Lincoln MKS Insurance Rates

Estimated insurance rates for a Lincoln MKS are $1,044 a year for full coverage. Comprehensive insurance costs on average $206, collision costs $300, and liability costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing $2,248 or more. Teenage drivers pay the most at $4,022 a year or more.

Average premium for full coverage: $1,044

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different MKS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates based on a specific location, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $620
• Drivers who choose higher $1,000 deductibles will pay around $116 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,044
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $222 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,248 or more
• An auto insurance policy that insures a teen driver with full coverage may cost $4,022 a year

View Chart as Image

Auto insurance prices for a Lincoln MKS also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Lincoln MKS insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,490 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $340 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices will be substantially 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 More Affordable Lincoln MKS Insurance

Finding better rates on car insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare prices at least every other year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a summary of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,200 more each year to insure a Lincoln MKS
• Drivers can save as much as $120 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $350 each year
• Policyholders who require increased liability limits will pay an extra $440 each year to go from 30/60 bodily injury limits to the 250/500 level