Lincoln MKS Insurance Rates

U.S. average insurance rates for a Lincoln MKS are $1,004 a year for full coverage. Comprehensive insurance costs approximately $194 a year, collision costs $272, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing $2,160 or more. Teenage drivers pay the highest rates at $3,896 a year or more.

Average premium for full coverage: $1,004

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and MKS trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why it is important to get quotes using their specific location, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $598
• Choosing higher $1,000 deductibles can save $898 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,004
• Using low $100 deductibles for comp and collision coverage will cost an additional $204 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,160 or more
• The price that insures a teen driver can cost $3,896 each year

View Chart as Image

Car insurance prices for a Lincoln MKS are also quite variable based on the trim level of your MKS, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,200 to $1,700 extra each year, 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

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lincoln MKS insurance prices. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,430 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $310 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite 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

Getting lower rates on car insurance takes being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Compare prices every couple of years by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a brief review of the material that was covered above.

• Policyholders who purchase more liability protection will pay an extra $440 each year to raise limits from a low limit to the 250/500 level
• Youthful drivers pay the highest auto insurance prices, with premiums as much as $325 a month if full coverage is purchased
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,160 more per year than a low-risk driver
• Increasing physical damage deductibles can save approximately $300 each year