Lincoln MKS Insurance Rates

Average insurance rates for a Lincoln MKS are $1,004 a year including full coverage. Comprehensive costs approximately $194 a year, collision costs $272, and liability coverage is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing around $2,160. Teenage drivers receive the highest rates at $3,896 a year or more.

Average premium for full coverage: $1,004

Rate estimates by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and MKS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Lincoln MKS insurance rates for additional coverage and risk scenarios.

• The best discount rate is $598
• Raising to $1,000 deductibles will save $898 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,004
• Using low $100 deductibles bumps up the cost to $1,208
• Unlucky drivers who are prone to accidents and violations could pay around $2,160 or more
• The cost that insures a teenage driver can cost $3,896

View Chart as Image

Insurance rates for a Lincoln MKS can also vary considerably based on the trim level of your MKS, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,800 a year. View Rates by Age

Where you live also has a big influence on Lincoln MKS insurance rates. A middle-age driver might find rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $310 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Lincoln MKS Insurance

Saving money on auto insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a brief review of the data that was touched on above.

• You may be able to save around $120 per year simply by quoting early and online
• Consumers who purchase more liability coverage will pay an extra $440 per year to raise from a minimum limit to the 250/500 level
• Teen drivers are expensive to insure, as much as $325 per month if full coverage is included
• Drivers with DUI or reckless driving convictions will likely pay on average $1,160 more per year to insure their MKS