 | -32.3% |
Illinois | $748 | -$256 | -25.5% |
Indiana | $758 | -$246 | -24.5% |
Iowa | $676 | -$328 | -32.7% |
Kansas | $954 | -$50 | -5.0% |
Kentucky | $1,368 | $364 | 36.3% |
Louisiana | $1,486 | $482 | 48.0% |
Maine | $620 | -$384 | -38.2% |
Maryland | $830 | -$174 | -17.3% |
Massachusetts | $800 | -$204 | -20.3% |
Michigan | $1,742 | $738 | 73.5% |
Minnesota | $840 | -$164 | -16.3% |
Mississippi | $1,202 | $198 | 19.7% |
Missouri | $890 | -$114 | -11.4% |
Montana | $1,078 | $74 | 7.4% |
Nebraska | $790 | -$214 | -21.3% |
Nevada | $1,204 | $200 | 19.9% |
New Hampshire | $724 | -$280 | -27.9% |
New Jersey | $1,122 | $118 | 11.8% |
New Mexico | $888 | -$116 | -11.6% |
New York | $1,058 | $54 | 5.4% |
North Carolina | $580 | -$424 | -42.2% |
North Dakota | $824 | -$180 | -17.9% |
Ohio | $692 | -$312 | -31.1% |
Oklahoma | $1,028 | $24 | 2.4% |
Oregon | $920 | -$84 | -8.4% |
Pennsylvania | $956 | -$48 | -4.8% |
Rhode Island | $1,338 | $334 | 33.3% |
South Carolina | $912 | -$92 | -9.2% |
South Dakota | $848 | -$156 | -15.5% |
Tennessee | $878 | -$126 | -12.5% |
Texas | $1,210 | $206 | 20.5% |
Utah | $744 | -$260 | -25.9% |
Vermont | $684 | -$320 | -31.9% |
Virginia | $602 | -$402 | -40.0% |
Washington | $774 | -$230 | -22.9% |
West Virginia | $920 | -$84 | -8.4% |
Wisconsin | $692 | -$312 | -31.1% |
Wyoming | $894 | -$110 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $310 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,700 extra each year, depending on your age. Lincoln MKS insurance for high-risk drivers can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Lincoln MKS AWD 4-Dr Sedan | $1,004 | $84 |
Lincoln MKS 4-Dr Sedan | $1,004 | $84 |
Lincoln MKS Ecoboost AWD 4-Dr Sedan | $1,022 | $85 |
Rates assume 2009 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 |
---|---|---|---|---|
2009 Lincoln MKS | $194 | $272 | $402 | $1,004 |
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 Best Cheap Lincoln MKS Insurance
Getting lower rates on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates once a year by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
Below is a quick review of the data that was covered in the above illustrations.
- You may be able to save as much as $120 per year just by quoting online well ahead of the renewal date
- Policyholders who require higher levels of liability will pay approximately $440 every year to go from a low limit to 250/500 limits
- Teenage drivers pay the highest prices, costing up to $325 a month for full coverage
- Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,160 more each year for auto insurance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $3,896 |
20 | $2,290 |
30 | $1,030 |
40 | $1,004 |
50 | $920 |
60 | $902 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,208 |
$250 | $1,114 |
$500 | $1,004 |
$1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,004 |
50/100 | $1,102 |
100/300 | $1,203 |
250/500 | $1,464 |
100 CSL | $1,143 |
300 CSL | $1,364 |
500 CSL | $1,525 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,520 |
20 | $3,644 |
30 | $2,190 |
40 | $2,160 |
50 | $2,060 |
60 | $2,040 |
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 | $52 |
Multi-vehicle | $53 |
Homeowner | $17 |
5-yr Accident Free | $65 |
5-yr Claim Free | $64 |
Paid in Full/EFT | $40 |
Advance Quote | $46 |
Online Quote | $69 |
Total Discounts | $406 |
Discounts are estimated and may not be available from every company or in every state.
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