Lincoln MKS Insurance Rates

Estimated auto insurance rates for a Lincoln MKS are $1,004 annually including full coverage. Comprehensive insurance costs on average $194 a year, collision costs $272, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing $2,160 or more. Teenage drivers pay the most at $3,896 a year or more.

Average premium for full coverage: $1,004

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and MKS trim levels.

Insurance Price Range by Risk and Coverage

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 fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

These rate differences highlight why it is important to get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $598
• Choosing higher $1,000 deductibles can save around $898 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,004
• Using low $100 deductibles for comp and collision coverage costs an additional $204 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,160 or more
• An auto insurance policy with full coverage for a teen driver may cost $3,896 each year

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

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

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 $770 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,430 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 Buy the Best Lincoln MKS Insurance

Finding better rates on car insurance takes being a low-risk driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around every couple of years by quoting rates from direct car insurance companies, and also from several local insurance agents.

The items below are a brief recap of the material that was touched on above.

• Policyholders who require more liability coverage will pay an extra $440 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teen drivers are charged the highest prices, with the cost nearing $325 per month if full coverage is included
• Higher risk drivers who tend to receive serious violations pay on average $1,160 more each year to insure their MKS
• Increasing policy deductibles could save up to $300 each year